BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Visa Card ending in XXXX, XXXX Statement included a 0 % balance transfer check through XX/XX/2020 with a 4 % fee, Credit Line listed on statement was {$25000.00}. Paid {$1.00} balance in full on credit card, On wells Fargo website listed Credit Line {$25000.00}, Available Credit {$25000.00}. Submitted Balance transfer for {$24000.00}. {$24000.00} posted to account, Transaction Fee of {$960.00} posted to account, Account balance {$25000.00}. Received message " Your account is over the credit limit, {$7100.00} due NOW '' Checked on website and credit limit now shows {$18000.00}. It is illegal to offer a balance transfer rate and then immediately lower the credit line with the sole purpose of inducing a fee. I contacted Wells Fargo through secure email and received a generic reply which did not attempt to address the problem.

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 2021-02-05
Company: Nelnet, 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:
The information on my report is not mine and I have written them a few times to prove the original instrument of indebtedness in its original form. I still have not received it yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Navient Solutions, LLC.
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:
Late payments reported on my credit report are not correct as I was of the understanding that I was either in deferment of forbearance. The problem is compounded as it appears that I have 6 separate loans with Navient that have all been reported as late. Communication with Navient has been confusing and frustrating at best as to my real situation. My loans are now current but I cant get the negative information removed from my credit report which is affecting my ability to get housing

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, XXXX XXXX and 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 2019-11-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of 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 non-monetary relief
Consumer complaint received 2023-02-18
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXXXXXX Balance {$900.00}

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 2021-04-05
Company: LoanCare, LLC
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I used to pay my mortgage via online. Last month ( early XX/XX/2021 ) I was unable to log in on same computer I've always used. I called customer service number and was told by an automated message to try later. I paid by check for XXXX. This month ( XX/XX/2021 ) I tried again to contact customer service and was unable to get to a live person. I was told ( automated responses ) to log on to website. That was the problem!. I reset my password and tried again. Still unable to log in. I tried again to call customer service and again was unable to talk with a representative. All options were automated. How am I supposed to get with customer service if a live person is not an option!? 
The company is XXXX  or XXXX XXXX XXXX  XXXX with LoanCare LLC servicing the loan for them. I identified the company as XXXX XXXX but the culprit may be LoanCare , LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting act. The list of of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX DEPT OF ED/XXXX  # XXXX 15 U.S.C. Section 602 A.States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 C ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance {$660.00} U S DEPT OF EDXXXX 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 explanation
Consumer complaint received 2023-03-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fifth Third failed to escrow our property tax into our mortgage payments as promised. We received a late tax notice with a 21 % penalty. We ALSO lost a 2 % discount for not paying through the bank. We ASLO discovered they were putting our extra payments into a checking account instead of putting it toward our mortgage. This caused us to lose 21 % + 2 % discount + interest that would have been paid with the extra payment money. 
We contacted Fifth Third who acknowledged something " went wrong '' with our closing. We were contacted back and told the delinquent tax payment was paid and escrowed into our payment. This was done without our permission. We have received a letter stating they have now absorbed the tax penalty. However, we have not received a new escrow analysis heard back from Fifth Third regarding the 2 % discount or the lost interest from our extra payment money. We feel that we deserve the 2 % discount credited to our account AND a resolution to our extra payment money that was not applied to our mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Diversified Adjustment Service, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
" Diversified Adjustment Service, Inc. '' has been making repeated, unwanted calls to my personal cell phone for weeks now. They never leave a message. It's clear they are a debt collector, but I have no idea what debt I could possibly owe. I do not believe I owe any to anyone. They certainly have not let me know of any debt they claim I owe them in writing, as I believe they are required to do by law within five days of contacting me. It has been well beyond that ( first call was at least two weeks ago ) and still I have no proof or even a specific claim of any debt, in writing or otherwise, just persistent spam phone calls. I wanted to let them know in a written message myself to either provide proof of a debt or cease contacting me, but they do not seem to make it easy to contact them in writing, so I was forced to go directly to you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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 started a XXXX XXXX account in early to late XX/XX/XXXX and I had no credit score when I first created the account. In early or late XX/XX/XXXX, I noticed that I suddenly had a credit score and a credit card had been open under a fake name and what I assume a fake address. I tried contacting Capital One that night, but was not successful at getting ahold of a representative, because I did not have the account number or credit card number associated with the fraudulent account. I also noticed that an XXXX XXXX XXXX bill had appeared on my XXXX XXXX account along with XXXX. I have never been with either company. I have reason to believe that, the person may have gotten ahold of my social security number somehow. I'm in the process of contacting Capital One by mail and hoping to get this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-15
Company: Early Warning Services, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
This is a written request to get copies of my consumer report, my identity has been compromise in pass data breaches, I may have account in my file that do not belong to me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: FORD MOTOR CREDIT CO.
State: NY
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:
I do not recognize any of these inquiries. I never applied nor authorized the application of these accounts. 
XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FORD MOTOR CREDIT CORP, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
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: Public record information inaccurate

Complaint:
XXXX reported XX/XX//XXXX Experian XXXX/XXXX/XXXX Bankruptcy XXXX XXXX-Discharged I disputed this inaccurate information and where or who provided this inaccurate information they did not respond.

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 2020-02-07
Company: Square Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On yesterday I went online to lookup Cash app phone number to dispute a company called XXXX XXXX  because I have not received the merchandise I paid for. The first transaction was on XX/XX/XXXX in the amount of XXXX then I paid the same company XXXX. I never received any product instead of disputing with my bank I thought I was contacting cash app. A gentleman stated he is the manager at cash app by the name of XXXX XXXX his direct line is XXXX ) XXXX gave me his number directly and then he proceeded to tell me to identify my transactions to download and log into support and give him ID code he was on my phone with me I showed him the transaction that was taken out he had to go to cash app and delete all requests sent to them for my money then he proceeded to tell me to add these code which was actually taking money out my checking account. I mentioned why is more money taken out my account when the original problem is not handled he stated they hold for verification I said Im going to my bank I didnt authorize these transactions to come out. Then he told me while they are handling XXXX  XXXX  do not attempt to log back in until he calls tomorrow with an update. I said I need my money back in my account. So I got my daughter to help me reopen my cash app because it was completely taken off my phone when we opened up my account he changed my email address to XXXX and deleted email and my phone number. Thats when I tried all in my power to stop that money from going out. I placed my phone number back and I deleted the fake email and placed mines back. Ive contact cash support telling them I didnt do it to put it back but I went to my bank and cancelled the card it came out of. Now my account is frozen with cash app and there is no one I can talk to to get my funds back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, 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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
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:
TODAYS DATE:XXXX XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX. XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX  XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX  XXXX XXXX ( I NEVER OPEN THIS ACCOUNT ) Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX  system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX  system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: Reliant Capital Solutions, LLC
State: ID
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Called me at XXXX XXXX, did not state company name or to whom I was speaking with, but wanted me to give out my personal information such as my birthday. I informed that at the time they call that it was before XXXX XXXX. Called back spoke with an agent, his excuse is I have a east coast address, yet I have never dealt with this company before. Also, after talking with the agent he is well aware that my employer is in Idaho. Therefore, it should have been a given that the address they have on file did not correlate with my new address and time zone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-15
Company: Ascendium Education Group
State: OH
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'm experiencing some major difficulties in obtaining loan information. I'm in need of a Master Promissory Note. The U.S Department of Education explained that my original loan provider, has the needed information. I have contacted XXXX XXXX a number of times and haven't heard a response. In order to pay this loan off I have to verify that all the information, that I have gathered, is in accordance with the Master Promissory Note. I had contacted XXXX XXXX a number of times in the past and requested the Master Promissory Note but they sent me disbursement statements. The information that I have didn't correspond with the disbursement statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation