BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
experian has not fix my credit report or fico score after sent them documents

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX  cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are several accounts that are reporting inaccurately on my credit file. The following accounts are reporting inaccurately for the following reasons : Incorrect Personal Information : Names : XXXX XXXX ( XXXX ) Names : XXXX   XXXX  ( TU and XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX ( TU & XXXX  ) Address : XXXX XXXX XXXX XXXX ( TU ) Address : XXXX XXXX XXXX ( XXXX  & XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX XXXX ) Inaccurate Late Payments reporting on the following accounts : XXXX XXXX - Date Open : XX/XX/XXXX ; Bal : XXXX. I was never late ( XXXX, TU, XXXX  ) Identity Theft or Fraud Accounts : XXXX XXXX XXXX ( XXXX XXXX XXXX ) - Date Opened : XX/XX/XXXX ; Bal : XXXX. I was never late. ( TU & XXXX  ) XXXX XXXX XXXX - ( XXXX XXXX ) - Date Open :XX/XX/XXXX ; Bal : {$1600.00} ( TU ) XXXX XXXX XXXX - ( XXXX XXXX ) - Date Open : XX/XX/XXXX ; Bal : {$2900.00} ( TU ) XXXX XXXX - Date Open XX/XX/XXXX ( TU ) ; Date Open ; XX/XX/XXXX ( XXXX & XXXX  ) ; Bal : {$18000.00} Chargedoff ( XXXX, XXXX, TU ) Unauthorized Inquiries : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 4 TIMES ) 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 2019-02-02
Company: Selene Finance LP
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:
My previous mortgage was given to Selene Finance from XXXX XXXX. In as of XX/XX/XXXX Selene Finance put on my credit report that I had late payments in XX/XX/XXXX and XX/XX/XXXX. As you can see below from Selene 's  own information payment was cleared for XXXX on XX/XX/XXXX and the entire balance was paid on XX/XX/XXXX. Both are well within the time frame before it would be considered late. I have never been late with my mortgage payment and have not been late on any payment at all since XXXX. I have fought with Selene Finance to correct their mistake which they continue to deny and refuse to update with the correct information. This is now impacting my family and I being able to get another mortgage to buy our family home. I pray that you are able to assist me in anyway in getting this corrected. 
SELENE FINANCE PAYMENT HISTORY Date Amount Description XX/XX/XXXX - {$220.00} Escrow Disbursement XX/XX/XXXX {$20.00} Payment of Fee XX/XX/XXXX {$180000.00} Payoff XX/XX/XXXX {$20.00} Assessed Fee XX/XX/XXXX - {$1600.00} Insurance Disbursement XX/XX/XXXX {$1200.00} Payment XXXX ALERT FOR SELENE FINANCE XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: AES/PHEAA
State: FL
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:
As of XX/XX/XXXX, I have made 36 student Liam payments, ranging from {$250.00} to {$290.00}, to XXXX XXXX since XX/XX/XXXX under the Publuc Service Loam Forgiveness program. XXXX reported that I only had 19 qualifying payments. However, I was never told the I repayment plan I had no longer qualified for the loan forgiveness program. Each time I applied for a repayment plan I called them and asked for help to assure this would not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Original debt was closed and processed by original creditor and then midland funding purchased from secondary lender. Now the balances are completely incorrect from what actually was paid off as well as denied debt validation. Midland also hasnt tried to reach me before going to court and filling a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: Commonwealth Financial Systems, Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I learned recently ( by an credit score alert service ) that COMMONWEALTH FINANCIAL SYSTEMS has entered a collections account with two of the three credit bureaus, bringing my credit score down by more than 200 points ( on the one I can monitor ) I have been working very hard to get my score where it was, for this to happen all of a sudden and out of the blue. 
They claim to be collecting {$1200.00} for XXXX XXXX XXXX XXXX, XXXX but I called them and after checking they assured me they have never had any account under my name. This has to be a mistake. 
I have disputed this with the credit bureaus, but they haven't ruled in my favor, so I am entering this complaint. I don't recognize this debt, they claim it was originated in XXXX but I haven't gone to the doctor 's and not paid in a long time! Years. 
I got sick in XXXX with XXXX XXXX syndrome and my health insurance company back then claimed it was a pre-existent condition and didn't pay any of my bills, so I had to default on my credit cards and left all my medical bills unpaid. I'm thinking this could have been originated back then, maybe, but ... I don't recognize the amount, nor the provider, and if somebody sent me to collections about this I was never notified or given the chance to work something out before they did it. 
I researched this debt collector and they have a long history of buying old debt and re-dating it to try to collect, I don't trust them one bit. 
I think this is a mistake, I don't owe this amount to these people, I am asking this to be erased from all my credit reports. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: Fidelity National Information Services, Inc. (FNIS)
State: TN
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:
On XX/XX/2023, I reached back out to XXXX XXXX XXXX because they are still reporting to both ChexSystems and XXXX XXXX XXXX that I have some sort of charged off and/or delinquent account with them which is causing me to still not only open any accounts at a national bank, but is also affecting me in trying to open accounts at local banks and has caused my existing bank ( XXXX XXXX ) to close my account all predicated on their frivolous and erroneous reporting of an account that does not exist. They have sent me a letter stating that they are not reporting it, but the other banks have verbally stated that the reason for closure or for me to be unable to open an account is because of what's being reported to ChexSystems and XXXX XXXX XXXX. This is literally the example of holding my banking privileges hostage and this is illegal in nature. The reporting agencies have to bear responsibility as well in the erroneous reporting as this type of treatment is very systemic in nature.

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 2019-02-02
Company: Dovenmuehle Mortgage, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX Dovenmuehl sent me a letter saying that I incurred a shortage of XXXX due to a large increase in property tax. According to their records the property increased by about {$5000.00}. Dovenmuehl was incorrect. But before I figured out that Dovenmuel was incorrect I sent them several thousand dollars to bring the escrow balance to the erroneous required amount. 

Correct Property taxes for XXXX -- -- - {$1100.00} Exhibit c Correct property taxes for XXXX -- -- - {$1300.00} Exhibit C On XX/XX/XXXXI sent a fax to Dovenmuehl showing that the correct tax amount for XXXX was {$1300.00}. See Exhibit E. 

Between XX/XX/XXXX and XX/XX/XXXX I paid {$6700.00} to the escrow account. 
Dovenmuel paid XXXX in county taxes out of that. 
Dovenmuehl paid {$0.00} for insurance because I purchased home insurance directly That leaves XXXX in escrow to pay for XXXX taxes of {$1300.00}. 

Dovenmuel owes me {$4200.00} XXXX I asked Dovenmuel to let me pay my own tax and insurance because they XXXX   them up so badly but Dovenmuhl said that They could not allow me to take responsibility for my own taxes and insurance because my escrow balance was negative. That's XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX XXXX XXXX is reporting 30 day late pay on credit reports for XXXX XXXX. I filed a dispute with XXXX XXXX XXXX XXXX in XXXX XXXX. XXXX XXXX XXXX XXXX deleted the late pay for XXXX XXXX and sent a letter to me stating the outcome of the investigation. In XXXX XXXX I was notified by credit monitoring company I had a late pay added to my file for XXXX XXXX from XXXX XXXX XXXX XXXX. I contacted XXXX and they stated they made a error and would send correction to reporting agencys. I wrote a dispute to reporting agency with supporting documentation from XXXX. I received my investigation reports back from reporting agencys with no change.

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 2020-09-15
Company: EQUIFAX, INC.
State: FL
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 was enrolled XXXX XXXX  in school from XX/XX/XXXX to XX/XX/XXXX. XXXX- Federal Student Loans reported a missed payment on my credit account, 90 days past due reflecting on XX/XX/XXXX. Since I was in deferment at this time, I sent in all documents to XXXX and they approved my deferment request for the dates aforementioned. I submitted proof of deferment to all three credit bureaus maybe six times already and they have not resolved my issue despite documentation provided to warrant my requests. I  have also reached out to XXXX to have them report the correct information but they too have failed to do so. 

I feel violated that my information is not being accurately reported and I have endured rejection of many essential personal business requests due to this. This has taken a drastic toll on my life and I am seeking help from your agency to have it corrected as well as have the companies involved penalized in some ways for their abuse and neglect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been submitting disputes for this charge to be removed but the fraud is still reflecting on my credit account.

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 2018-06-06
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:
I disputed a bankruptcy with Experian and XXXX. XXXX   removed it but Experian and XXXX refused to.

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 2021-02-12
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received a PPP loan as well as a XXXX loan for my business back here in XXXX and XX/XX/2020. The PPP loan was deposited into one business account while the XXXX was received into my other business account that I held at WellsFargo Bank. I didn't utilize my WellsFargo Bank because I operated my business mostly from my other business account thats held at another bank. I was advised with the PPP to place it separately from your normal account so you can better keep track of your expenses in order to qualify for forgiveness. My WellsFargo account was mainly used for employee payroll, business utilities, and other business related expenses such as but not limited to making renovations to ensure the safety of myself as well as my employees. In XX/XX/2020, I was attempting to use my debit card and it came back rejected stating that the bank that released the PPP loan has placed a soft hold on my account due to Fraud. I have reached out to XXXX XXXX  and haven't received any follow calls after numerous calls to the fraud department. I also have called customer service and visited WellsFargo Bank at XXXX in XXXX, TN several times and spoken with the bank rep that service my account by the name of XXXX and also have spoken with Fraud Investigator from WellsFargo Bank who wasn't clear of what the fraud was and stated he was closing his investigation. The reps from Wellsfargo was also unsure of any discrepancies. I also called XXXX who serviced the loan to get information and they was going to reach out to XXXX for more information. The rep emailed me stating he didn't have any information. So I have been going in a circle since XXXX with no information pertaining to why my account was flagged for fraud when in fact I have been in business for over 16 years and my account at WellsFargo was open way before the PPP or XXXX loans were presented. My accounts were just closed on XXXX and my funds haven't been released when these funds were supposed to be used for my business operational need in order to apply for forgiveness and my XXXX loan is a 30 year loan. I need to hear some information soon from someone. My SBA money was in another account that was separate from my PPP and it was also placed on hold.

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 2020-06-24
Company: DCN Holdings Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an email on XX/XX/2020 stating : " We have been asked to contact you by our client, XXXX XXXX XXXX XXXX, regarding your past due balance with them of {$1100.00}. Their records indicate that your payment has not been received or processed as of the date of this correspondence and therefore is listed with us for collection. '' I have never done business with XXXX XXXX XXXX XXXX. My father, who passed away, apparently purchased a chair from them in the amount of {$1100.00} before he passed. They are now trying to collect this amount of money from me. My father did not have a will nor did he have any assets to pay for this debt. 

They then sent this email : " You are being charged for the Lift Chair you picked up and loaded in your vehicle after your father passed away. This makes you responsible for the debt. They have witnesses and cameras that show you taking possession after your father 's passing. '' This chair of my father 's was never loaded into my vehicle. I am not in possession of this chair. I feel they are trying to bully me or extort this money from me. 

According to the FTC, the nation 's consumer protection agency, family members typically are not obligated to pay the debts of a deceased relative from their own assets. 

I want this company and this person to stop harassing me. 
XXXX XXXX Claims Agent Accounts Receivable XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Phone : XXXX Fax : 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 2023-01-21
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Wells Fargo was recently ordered to pay consumers XXXX XXXX in a class action lawsuit. I believe that I might be part of that settlement. I had a vehicle at that time that was financed thru Wells Fargo. Below I have listed my information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone number XXXX I had a car loan for a XXXX XXXX XXXX XXXX. My car note and insurance was financed thru Wells Fargo.

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 2020-11-03
Company: Experian Information Solutions Inc.
State: NC
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 checked my credit reports and I found items that do not belong to me. I requested proof of the account and did not receive a response from the credit bureaus. I also asked for a change of address and that was not done. I also did not receive notice 5 days prior to these accounts being placed on my credit report. According to the FTC and TCRA, I am supposed to receive a notification and I have not received a notification.

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 2018-03-09
Company: WESTERN UNION COMPANY, THE
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2018 I transfer {$2900.00} through Western Union to the XXXX XXXX, from my bank account online. They withrawed the money from my bank and said the money was available. When my sister in law went to pick the money up they refused to give her the money. They did a change on their system on which my receiver last name appears as a middle name and middle name as last name. They stopped the transfer and they would not fix the problem or let me fixe it on my end. They cancelled my transfer and it's going to take 7 days for my money to be deposited back to my bank account. It's a very sad situation in which this company is playing with my hard earned money. I believe there are many customers with the same problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: Ocwen Financial Corporation
State: MS
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed Chapter XXXX bankruptcy in XX/XX/XXXX. It is now XX/XX/XXXX and it appears as if I have just bought my home. Through the course of this bankruptcy I have paid 12 to {$1300.00} per month which amounts to approximately {$50000.00}. My principle has not decreased and OCWEN states via mail they have only received {$8000.00} over the course of this process. They are threatening foreclosure if I do not pay {$8000.00} by XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: Experian Information Solutions Inc.
State: LA
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:
PLEASE DO NOT MARK AS DUPLICATE, I HAVE VERIFICATION. XXXX XXXX should be listed as paid in full for less than the full balance. My account should reflect a XXXX balance.

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