BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-20
Company: WELLS FARGO & COMPANY
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
My loan was placed in deferment in XX/XX/XXXX, and will come out of deferment XX/XX/XXXX. Today is XX/XX/XXXX, and Wells Fargo has been calling me ( I have not answered ) and my dad, the co signer, harassing us about the loan. It's not due. My account says I currently owe {$0.00}. This has been going on my entire time of having this loan with them, since XXXX, and I am tired of it. I was in school from XXXX until now. In the past I have spoken to them about the harassment and today I sent them another message to stop calling unless the loan is actually due.

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 2019-05-31
Company: John C. Heath, Attorney at Law, PLLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I told them i would give them my bank information when i needed to make a payment. They said that would not work and they needed to keep my bank information on file so they can charge it when they needed too. Im nlt comfortable with that and would just go through another credit repair company but it seems they have some sort of monopoly with the credit companies and an unfair advantage which is why i am filling this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I received a notice from XXXX XXXX asking if I had closed my Discover credit card account. Since my daughter was graduating from the XXXX XXXX XX/XX/XXXX to XXXX, I logged in to my Discover account online and everything appeared fine. Today, I decided to call Discover to make sure that everything is okay. The representative that I spoke with confirmed that my account was indeed closed and that a letter was mailed to me on XX/XX/XXXX asking me to do something to avoid closure of my account. I never received this letter. When I asked how this can be resolved, I was told that I needed to reapply for the card. 

1. Why didn't Discover send an email and/or text to follow-up? 
2. Why am I still able to log into my account which appears fully active and states nowhere that it is closed? 
XXXX. Why should I have to reapply for a card and put a hard inquiry on my credit score for poor customer service? 

I have this card for my daughter to use in cases of emergency. I am not happy and my account is in excellent standing with Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX/XXXX  XXXX Balance : {$4600.00} XXXX XXXX Balance : {$89.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$350.00} XXXX XXXX Balance : {$220.00}

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

Complaint:
I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 2021-07-09
Company: Phoenix Financial Services LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Phoenix Financial service on XXXX XXXX NY, NY says that I have a derogatory account with them for {$460.00} and theyre a debt collection agency. I was told that it was for a XXXX XXXX XXXX XXXX in XXXX, GA for an ER visit XX/XX/2016. I didnt recall and called the hospital myself and the operator told me that there was no record of me in the system. This derogatory account is affecting my credit negatively. After the call to the hospital, I called Phoenix Financial Service back and no one would stay on the line and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: TN
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: SYNCHRONY FINANCIAL
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 information from a internet monitoring service fraudulent accounts was open, misspelling on my name and wrong addresses.

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 2020-06-02
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am complaining because my current credit company is holding my received payment for 7 business days claiming that they need this time to validate that my payments will not be rejected by my bank eventhough the money has already been withdrawn from bank the next day. I never had a situation like that before and put me at a disadvantage. I was never late and I been a member for more than 5 years. 


Here is the explanation that I have received from the customer sevices. 

Thank you for contacting us about your XXXXX Airlines XXXX XXXX Mastercard. 

Wed like to inform you that an available credit hold is placed on an account as an authorization for the payment amount. The available credit may not be released immediately since the delay allows us to confirm the payment funds have cleared. Please know that we may delay increasing the available credit due to the fact that payments are not guaranteed, as they can be recalled by your bank. 

When this occurs, the available credit is held for 7 business days and released as of XXXX XXXX  ET on the next business day, as long as the next business day is not a holiday. Our records indicate the payment information is as follows : Payment Amount : $ XXXXX Payment Received : XX/XX/2020 Release Date : XX/XX/2020 Funds Available : XX/XX/2020 We apologize for any inconvenience this may cause ; however, were unable to release the available credit hold at this time. Since payments can be returned or recalled by your bank for up to 7 days, we generally place this type of hold until the payment is completely processed and the funds are guaranteed. Please know that your credit will be made available to you, after the hold has been removed. 

If you have any other questions or concerns, please reply to this message. 

Sincerely, Customer Care

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 2019-05-31
Company: EQUIFAX, INC.
State: MI
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 a fraudulent hard credit inquiry on my equifax credit report that needs to be removed. It is listed as : " XXXX XXXX-XXXX XXXX XXXX XXXX XXXX, FL '' I do not, and have never, had any XXXX services, I am not anywhere near florida or ohio, and I did not at any time authorise a credit check by XXXX. I am unable to contact XXXX, there is no phone number listed on the report. I contacted equifax, but I was told to contact XXXX and dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: Midwest Recovery Systems
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I really ca n't tell anything but I get call for from some company said that I old them money.well for one stop trying to mess up my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Experian Information Solutions Inc.
State: SC
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 sixth 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$1200.00} XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$5500.00} ( Original Creditor XXXX XXXX XXXX Balance XXXX {$80.00} ( Original Creditor : ) XXXXBalance : {$650.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX Balance XXXX {$10000.00} XXXX XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5500.00}

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 2019-05-31
Company: Nelnet, Inc.
State: CA
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 attempted to make a payment of {$9300.00} on XX/XX/XXXX to my XXXX student loan servicer, NelNet. I received a confirmation that this payment went through on XX/XX/XXXX. In addition to paying them this sum, I have an automatic payment set-up for {$250.00} monthly. Due to their electronic confirmation of my payment, I believed that I my outstanding balance would have been {$920.00}, then subtracting my automatic payment would have been {$670.00} Nelnet is claiming that this payment was posted to my account ( XXXX XXXX XXXX ) but then they got an electronic message from XXXX that " no bank account/ unable to locate account '' - despite me having used this bank account to make payments to this account as recently as of XXXX of last year. On XX/XX/XXXX I made a successful payment {$5000.00} using this exact same bank account. 

Nelnet put a notice on my account that it is past due, despite my good faith efforts to make payments of {$9300.00} on XX/XX/XXXX and an additional {$250.00} on XX/XX/XXXX. I should only owe {$670.00} as of today, and due to the errors of NelNet or XXXX I now owe ( after re-attempting to make a payment of {$9300.00} today ) {$760.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XX/XX/2021 RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 

DEPT OF ED/XXXX  - XXXX XXXX DEPT OF ED/XXXX  - XXXX XXXX DEPT OF ED/XXXX  - XXXX XXXX DEPT OF ED/XXXX  - XXXX XXXX DEPT OF ED/XXXX  - XXXX XXXX DEPT OF ED/XXXX  - XXXX XXXX DEPT OF ED/XXXX  - XXXX XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I got a letter in the mail from WellsFargo in XX/XX/XXXX stating that my mortgage payment was going to go up because my account was short {$2200.00} they said that it was due to my taxes and insurance going up which didn't make any sense. I Immediately started talking to them, to XXXX Insurance company for doubling my insurance premium without consent AND to the XXXX XXXX County assessor 's office so I thought this issue was resolved as of XX/XX/XXXX. The assessor stated that my taxes would increase annually at a rate of 2 % which in this year translated to {$19.00} and the insurance situation with XXXX was resolved by cancelling their services and going with another provider. In XXXX I got another statement from WellsFargo stating that my escrow account was short {$730.00} and yet another statement dated XX/XX/XXXX stating that my payment had gone from {$760.00} from previous years to {$1900.00} due in the month of XXXX WHICH I CAN NOT AFFORD!!!!! AND THIS IS A FIXED LOAN!!! I tried on XX/XX/XXXX to fix the problem again and they told me that I had to call the 1st insurance provider ( XXXX ) to get a refund because they had paid my new insurance company and the old insurance company which created the deficiency!!!! I NEED ASSISTANCE WITH THIS MATTER IN INVESTIGATING WHY THEIR ESCROW DEPARTMENT IS DOING THIS. I had cancelled the initial premium with the insurance department in their institution and with XXXX in XXXX WHY WOULD THEY turn around and pay them!!! I HAVE OWNED THIS HOME SINCE XXXX AND HAD NEVER HAD A PROBLEM LIKE THIS UNTIL WELLSFARGO TOOK OVER.

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 2023-03-23
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: Information belongs to someone else

Complaint:
My father is XXXX XXXX XXXX My name is XXXX XXXX XXXX That account is under my fathers name and I never co signed for the car. My father is deceased now. I am not responsible because I have 2 vehicles I own and never drove the vehicle he had.

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 2018-11-20
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 disputed the late payments on XXXX XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX XXXX for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2020-01-30
Company: EQUIFAX, INC.
State: AR
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 been a victim of identity theft. I've been receiving bills in the mail for a couple of years now and just never payed much attention to them. My credit report recently got pulled and I wish I would of found out sooner of the outrageous amount of accounts that have been open under my social security number. Please remove all these accounts from my report. 

XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX   XXXX {$420.00} XXXX XXXX  XXXX {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I Obtained a conventional loan from Citizens Bank where escrow was not an option. Discovered after the loan closed, I was incorrectly charged private mortgage insurance ( PMI ). I received instructions from Citizens on XX/XX/XXXX with conditions for PMI cancellation. Requested PMI policy cancellation and refund of money paid/escrowed on XX/XX/XXXX explaining I was charged PMI in error. Further explained I qualify for cancellation based on criteria Citizens sent under Option 2 : " if your loan is less than 2 years old the principal balance must be 80 % based on current appraisal '' My current appraisal that the bank utilized to secure the loan is {$150000.00} my loan amount is XXXX therefore my loan to value is under the 80 % threshold and I should not have been charged the PMI under Citizens own guidelines, I provided copy of all supporting documentation. My request to cancel PMI was unfairly denied with inadequate explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2019-09-04
Company: Experian Information Solutions Inc.
State: TN
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 ID THEFT. I SENT IN THE ID THEFT AFFIDAVIT AND PLOICE REPORT AS I WAS INSTRUCTED WHEN I WAS CONSULTED THE FTC. IT HAS BEEN OVER 2 MONTHS AND EXPERIAN CONTINUES TO REPORT THESE FRAUDULENT ACCOUNTS IN VOLATION TO THE FCRA LAWS. I WOULD LOVE FOR EXPERIAN TO COMPLY AND CEASE TO REPORT ACCOUNTS ON MY PROFILE THAT WERE OPEN BY THE THEFT AND NOT ME.

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 2021-04-28
Company: Marauder Corporation
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: Old information reappears or never goes away

Complaint:
There are two collections listed with Collection Professional back from 2016, I was told since I paid these that they would be removed off of my credit file I even paid not even knowing I owed these because I have health care insurance. The information is still listed. 

Collection Professional # XXXX Collection Professionals # XXXX

Company response to consumer: Untimely response