BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been reaching out to the Bureau to remove this issue on my credit report sinceXX/XX/XXXX on several different occasions up until now XX/XX/XXXX. The debt was paid and taken care of. XXXX XXXX/ XXXX XXXX XXXX promised me that account will be removed and deleted from credit reporting in favor to me paying amount. The negative account is affecting my score and causing hardship on my journey to purchasing a new home for my family.

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 2021-05-01
Company: Experian Information Solutions Inc.
State: AZ
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:
A cell phone collection bill for {$79.00} happen to be incorrect and I never received a notice from collection company named XXXX XXXX. This dropped my score by 179 points, which I wasnt considered for a bank position due to this low score. 
In addition. XXXX XXXX credit card was paid and settled and continues to show a high balance. Ive tried submitting disputes to all XXXX agencies. XXXX, XXXX  and Experian. No help. My scores were in the low XXXX just a month ago and now in the XXXX range due to one incorrect collection and a XXXX credit card which was settled to zero balance versus {$16000.00}. I need gainful employment and my score has been dramatically and unfairly reduced with my overall good payment status over the past couple of years. 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 non-monetary relief
Consumer complaint received 2017-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been reaching out to the Bureau to remove this issue on my credit report since XXXX XXXX, XXXX on several different occasions up until now XXXX XXXX, XXXX. The debt was paid and taken care of. XXXX XXXX/ XXXX XXXX XXXX promised me that account will be removed and deleted from credit reporting in favor to me paying amount. The negative account is affecting my score and causing hardship on my journey to purchasing a new home for my family.

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 2019-04-30
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2019, I filed complaint No. XXXX, with this office. After the complaint was filed, Mr. Copper provided some RESPA notices pertaining to the transfer of the loan.We want to be very clear that these notices were not provided by the lender until we filed the complaint with the CFPB. After the complaint, Mr. Cooper provided a mortgage statement to during the bankruptcy stay indicating to pay the amount of {$570.00} for the month of XX/XX/XXXX. Because we are in foreclosure, we contacted Mr. Cooper Bankruptcy department to confirm the amount of the payment. A representative stated that the amount was correct and to make the payment. On XX/XX/2019, Mr. Cooper processed the payment and deducted the same from our account. To our surprise, Mr. Copper lawyer XXXX XXXX filed a motion to schedule a sale date. The judge granted her motion and the court listed the property to be sold on XX/XX/2019. Mr. Cooper has engaged in Florida 's deceptive business practices. Mr Cooper made a verbal agreement with me over the phone to pay the amount indicated on the XX/XX/XXXX statement while taking our payment then placing the property for sale. When we contacted Mr. Copper, they are now changing their story and playing XXXX. The company now claim that they made a mistake by taken the payment and are sending the funds back??? What is this????. It is more then obvious the Mr. Cooper has acted in bad faith and i request that you sanction the company. We are also requesting that they honor our agreement and allow us to continue to make the payments. We are also requesting that they cancelled any future sale dates while we are making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Mortgage Research Center, LLC
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: Account information incorrect

Complaint:
I Have Freezes On My Credit Report And So Many Different types of people And Places Looking Up My Credit Reports And Every Time I Applie For Any Type Of Credit Whether It Be Credit For A Car A Credit Card A Mortgage Its Got So Bad That I Can't Even Request Some Of My Own Credit Reports And To Of My Reports Say I Don't Have A SSN And The Other One Says I'm Dead I'm And It Makes No sense Because I'm Pretty Sure My Phone Calls Are Be Redirect I Can't Be Identified And When They Do Pull Up My Reports I'm Pretty Sure I'm Be discriminated against Because It Says On One Of My Reports That I Requested A Summary Be Put Up About Me That I Have A XXXX So Now The Cards That I Did Have Got Close By Grantor I Have Been Trying To Get A Home But There Pulling My Reports And Saying It Cant Be Optain I Feel Like I Stuck In A XXXX XXXX  I Can't Get A Single Soul To Help Me When I Know Its So Much I'm Entitled To But I'm Tired Of This I'm A XXXX Year Old Man Living With My Mom With No Car No money no Credit And No One 's Even Giving Me A Chance. Not Even The SSI Payments I Been Waiting A Year To Get The And The Judge That I Have A Civil Suit With Have Not One Time Set A Court Date The Case Is Just Sitting When My Human Rights Was Violated Its Got To The Point I Honestly Feel Like I Have Not A Hand To Be Giving No Matter How Many Phone Calls I Make How Much Time I Spend Trying To Do Everything the right Way This Life Thing Is Seriously Just Getting Harder And Harder With No Help Because I'm A Individual Nobody

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 2019-04-30
Company: Navient Solutions, LLC.
State: NC
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:
applied for XXXX  XXXX XXXX- {$2300.00} Date of loan-XX/XX/XXXX XXXX XXXX XXXX- {$3800.00} Date of loan-0XX/XX/2013 XXXX XXXX XXXX- {$1400.00} Dat of laon-XX/XX/2013 XXXX STAFFORD SUBSIDIZED- {$2700.00} Date of loan-XX/XX/2013 After withdrawing from classes because of my mental impairments ( im XXXX ) navient placed all my loans into a grace period ( XX/XX/XXXX ). Following the grace period my loans were placed into forbearance three times and into repayment four times ( not income driven repayment plan ) until finally I was told about the income driven repayment plan, unfortunately however this is where things turned bad. I wasn't told about the re-sign up date once a year and subsequently my credit score and my life suffered. I called navient to let them know I was XXXX again and submit documents for proof which failed due to customers service bad information. I called again to let them know I was XXXX but was told nothing about XXXX discharge until I asked during my third phone call. 
I'm mentally XXXX and have been this way since i was a child. Im XXXX XXXX XXXX and because of navient i have a 90-120 day late payment on my credit score and unable to get an apartment credit cards or vehicle financing not to mention the sever XXXX on top of my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the dates of XX/XX/XXXX and XX/XX/XXXX I was robbed by an individual who forcibly took my phone from me and used it to make multiple transactions out of my Wells Fargo accounts through XXXX and XXXX XXXX  The individual also stole personal documents from me including my passport, driver 's license, birth certificate, social security card, debit card and credit card information. 

I opened several claims with Wells Fargo regarding these unauthorized transactions on my accounts. On XX/XX/XXXX I opened an online fraud claim, # XXXX for a total of {$3500.00} for the unauthorized XXXX transactions made by the suspect. 

On XX/XX/XXXX I filed a card claim, # XXXX for a total of {$3.00} for unauthorized transactions made through XXXX XXXX using my debit card. 

On XX/XX/XXXX I filed 2 additional card claims : # XXXX for a total of {$4800.00} and XXXX for a total of {$600.00}. I was told by the representative who took my claim that there were too many transactions to fit into one claim which is why two were opened. These transactions had occurred on or about XX/XX/XXXX but I had first tried to recover the funds through XXXX XXXX but never received a resolution. These were the unauthorized XXXX XXXX transactions the suspect stole from me that night. This was also the evening after I spoke to the XXXXXXXX NJ detectives and the magnitude of the crime that was committed against me began to set in. 

I emailed Wells Fargo Card Claims on XX/XX/XXXX with a copy of the police statement and asked them to call the XXXX NJ police department to speak about the specifics of the case. 

I emailed Wells Fargo Card Claims on XX/XX/XXXX with a letter explaining what happened, text messages between the suspect and myself where he admits to stealing my money and extorting me, and the detectives business card asking them to contact him regarding the case. 

I faxed Wells Fargo Online Fraud Claims Assistance center on XX/XX/XXXX and XX/XX/XXXX with the same information as I had sent the Card Claims Assistance center and fax confirmation pages will be uploaded with the supporting documentation. 

To date Wells Fargo has denied all the claims except for claim # XXXX where the bank issued a permanent credit. This letter will also be uploaded with the supporting documentation. I do not understand how Wells Fargo has denied any of these claims given there is now an arrest warrant out for the suspect, but further do not understand how the bank itself would determine 2 of the transactions as fraudulent and deny the rest. 

Uploaded is documentation I believe is most relevant to this complaint, including the full report from the detectives with the suspects information and charges is facing. An arrest warrant has been issued for him.

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 2021-11-19
Company: Santander Consumer USA Holdings 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: Account information incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This company is currently showing 30 days late ( XX/XX/XXXX ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 
SANTANDER CONSUMER USA ****** Opened XXXX XXXX, XXXX Balance {$0.00} SANTANDER CONSUMER USA XXXX Opened XXXX XXXX, XXXX Balance {$0.00} SANTANDER ****** Opened XXXX XXXX, XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX XXXX I sent my wife {$2700.00} dollars to her account in which it stated completed with but bank stated they never received it. On my side it said still in transit. After several attempts of back & forth about where the money was the bank finally got their main branch involved & seen where they had been trying to send it but they were rejecting due to the amount. They stated that she could not received over {$2500.00} in single transaction going to her card but if money gram could just split the amount up in different amount as long as it wasn't above {$2500.00}. I tried doing that & still they stated they wanted to hear that from the bank. My wife had letterhead drawn up & sent in to them through email stating why it wasnt going through & still no response. I even filled out form on their moneygram site & still no response from them. I have requested refund & they are telling me that its under investigation until they hear from her bank. My light bill & new car down payment money was in that amount & now I don't have a single dollar. I have requested refund but they will not do it. XXXX below is from the bank. They can verify if needed. XXXX is the company XXXX XXXX XXXX XXXX Alabama XXXX XXXX XXXX is the company that was going to recieve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/XXXX I sent a letter to : XXXX  at XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX TransUnion XXXX. XXXX # XXXX XXXX, PA. XXXX In this letter I requested an investigation into and validation of various questionable accounts on my credit report. The results came back with some of the questionable accounts being verified. 

On XX/XX/XXXX I sent a letter to : XXXX  at XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX TransUnion XXXX. XXXX # XXXX XXXX, PA. XXXX In this letter I requested a re-investigation into, and validation, of various questionable accounts on my credit report. I asked for the method of verification and supporting documents validating the accounts as being accurate. I was provided neither. 

On XX/XX/XXXX I sent a letter to : XXXX  at XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX TransUnion XXXX. XXXX # XXXX XXXX, PA. XXXX In this letter I requested a re-investigation into and validation of various questionable accounts on my credit report. I again asked for the method of verification and supporting documents validating the accounts as being accurate. Once again, I was provided neither. 

As of XX/XX/XXXX the questionable accounts have not been validated but still remain on my credit report.

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 2021-11-19
Company: MIDFIRST BANK
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have disputed a fee charge on my account on more then one occasion it is a fee charge of {$2100.00} which has nothing to do with my mortgage loan. I was told it was a fee that was charged because of something they requested on their error but since they ordered it that I had to pay for it, I don't think this is fair to me, or to any other consumer. I am not sure if this is a practice of this company, but I have just come out of a financial hardship which I had to modify this mortgage. In I do not have the resources of this company or the government assistance they have, I am sure I have paid them enough interest to cover their mistake, but they don't seem to have any concern.

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 2019-12-13
Company: EQUIFAX, INC.
State: NV
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:
XX/XX/2019 my XXXX my Equifax my XXXX  reporting wrong an inaccurate info and unverified info that's not my. name, address, number, and unverified account information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: Experian Information Solutions Inc.
State: KY
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 SUBMITTED MULTIPLE DISPUTE REQUESTS WITH ALL XXXX XXXXREDIT BUREAUS TO REMOVE CERTAIN ITEMS ( BELOW ) OFF MY CREDIT REPORT AS I WAS A VICTIM OF IDENTITY THEFT SINCE XXXX & MULTIPLE ACCOUNTS HAVE BEEN OPEN IN MY NAME AS WELL AS MULTIPLE INQUIRIES INCLUDING AS RECENT AS TODAY. THESE CREDIT BUREAUS KEEP COMING BACK WITH ACCOUNTS VERIFIED WHICH IS NOT TRUE THESE ACCOUNTS DOES NOT BELONG TO ME AND I NEED THEM REMOVED IMMEDIATELY XXXX ACCOUNTS * XXXX XXXX  XXXX OPENED XX/XX/XXXX * XXXX XXXX XXXX OPENED XX/XX/XXXX * XXXX  XXXX XXXX  XXXX OPENED XX/XX/XXXX * XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX * XXXX XXXX XXXX XXXX OPENED XX/XX/2012* XXXX XXXX XXXX XXXX OPENEDXX/XX/2012 * XXXX XXXX XXXX XXXX OPENEDXX/XX/2012 * XXXX XXXX XXXX  XXXX OPENED XX/XX/XXXX * XXXX XXXX XXXX  XXXX OPENED XX/XX/2013 XXXX XXXXXXXX XXXX XXXX OPENEDXX/XX/2017* XXXX XXXX XXXX XXXXXX/XX/2019 XXXX  XXXX  XXXXXX/XX/2021 XXXX INQUIRIES XXXX XXXX  ; XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXXXX/XX/2021XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/2021XXXX XXXX XXXXXX/XX/2021XXXX XXXXXX/XX/2021XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XXXX  XX/XX/XXXX XXXX XX/XX/2021XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XX/XX/2021XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/2021XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/2021 XXXX XXXXXX/XX/2021 XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXXXX/XX/2021XXXX  XXXX XX/XX/XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXXXX/XX/ XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/2021XXXXXX/XX/2021XX/XX/XXXXXXXXXX/XX/XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/2020 XXXX XXXX XX/XX/2020XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/2020 XXXX  XXXX XX/XX/2020XXXX XXXX XXXXXX/XX/2020XXXX XXXX XXXX XX/XX/2020XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020XXXX XXXX XXXXXX/XX/2020 XXXXXX/XX/2020 XXXX XXXX XXXXXX/XX/2019 XXXX XX/XX/2019

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 2019-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XX/XX/2019 my transunion my XXXX  my XXXX  reporting wrong an inaccurate info and unverified info that's not my. name, address, number, and unverified account 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 2022-08-17
Company: AFNI INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
A derogatory mark was entered on my credit file as per credit check total. this account was transferred or sold and I am no longer responsible for it. this company did not verify this debt before listing it on my file. they did not have my written permission to list it. also they have not sent me any written contracts with my signature. They are violating my rights as per Fair Credit Act. Sending a bill without a written signature of mines does not qualify as validating a debt. Anyone can send a bill to someone. According to FCRA, Afni inc is in violation of my rights. I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: LEXISNEXIS
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
My car insurance company informed me that it will add an additional driver to my car insurance. They insist that LexisNexis reported to them that there is a new member of our household. There is none and there never was such a person. It is just myself and my wife ( both retired ) sharing XXXX car and residing alone at this address for XXXX years. After several days of back and forth with my insurance agent I was advised to deal with LexisNexis directly. How do I prove a non-existence of someone, he did not know. 
I can send you all the supporting information in the PDF form if you provide e-mail address to send it to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: Accurate Background
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I applied for a XXXX XXXX position with XXXX XXXX back in XXXX. In the onboarding process, I submitted a background check to Accurate at that time. I did not realize until Friday, XXXX when I received a call from Virginia with XXXX XXXX that I had something appearing on my background check and that I should check my email to see what the report provided from Accurate. I checked my email and there was another woman 's criminal information showing on my background who lived in XXXX, VA. In the remarks on the report it stated " verified by close name and close date of birth match. '' I have never lived in XXXX, VA ; nor done these crimes. My middle initial has never been M. I am not this person and she is not me.I reached back out to Accurate and filed a dispute on Monday, XXXX XXXX. I received a denial letter of employment because of this from Accurate on behalf of XXXX XXXX. I filed another dispute today, XXXX XXXX. I need to get this corrected and have this person 's information removed as soon as possible. Please let me know what I can provide or do to have this wrong and inaccurate information removed from my background check. This is not only affecting my employment with XXXX XXXX, but also XXXX where the background check with Accurate is currently pending.

Company response to consumer: Closed with non-monetary relief