BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-04
Company: EQUIFAX, 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:
I sent this company my dispute letter on XX/XX/XXXX with detail explanation on what accounts were derogatory and needed removal. I even attached all the documents they requested as proof to assist them run a smooth investigation on this matter : But to my surprise this company still kept reporting these erroneous accounts. This letter is a written proof of my intent to resolve this matter and have these inaccurate accounts expunged from my report before pursuing legal action. 
For yet one last time, the following accounts are derogatory : XXXX ACC # XXXX, Date Opened XX/XX/XXXX, Balance {$1400.00} I dont understand where the late payments are coming from, I have always paid in time. Please correct thing wrong data asap. 

XXXX XXXX ACC # XXXX, Date Opened XX/XX/XXXX, Original Balance $ XXXX- I have never been late on this account, that data is frivolous so please delete it asap I have attached herewith the letter I sent to this company as proof of their failures to investigate and fix the errors I pointed out for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: Experian Information Solutions Inc.
State: MA
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 disputed the below account with Experian Credit agency. The below listed account was opened fraudulently. I submitted both an FTC report and Police report for the account and Experian refuses to remove it.

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 2019-07-07
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 status incorrect

Complaint:
My account with XXXX XXXX XXXX  was charged off and purchased by XXXX XXXX XXXX in XX/XX/XXXX. This account was settled, for a total of {$1100.00} in XX/XX/XXXX, yet XXXX XXXX is still reporting this account as negative. I recently submitted a dispute with Experian to have this account updated and they added another charge off in XX/XX/XXXX ; this incorrect reporting has had a profoundly negative impact on my credit score and my ability to secure potential new lines of credit and housing.

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 2018-01-24
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a company-sponsored 401 ( k ) at Wells Fargo. Starting this year, Wells Fargo does not send paper statements. I never consented to receive electronic documents. ( I have never logged in to the Wells Fargo web site, so I never accepted any consent language associated with logging in. ) I called Wells Fargo. They said that I would have to call back every time I wanted a paper statement, even though they acknowledged that I have a right to receive paper statements.

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 2019-07-07
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My home was damaged during hurricane Irma XXXX XXXX, XXXX. It fought with my insurance company and received a settlement of {$34000.00}. A check was sent payable to myself and XXXX Mortgage. The mortgage company placed the funds in a special account for the repairs in XXXX. The company sent a {$10000.00} disbursement in XXXX, which i subsequently paid my independent claims adjuster {$4000.00}. The XXXX was used to pay the electrical contractor and XXXX was used to restore fencing. I have been waiting for additional funds to continue the restoration of my property. I have already have paid to have my stucco restored for the damage to the outside of my home and have prepared it to be painted. I contacted Regions on XX/XX/XXXX to have them send more funds they told me someone would contact me within 3-5 business days to inspect my property. NO ONE CONTACTED ME. I called again on XX/XX/XXXX and again I was told the same thing. I finally received a call from someone who claimed they were sent referred to me by Regions ( I could bare understand the persons English ) and tried to set a date but they told me they could not see me, so they said I need to find someone else help me. iI HAVE HAD PROBLEMS WITH PAYMENT OF FUNDS FROM REGIONS IN A PREVIOUS CLAIM IN XXXX AND HAD TO REPORT THEM THEN AS WELL. I Still have l work that needs to be completed and I have waited almost 2 years to have my repairs completed and still I have to keep fighting these people. They have {$24000.00} of the insurance money I would like to have them pay me so I can finish the work and have my property restored My loan number is 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 2019-07-07
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:
Just want this stuff on my report verified and validated.. been hitting a wall with the credit reporting agencies whenever it comes to these accounts.. I simply wan na know how and why, I have rights as a consumer.. please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called Wells Fargo on apx XXXX/XXXX/XXXX regarding a discrepancy in my XXXX County Tax bill and the amount that was paid through my escrow account. My tax bill was apx {$7000.00} and Wells paid XXXX County {$7300.00}. This discrepancy was confirmed while I was on the phone with the initial agent. However, I was advised that THEY would receive the refund and that my payment would not be updated to reflect the error in the tax bill because " my loan was new '' and that while they would normally update, since they were n't sure what my taxes would go to, they are just going to keep the amount. I advised that was not acceptable, because the reserve cushion was set in place for such instances and I was getting hit twice because I paid XXXX too much and then I was paying 16 % of the HIGHER number to calculate a cushion. I was advised that they would give me an answer within a week or so. On about XXXX, I called to check on the status and also called to request that 1 month of cushion be removed. I was escalated to the office of the president and was referred to XXXX XXXX, who had NO information or apparently no access to the previous information from the initial agent. She said she had until XXXX to give me an answer on BOTH the initial request and my new request for a reduction in cushion. She called me today and STILL had no answer for me. She told me that she still needed to confirm if my closing documents REQUIRED me to pay a cushion. I advised that RESPA does not require anyone to pay a cushion, it just says that you can collect up to 2 months. I work for XXXX and we remove cushions at the agent level DAILY. I am urgently waiting to hear back because my XXXX payment includes a shortage of {$4500.00}. From my calculations, at a min that is off by at least {$900.00}. There appears to be no sense of urgency however with this agent. She STILL had no information on the obvious error in the tax amounts which the previous front line agent was able to confirm on the initial call. In addition, her customer service left much to be desired. It was quite evident that she was frustrated with me because I was not ok with still having no answer almost a month later.

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 monetary relief
Consumer complaint received 2018-01-25
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
On XXXX XXXX, XXXX I went into the US Bank branch to open a new credit card. XXXX XXXX, the banker, helped me open the account and successfully got the credit card approved. After which he mentioned another product to me. Initially I declined, but after hearing his spiel and reassuring me three times that there would not be another credit inquiry done on my credit report, I went ahead and agreed to open the personal line of credit ( PLOC ) and was approved. 

When I got home later in the day, I checked my credit report and saw that there were two inquiries done. I quickly called XXXX back and let him know. He said he would be looking into it. It took 4 weeks of back and forth with XXXX and various US Bank consumer report calls for them to officially open a dispute. On XXXX XXXX, XXXX. They formally opened the dispute. 

Sometime in XXXX I received a letter from US Bank stating that my dispute was denied. I called XXXX back once again and he said he would find out the issue and get back to me. After about 2 weeks of not hearing back I called the US Bank consumer report center directly at XXXX and they informed me the dispute was for the inquiry and because the inquiry was valid as a result of the new account, it could not be removed. I explained my frustration and they said they would be opening a new dispute to close the account and then remove the inquiry. I agreed. On XXXX XXXX, XXXX they opened the second dispute. 

Sometime in late XXXX I received another letter stating that my dispute had, once again, been denied. I called the department and they said that they were waiting on documentation from the banker, XXXX XXXX, to submit so they could process the closure and remove the inquiry. The banker, had already confirmed that the error was on his part, but they still needed whatever additional documentation. They told me they would be " escalating '' it and it could take a few days before that was completed. They were/are basically holding the resolution on the actions, of an individual I have no control over, who is also one of their employees. 

After two weeks of not hearing back, I finally called back today, XXXX XXXX, XXXX, to inquire about the status. They told me that there was no notes in the dispute about why it was denied, or what was going on with the account. They have once again " escalated '' it to be reviewed. 

Frankly, it has been almost 6 months. If it was only one bankers lack of knowledge that caused this issue, I would not be writing this message. This is my last resort as there seems to be a central flaw in US Banks policies and procedures regarding matters of this sort. They do n't seem to care or want to acknowledge that they made a mistake and resolve this.

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 2017-10-03
Company: EQUIFAX, INC.
State: IL
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: Problem with product or service terms changing

Complaint:
Want to sign up for Equifax 's TrustedID service for my wife and me. We have one -mail address and the TrustedID service requires an E-mail address as the user ID for  each person. Thus can only sign up one of us for the service with out opening another E-mail address just for this service. We would have to monitor the new E-mail address for any alerts. Since we would not use the new E-mail address we may not notice an alert in a timely manner. Equifax 's system ID requirements limit families from signing up for the service. 


What if you do not have an e-mail address? Are you unable to sign up for the Equifax TrustedID service?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
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: Investigation took more than 30 days

Complaint:
The credit repositories responded to my letter dated XX/XX/XXXX, & the documents I submitted both on their web site, or by fax, and through the CFPB. They stated I would receive a response to my concerns within 30 days from the date they receive my request. It is well beyond that time frame. 

As shown on the CFPB site, I requested a documented response containing the following : date of contact, the creditors contact information, the name of the person who verified the information, did they provide the credit bureau with my SSN, address, and DOB? 
Additionally, concerning XXXX XXXX, what information was provided allowing this company to report to the bureau 's " before '' the required 60-day grace period had ended after my Mortgage transferred from XXXX  XXXX XXXX, to XXXX XXXX XXXX? 

I also asked why the " accurate information '' provided by creditors, had not been removed on my request. The agencies must remove credit items already reported as closed after seven years of reporting, per the " California Bill of Rights. '' Instead I received a updated credit report dated XXXX without removing these items, or providing answers and proof to my requests. The back and forth of disputes began on XX/XX/XXXX and I am no closer now to accurate reporting than to their first response on 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
Consumer complaint received 2019-09-12
Company: AES/PHEAA
State: PA
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:
Fed Loan Servicing added loans to my account for years I did not have a loan. I did not receive ANY loans while attending the University of XXXX from XXXX XXXX. Lastly I started the school at the end of the year which makes them look even more guilty cause XXXX loans would not be possible. Secondly I only used a loan for XXXX XXXX because I used my GI Bill and XXXX  veterans benefits during XXXX. Please make them remove these 2 fraudulent loans from my account. They did this because they thought Trump would pay for them because I am a XXXX veteran. Those 2 probably belong to an employee in XXXX or someone accepting bribes. Please have them remove those fake fraudulent XXXX loans from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Apparently, my XXXX XXXX XXXX issued by Synchrony has been over the credit limit since XX/XX/2018. I had signed up for alerts via email and text yet was never alerted and my account was not blocked. I continued to make payments to the account and to make purchases using the account even though it was over the credit limit. I was finally able to get the alerts today after trying to set them up again for the 8th time. I spoke with customer service and they were no help with this issue. I explained that I had concerns about the fact that the account had been overdrawn for such a long time but not one alert or notice was sent to me. Lenders have responsibilities just the same as borrowers and should be held accountable. This has made the amount of money due to the interest increase on my account. Synchrony informed me that they do not lower their interest rates and that all their customers pay the same rate. XXXX consumers with exorbitant interest rates should never be allowed. I do not believe that statement and feel that the company is having customer service reps lie to clients.

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 2018-01-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was a victim of a XXXX scam in which I sent {$280.00} to the seller through Wells Fargo, using XXXX. Immediately after the transfer was completed I contacted them to cancel the payment because I realized I had been scammed. Wells Fargo explained that because I had authorized the transaction and it had been completed they could not do anything, but suggested I contact local authorities. After learning the only authorities that would hear my case were the FBI, I investigated what my other options were. I found out that you could find out what bank the money was sent to by contacting your bank, and that upon learning which bank the scammer had an account at you could launch an investigation on that account. So, I contact Wells Fargo to get information regarding which bank the scammer had an account at. The scammers account was also at Wells Fargo. At which point I asked if I could launch an investigation or what the next steps were, only to be told that because I authorized the payment it did n't count at fraud, which is true it was n't fraud on my account, but the owner of the other account committed fraud, according to California Penal Code 484 ( a ). But Wells Fargo continued to tell me that it was unlikely I would get my money back, and that this account is valid. Wells Fargo is allowing criminals to use their accounts to conduct criminal activity, as is XXXX as there have been numerous account of scams that occurred through XXXX, and large forums of scammers collaborating on how to use XXXX for scamming.

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 2019-07-07
Company: Accounts Receivable Services
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear XXXX I want to thank you for responding to my request You sent me Information on a debt that you claim I owe But how you have a patients name as XXXX XXXX she is My Brothers child I'm not sure how her information got attached to my name I have reached out to my brother about this he is Very upset that you are violating his daughters name to other family members. also I believe this is a Hippa Violation for you to be sharing patients Data info with others.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: John C. Heath, Attorney at Law, PLLC
State: DE
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hi. about an year ago I had XXXX XXXX help me out with a issue for my XXXX   XXXX/XXXX. I opened that account about 3 years ago now. The first bill never came to my house. i tried to get into contact with XXXX but no answer. until 4 months later upated my info and paid the bill. i would like to see if you guys would be able to help me removing the late payment history. Even1 or 2 remarks would be very helpful. The last 2 years and 8 months I've paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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: Received unwanted marketing or advertising

Complaint:
I need to provide a copy of my credit report and credit score to a landlord as part of obtaining rental housing. I went to the Transunion site and the XXXX   site. 

I was able to get a copy of my credit report from XXXX XXXX XXXX fairly easily, however, it doesn't contain my credit score, which is required by the landlord. 

In order to get my score, TransUnion requires me to sign up for a {$20.00} / month monitoring service that I don't want ( and only allows me to see my score on screen, I can't download a file to share with anyone ) or to pay {$9.00} for a one-time report in PDF. 

The Transunion Monitoring service sign up process collects my credit card information without ever disclosing the cost of the monitoring service or how I can cancel it - my card was charged {$19.00} before I was aware of the cost of the service. Transunion also does not make clear that the Monitoring Service does not allow a download of a PDF. 

When I called TU customer service - I worked with XXXX # XXXX - he was pleasant to speak with, but clearly was under instructions and training to make it difficult for me to simply get what I needed - my credit report and score - without signing up for paid services. When I cancelled the monitoring service the same day - because I realized that despite paying {$19.00} / month I couldn't simply download a PDF of my score and report. I was still charged for the first month and had to insist multiple times that he actually cancel the account ( he tried to upsell me multiple times ). When I asked to speak to a supervisor, I was told that the supervisor 's systems were all down today and that if I needed to speak to a supervisor, I would have to call back tomorrow. 

the FCRA should be amended to require that all consumers get access for free to BOTH their score and their credit report once a year. It is ridiculous that reporting agencies can get away with only providing the report but not the 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 monetary relief