BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-22
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I consolidated my loans with a third party that turned out being fraudulent. They falsified my information, saying that I had kids that I didn't have and was making {$0.00} ( I am a full time XXXX ). My payments to them each month went no where, as it says on the XXXX XXXX website that I have no payments made to my loans. They changed my email, phone number, and address to their information so I never heard that I was delinquent and behind in my payments from the Department of Education. I have filled out a complaint previously with a liaison of Congressman XXXX XXXX. The fraudulent company has switched their name once since I have been paying them and it is now called XXXX XXXX XXXX. It used to be called XXXX XXXX XXXX. I paid {$61.00} a month with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: EQUIFAX, INC.
State: GA
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:
My federally protected Consumer rights were violated because Equifax furnished false information without my written consent. I never gave Equifax any written instructions to furnish anything on my Consumer 's report. No consent is Identity Theft and infringement on my Consumer 's right to privacy. Based off Equifax violating my consumer rights I am unable to apply for any Consumer credit for my personal as well as my business. These violations are hindering me from purchasing a mortgage and vehicle for my family. Furthermore, I have been humiliated as well as dealing with XXXX  and stress because of these results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Experian Information Solutions Inc.
State: NY
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: Didn't receive services that were advertised

Complaint:
I made a reclaim to the credit bureao Experian because i was victim of identity theft and There are 4 accounts that i dont recognize and are negativly impacting my credit score, the accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I opened the account XX/XX/XXXX. 
I withdrew the full balance of the account on XX/XX/XXXX. 
I called to close the account on XX/XX/XXXX and the customer service representative said the account was now closed. 
On XX/XX/XXXX I received a collections notice for {$43.00} because I supposedly had not closed the account and had been overdrawn by maintenance fees. 

On XX/XX/XXXX I called multiple customer service departments including collections and the branch that controlled my account. All said they couldn't reverse the collection even though it was fraudulent and made by a bank error.

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 2021-05-05
Company: Aargon Agency, Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
on XX/XX/XXXX I received notice from my mortgage broker that there was a debt collection notice on my credit report which had dropped my XXXX credit score down to XXXX. 
The collection agency is Aargon -phone number XXXX. 
I contacted my credit monitoring company XXXX XXXX XXXX. Working with them we contacted Aagon, connected with a customer rep and was put on hold and then disconnected-this happened twice. I then called at XXXX XXXX, spoke with XXXX who said he had 30 seconds to speak with me then hung up on me as I was explaining the issue. 

The debt is listed for {$85.00} dated XX/XX/XXXX. I have not received any overdue bills or notices from this collection agency before today. I couldnt even find out where this bill was generated from. 

I am concerned that this agency is a scam and its about to significantly impact my interest rate and credit 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 explanation
Consumer complaint received 2021-05-05
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased an investment property with XXXX last XX/XX/XXXX. The servicing is done in MiMutual Mortgage 's website, payment comes my business checking account using XXXX Mortgage 's name in the transaction description and each statement has XXXX Mortgage 's name in every page. 

Their last statement was produced XX/XX/XXXX for payment due XXXX. I have been since XX/XX/XXXX calling them because they don't have my XX/XX/XXXX statement which should have been produced XX/XX/XXXX. In these last 3 weeks they have told they will fax it, they will mail it, they will email it, 2 hours, 2 days, 3 days, etc and while I have spoken to several managers and supervisors because every single promise has never happened so each time I speak to them they apologize for the inconvenience followed by suggesting they can only submit another request. Today is XX/XX/XXXX and I don't have XXXX 's statement either which was supposed to be produced XX/XX/XXXX. 

They have told me they had an issue with statements but we are now 2 full monthly statements not provided and 3 weeks of hearing the same I need a statement for a home purchase and even this does not motivate them to actually provide a statement, I have made all my payments including XX/XX/XXXX one even though I do not have a statement

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
TransUnion REFUSES to answer the question ; What is the definition TransUnion uses for the word Accurate? 

TransUnion has no requirement/need to access my files to answer this question. 

FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: Westlake Services, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have reviewed my credit report for just short of a year and have noticed multiple accounts listed for XXXX XXXX. I have made several attempts with the credit bureaus to get these unverified accounts removed with no success. Each dispute returned that XXXX XXXX verified the debt. I sent a certified letter to XXXX XXXX to investigate the accounts as well as requested the contractual agreement I entered with this company, statements and communication sent to me by this company that could substantiate what was being reported on my credit profile. To date this information has not been supplied and my request ignored. This company entered into bankruptcy during the time in which they state these accounts originated with them. There are multiple discrepancies with these reporting accounts thus the reason for my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax didnt preform a reasonable investigation as required by the Fair Credit Reporting Act on XXXX XXXX XXXX account XXXX. Equifax didnt provide me with the proof documentation I requested proving that I was late on XXXX. 

Equifax have violated the Fair Credit Reporting Act requirements by not reporting the notice of dispute with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Because of a report of fraud committed against me thru XXXX transaction and then having some money been sent to me by family members thru XXXX to help pay for my fathers XXXX treatment after the fraud complaint the bank closed my account and treated me like if I was the criminal

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 2020-05-12
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 recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts that did not belong to me and accounts that were never late. 

There are also two accounts listed below that are reporting late payment history which is incorrect as these accounts have never been late. I need these three accounts listed under ACCOUNTS TO BE AMENDED to never late.

I need these three accounts listed under ACCOUNTS TO BE DELETED to be deleted. 

I have a real estate transaction worth {$250000.00} investment property being held up in escrow due to these negative accounts being reported on my file.

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 2020-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
There is an account on my report from XXXX XXXX XXXX which was close closed over a year ago yet trans union is still reporting it as active. It needs to be removed. There is also information on my report for XXXX XXXX  the house was sold and the account is closed. I respectfully refuse to furnish a social security card as requested or any information that could be used in a fraudulent manner as it has been well documented that these information carries have had issues with data breaches.

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 2022-01-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was scammed, i was trying to buy a puppy and the scammer ask for my information I had XXXX taken out of my account. XX/XX/2021 zelle payment. I calle my Bank and I received response today they will not do nothing I had my account for 11 years and never had this issue. I have reached out to the media.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Experian Information Solutions Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX is showing me a balance when it needs to be removed from my report. They have sent letters supporting the removal but still has it under the one siteXXXX needs to be removed and the other charge off and close the 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 2021-03-05
Company: EQUIFAX, INC.
State: SC
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:
Hello, I sent off my first set of letters but I havent gotten a response yet from the credit bureau its been mored then 30-45 days. Im very concerned! I got my 2nd set of letters in the mail today XXXX Can you please let me know whats going. All 3 credit bureaus haven't sent me no updates its been past time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
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: Account status incorrect

Complaint:
I have a child support agreement with the Texas AG in which I pay support. I have bi-weekly wage garnishments setup via the Texas AG office so I get them their payments ontime, every two weeks, for the last 10 years. Every so often they send incorrect information that I am late in my arranged payments. This is the problem : they made an agreement with me to collect every two weeks, but report ontime status on a monthly basis. This creates months where I am " ahead '' in payments and months I am " behind '' in payment. My complaint is based on the idea that I am fulfilling the arrangement they setup for payment. How can I be reported late for abiding by the payments terms they setup? I have sent multiple disputes to all 3 CRAs XXXX, TransUnion, and XXXX. XXXX  has blocked this incorrect reporting, but XXXX  and Transunion continue to not investigate or actually review the terms, paystubs, and Texas AG records of 100 % on-time payments that I send.

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 2020-08-23
Company: Experian Information Solutions Inc.
State: NY
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 a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2020, my credit card company notified me ( via text notification ) that my credit score had dropped. When I logged in I saw that Transunion showed a hard credit inquiry from the same day for " XXXX XXXX XXXX ''. After trying to find out who that was and determine that it is XXXX XXXX equipment financing in XXXX, I contacted them. After hours of being bounced around I finally spoke to someone who, quite frankly, acted like I was a pain in her side, as opposed to the other way around. I gave her my name, my social, my business XXXX, address, etc. and NOTHING shows up from their end. She said there is no account, application, etc. I spoke with Transunion and they won't do anything because they say that XXXX XXXX XXXX shows a legal right to pull the report. Both point fingers at each other but there is no account, no application ; I have never applied for equipment financing through this company. I need this hard inquiry removed from 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 2020-01-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2020, my credit card company notified me ( via text notification ) that my credit score had dropped. When I logged in I saw that XXXX showed a hard credit inquiry from the same day for " WF Equipfinance msg ''. After trying to find out who that was and determine that it is Wells Fargo equipment financing in XXXX, I contacted them. After hours of being bounced around I finally spoke to someone who, quite frankly, acted like I was a pain in her side, as opposed to the other way around. I gave her my name, my social, my business EIN, address, etc. and NOTHING shows up from their end. She said there is no account, application, etc. I spoke with XXXX and they won't do anything because they say that WF Equipfinance msg shows a legal right to pull the report. Both point fingers at each other but there is no account, no application ; I have never applied for equipment financing through this company. I need this hard inquiry removed from 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 non-monetary relief
Consumer complaint received 2019-03-22
Company: GREAT LAKES
State: MD
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:
On XX/XX/2019, I requested a new payment schedule change from my borrower, Great Lakes. The change was approved, and I entered my new payment schedule. However, after, I noticed that my " paid ahead '' status was now gone. Upon contacting my borrower, I was informed that a change in payment schedule results in a forfeiture of any " paid ahead status. '' Nowhere during the process of requesting this change online was this mentioned. I requested documentation of where I might find such information on two different occasions ; once on XX/XX/XXXX, again on XX/XX/XXXX, and finally on XX/XX/XXXX. Today, on XX/XX/XXXX, I received the following response : Thank you for your patience. 

I apologize for any frustration this may have caused. After review of our website, I too was unable to find any information regarding the paid ahead status during repayment changes. A request has been submitted to update the website to provide more information regarding the effects on your paid ahead status during repayment changes. Thank you for bringing this to our attention! 

To rectify this situation, we have reinstated your previous payment schedule as requested and you can continue to take advantage of your paid ahead status. You are currently paid ahead {$1500.00}. As a reminder your next auto pay withdrawal is scheduled for XX/XX/2019 in the amount of {$260.00}. 

Please note that you can view all of your account details online at any time by using the following steps : Log in to your account at our website, mygreatlakes.org. 

Click on My Accounts in the Navigation Bar at the top of the page. 

Select Account Summary from the drop down-list. 

Click the Account and Loan Details link in the Account Summary section. 

Click on Choose an Account to view the individual account specifics. 

You can also order a full account statement using these steps : Click My Accounts in the Navigation Bar. 

Select Student Loan Obligation Statement from the drop-down list. 

Click Printer-friendly View. 

If you have any outstanding questions or concerns, please do not hesitate to contact us. 

Sincerely, XXXX XXXX XXXX Department Supervisor Great Lakes Educational Loan Services , Inc . 
( XXXX ) XXXX or ( XXXX ) XXXX TTY XXXX Monday Friday XXXX XXXX  XXXX XXXX Central time Though the issue has been rectified- I am concerned as to how this practice has adversely affected other borrowers, and the procedures/ policies Great Lakes has followed in revoking other borrowers ' " paid ahead '' statuses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ocwen has not ceased my PMI and my LTV is at 65 %. I have approached them thru email and they continue to send letters in the mail that state I need an appraisal. I understand the law is at 78 % LTV PMI is automatically to cease. 

My last email states this and I have no choice but to gain protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

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