BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-05
Company: WELLS FARGO & COMPANY
State: VA
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 had a student loan for years with wells fargo, and it just recently in XX/XX/XXXX was transferred to another loan servicer called XXXX " XXXX. '' However, right before this happened, I was on a covid-19 forbearance since mid XXXX, and I called in to initiate it. The Rep explained that I didn't have to worry about payments as long as I was on the forbearance. 

The issue is that I asked in XX/XX/XXXX if there was additional forbearance available to me due to covid hardships, and I was told there was not by the rep at Wells Fargo. They also told that there was nothing they could do because the loan was transferring in the next 2 months. Because of their inability to help me, I could not make my monthly payments for XXXX and XXXX on time. 

But after my loan was transferred to XXXX XXXX, XXXX confirmed that I had forbearance available to me the entire time with wells fargo, and could somehow take advantage of it now that the loan had transferred to XXXX XXXX 

Wells Fargo again has taken advantage of it's clients in hardship, and refused to abide by their own terms and conditions because they didn't want to process a forbearance before a loan was transferred. They lied and said there was nothing they could do, and that I had no forbearance available. XXXX XXXX filed a dispute with wells fargo on my behalf, but as soon as the loan transfer was complete, wells fargo refused to fix their mistake and claimed the student loan department was dissolved except for existing loans not already transferred. 

Due to the negligence, lies, and deception of Wells Fargo 's refusal to process my available forbearance, I have a late payment for XX/XX/XXXX, and XX/XX/XXXX. I want these late payments removed immediately. I haven't had a late payment since XXXX, and had to file Bankruptcy at the beginning of Covid as well. This is seriously hindering my ability to build back my credit, and should have never happened in the first place. It's shameful. 

I was able to use the forbearance time I accrued at wells fargo with XXXX XXXX immediately to backdate and start at a zero balance moving forward. But they said they could not delete wells Fargo 's payments no matter how hard they tried. 

Do you know how bad it looks to go through bankruptcy and still be missing payments while trying to rebuild credit. It's been an uphill battle ever since and should have never happened if wells fargo just did the right thing.

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 2021-11-09
Company: Profit Services Group
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA.

{ Creditor/Collection Agency } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights XXXX I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

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 2022-04-01
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Dear XXXX XXXX XXXX, I am responding to your contact about collecting a debt. You contacted me by [ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in the months of XXXX through XXXX and identified the debt as two charge offs of XXXX and XXXX. I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. Where is the proof that I signed for these cars with my personal signature and ID? I would also like for these two debts to be removed from my report. I did not authorize these cars on my report. 

Thank you for your cooperation. Sincerely, 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 2017-10-07
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:
Good afternoon, My name us XXXX XXXX XXXX, Rest assured I have tried endlessly to get this resoled without getting anyone involved. 

The Equifax credit reporting company keeps reporting a delinquent for an account that I have no knowledge of. under my. I have a derogatory mark for a collections account opened in XX/XX/XXXX..Its from a creditor called XXXX XXXX XXXX XXXX. 

The debt is for XXXX and the debt is now owed by XXXX XXXX XXXX, who has no knowledge of this debt. I have tried to dispute the item on their website and it keeps looping around not completing the dispute. Or I have gotten back emails that the issue is fixed and it has not. No other credit reporting company is reporting me negatively for any dent. I have never been late in any of my payment with any creditor. 

Please assist me in helping me get this item removed my equifax credit file. 

I 'm tryiny got buy a house and this collection debt is preventing from doing so. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Checking my credit then I noticed someone used my information without my consent to call about XXXX XXXX XXXX on the date of XX/XX/2019 XXXX XXXX XXXX XXXX on the date of XX/XX/2019 XXXX XXXX  on the date of XX/XX/2019 XXXX on the date XX/XX/2019 XXXX on the date of XX/XX/2019 XXXX XXXX XXXX on the date of XX/XX/2019 XXXX XXXX on the date of XX/XX/2019 XXXX XXXX XXXX XXXX on the date of XX/XX/2019 XXXX on the date of XX/XX/2019 XXXX XXXX on the date of XX/XX/2019 XXXX  /XXXX on the date of XX/XX/2019 I need these items listed removed off my report its making me look bad as Im tryng to advanced in my life.

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 2017-12-28
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 information incorrect

Complaint:
XX/2015 I voluntarily surrendered my vehicle in question to XXXX XXXX, this is the first thing they are showing incorrectly. Second I was never late on a payment. Third they have sold this account to a collection agency XXXX XXXX XXXX so now XXXX XXXX and XXXX XXXX XXXX are showing on my credit reports. I have disputed this several times through the credit bureau 's and called XXXX XXXX on many occasions to no avail. I 'm not saying its not my account, just one needs to be removed or the other reporting correctly.

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 2019-02-08
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 noticed on my credit report that there's a new claim by XXXX XXXX XXXX XXXX for {$930.00} from a claim by XXXX. The address associated with this debt claim is XXXX XXXX  XXXX XXXX Texas. We have NEVER lived in Texas nor do we ever have XXXX. We live in XXXX CA and use XXXX. I do not know anything about this claim and therefore can not submit any " proof '' as requested by the credit reporting companies : XXXX and Experian. I submitted a request for them to investigate and all they said was that it was accurate without any explanation. I have submitted a dispute to XXXX XXXX but have not heard from them. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Albert Corporation
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Albert ( banking services provided by XXXXXXXX XXXX XXXX  ran the below promotion in XX/XX/2022 and still running. See attached screenshot Albert is offering a referral bonus of {$150.00} to both parties. The person signing up for an account needs to complete the following requirements : Direct Deposit $ XXXX every 30 days for 90 consecutive days Spend $ XXXX on goods or services with the debit card every 30 days for 90 consecutive days. 

I was referred by a friend. Opened an account using his referral link on XXXX and satisfied all the requirements for XXXX, XXXX and XXXX. Now Albert is refusing the {$150.00} bonus saying it did not track. 
I followed all the requirements correctly. If it's a problem with you application and system, why should I get penalized. 

Further, I also referred XXXX XXXX who also satisfied the requirements for 3 months. Albert is refusing to grant me the {$150.00} bonus for referring XXXX too. 

Request Albert ( XXXX XXXX  ) issue me the {$300.00} bonus ( {$150.00} for me opening the account and satisfying the requirements, {$150.00} for referring another person who also satisfied the requirements.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
FRAUD, INCORRECT REPORTING.

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 2022-04-01
Company: MARINER FINANCE, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Spoke with Mariner Financial to help lower the APR to help lower the monthly payment. In returned to pay off more to the principle but they said their APR is based on how much we request. The lower amount we request the higher the APR but even asking for a higher amount not guaranteed a lower APR. the lowest they provide is 18 %. This is not only wrong but unfair to the concurrent with a fair to great credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
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 information incorrect

Complaint:
XXXX XXXX has been charging me a late fee of XXXX per month since XXXX of 2019. They have also ramped up hostile reporting to credit reporting agencies since I'm taking them to court, scheduled for XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: EQUIFAX, INC.
State: TN
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:
I am writing due to non-compliance with Equifax, XXXX XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I provided proof that the XXXX bill, XXXX/XXXX bill and XXXX that is on my credit was paid in full. I provided documentation. MY BK XXXX was denied and therefore the debt was no loner BK protected and I paid all of these debts in full. Yet, XXXX, XXXX and Transunion are still reporting BAD DEBT and Derogatory. I have been fighting for correct information for over a year, and would like these debts to be investigated thoroughly and do not exceed 30 days to correct.

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 2021-11-09
Company: Mr. Cooper Group Inc.
State: ID
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I currently have a loan with Nationstar Mortgage LLC d/b/aMr.Cooper. I am completely current with my monthly mortgage payments but they reported to the credit bureaus that I made my XXXX payment late on XX/XX/XXXX when in fact it was made on time on XX/XX/XXXX and duly posted and credited to my account. 
I am in the process of trying to refinance this loan and when my mortgage broker brought it to my attention today, she said this very much hurt my chances for getting a refinanc Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I was most recently a full time doctoral student at the University XXXX XXXX  at XXXX ( XXXX credit hours ). The school or whoever incorrectly reported or delayed reporting that I was a fulltime student there. This caused loans to become due. When I checked my credit report I noticed XXXX had reported my 10 loans as being delinquent. When I contacted them they verified my enrollment status and said they would fix it. It is taking way to long also it appears that my first request for removing the items of my credit report was not processed ( they told me to expect it removed within 60 day ) or had missing paperwork. I called again and they assured me they would resolve this but had not processed my original request because missing paperwork that they would send me in the mail as soon as possible. They stated once I turn the paperwork in they would remove items off my credit within 3 weeks. My credit report needs to be fixed IMMEDIATELY. I am in tech so many of the jobs I am applying for requires background checks and in some cases an actual security clearance. Because of incorrect reporting it appears that I have 10 loan accounts which are in default. I am restricted in my job search right now until this gets resolved. Employers don't have time to hear an explanation for why I have 10 loans in default. This needs to be fixed immediately so I can move on.

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 2022-04-01
Company: AmeriCollect
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX To Whom It May Concern, I have recently received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities so that I may become a first time home buyer. I noticed several accounts that should not be on my credit report and thus should be deleted. I am not stating theyre accurate or inaccurate, however I am not 100 percent sure if they are. Recently I discovered the Fair Credit Reporting Act where it states by law, I have rights to challenge anything I am not sure is accurate. 

The Creditors who have reported inaccuracies on my credit I have never heard of which positioned me to mail in this letter of concern. I'm sure you are familiar with Article 15 U.S.C. Sec. 1681i ( a ), as it states that if you cant provide proof, these accounts must be deleted. I would like for the inaccurate accounts ( listed on the next page ) to be deleted. If possible can you check on these accounts and get back with me? 

Its imperative that these accounts are removed in order for me to become eligible for home loans. If there is any paperwork that I need to sign to confirm the listed inaccurate accounts are not mine please email me the required documents. 

This is a written dispute of this account per the Fair Credit Reporting Act, the Fair Debt Collection Practices Act and the Fair Credit Billing Act. Please be Aware that I am exercising all of my rights per these laws and all other applicable laws protecting me. 





Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
A follow up to a Closed Complaint XXXX We requested copies of 4 checks drawn on a closed HELOC Access 3 account # XXXX Name on Account XXXX XXXX XXXX XXXX XX/XX/XXXX Truist did mail us copies of 4 checks, but two were not the checks we requested, and we still need the other 2. The person who signed the letter directed us to our local branch if we need more help. We have already been there twice and they are unable to help us. 
They did not leave a phone number or any way to contact them directly. I'm not willing to spend multiple hours on the phone again over this. 

Cleared date Check # Amount XX/XX/XXXX XXXX {$11000.00} XX/XX/XXXX XXXX {$4100.00}

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 2022-04-01
Company: CL Holdings LLC
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX To Whom It May Concern, I have recently received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities so that I may become a first time home buyer. I noticed several accounts that should not be on my credit report and thus should be deleted. I am not stating theyre accurate or inaccurate, however I am not 100 percent sure if they are. Recently I discovered the Fair Credit Reporting Act where it states by law, I have rights to challenge anything I am not sure is accurate. 

The Creditors who have reported inaccuracies on my credit I have never heard of which positioned me to mail in this letter of concern. I'm sure you are familiar with Article 15 U.S.C. Sec. 1681i ( a ), as it states that if you cant provide proof, these accounts must be deleted. I would like for the inaccurate accounts ( listed on the next page ) to be deleted. If possible can you check on these accounts and get back with me? 

Its imperative that these accounts are removed in order for me to become eligible for home loans. If there is any paperwork that I need to sign to confirm the listed inaccurate accounts are not mine please email me the required documents. 

This is a written dispute of this account per the Fair Credit Reporting Act, the Fair Debt Collection Practices Act and the Fair Credit Billing Act. Please be Aware that I am exercising all of my rights per these laws and all other applicable laws protecting me. 





Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: United Collection Bureau, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got a bill for my son for his XXXX  stay. It originally was {$940.00}. I called to pay it in full and on XX/XX/21 I paid {$940.00} and I was told it would be paid in full and would owe no more money. I then get another statement saying I owed an additional {$1800.00}. I have the original statement showing the total due was {$940.00}. Then a new one showing I still owed {$1800.00}. Makes no sense. I had 3-4 statements of the total bein {$940.00} so why the sudden jump? The hospital refused to work on it with me, the supervisor said he would send it through insurance and would call me back and he never followed up unless I called. We got no where and they sent the additional {$1800.00} I should not owe to collections. I have the statements. They claim they dont see the original {$940.00} statement but I have it. This is illegal.

Company response to consumer: Closed with explanation