BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-27
Company: Experian Information Solutions Inc.
State: NJ
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:
My Student loans have been forgiven, but they show as in default and my credit score is in the 500 's. I was told my credit score would go up once they were forgiven but they are still showing on my credit report as " delinquent '' or " default '' and I am trying to obtain a mortgage and currently can not because of it.

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 2022-12-12
Company: Experian Information Solutions Inc.
State: NJ
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 writing to you to delete the following information in my file.The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission 's identity theft affidavit.please delete the items as soon as possible.

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 2017-09-05
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: Account status incorrect

Complaint:
please find attached the creditor letter for which they have approved to remove the fraud account from my credit report, i have already submitted this letter to both experian and XXXX, but still they have not removed this account except XXXX. 
experian needs to remove right away instead of disputing this account. 
thank you for your cooperation

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
They closed my account without me knowing

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 2021-10-08
Company: Experian Information Solutions Inc.
State: DC
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 wrote letters to have the alleged debt validated and it was not validated within 30 days Then, I demanded that the inaccurate reporting 's be removed from my account and they were not. In fact, the consumer reporting agency did not delete the accounts but instead reopened them and attempted to recollect. Accounts provided below : Accounts : Date Opened : Alleged Debt : US DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX XXXX DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX XXXX DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX XXXX DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX US DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX US DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX XXXX DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX XXXX DEPARTMENT OF EDUCATION XX/XX/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 non-monetary relief
Consumer complaint received 2019-07-19
Company: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
In XXXX l purchase property price was XXXX and I'm refinance in XXXX property mortgage XXXX XXXX XXXX home equity assets trust  9.25 % with baloon payment former ocwen loan services  Second mortgage Adjustalble Rate Rider baloon rider XXXX XXXX XXXX XXXX pass through to XXXX XXXX XXXX pay off is In XXXX forclose start and property is scheduled for scherff action erly next week Property has 2 city lot 7000 sf and 600 sf and only 1 lot was recorded and scheduled for auction 7000sf

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My Student loans have been forgiven, but they show as in default and my credit score is in the 500 's. I was told my credit score would go up once they were forgiven but they are still showing on my credit report as " delinquent '' or " default '' and I am trying to obtain a mortgage and currently can not because of it.

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 2022-09-02
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have tried to resolve the property tax exemption with this company for months. 

Submitted letter from county on XX/XX/XXXX stating Im exempt from property tax Submitted corrected tax bill that reflected the months I closed on the property XXXX XXXX. The bill reflected the last two months being tax exempt for the tax bill in XXXX ( for XXXX taxes ) XX/XX/XXXX - I had the county assessor ( XXXX XXXX ) on the phone with XXXX ( escalation team ) and he couldnt be any more clear that I was exempt from property taxes. Please review the recording. 
I was told I would have resolution in 3-5 days. I followed up on XX/XX/XXXX and they said this was sent to their executive team for review. 
I called on XX/XX/XXXX and they said it was still with the executive team. 
I called this morning and loan care said the executive team doesnt review this. 
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 2017-10-17
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:
Accounts do not belong to me. 

Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX} Account # XXXX XXXX XXXX XXXX Account # 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 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. - XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX ),, XXXX XXXXXXXX XXXX XXXX XXXXXXXX ), XXXXXXXX XXXX ( XXXX ), XXXXXXXX XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ) XXXX XXXXXXXX XXXX  ( XXXX ), XXXXXXXX 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 2018-10-04
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been sending echecks to XXXX for years, on time. I was contacted on XX/XX/18 by phone stating my XXXX payment wasn't received. Even though at the time, and still am recovering from XXXX, I called the number for their customer service. I spoke with someone and told them about my XXXX and was baffled why this was happening. Nothing had changed and I had writing and verbal confirmation from the paying bank that the payment was received. I also just sent a photo shot of confirmation of payment received directly from XXXX. They continued to harass me even after I sent them proof from my bank that payment was received. They told me my credit score was going to change. Also, on my first call, the customer service representative wanted all my banking information?? When I called my bank they told me that the representative should never have asked for that information. I believe since my payments were always on time and this was a zero percent interest account, they are trying to get late fees and raise my interest to get the interest they getting get because my payments were always on time. I have it set up as echecks from my bank. 
At this point in time, they continue to harass me saying my next payment wasn't received again! I have proof that it was. 
I would like this situation immediately remedied so I can transfer my balance to a reputable company! 

Thank you

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-09-02
Company: NCP Holdings, L.P.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I initiated a refinance on a loan XX/XX/XXXX. I was approved for {$2600.00} to pay off {$1000.00} balance and to obtain {$1500.00} in my account the following day. On XX/XX/XXXX, the funds were not in my account. I contacted QuickCredit and the representative informed me that I selected the option to receive funds by mail. I informed the representative of my emergent situation and asked if I could change the method of payment to direct deposit. The representative could not change due to the " binding contract ''. However, I was ensured that the funds were mailed on XX/XX/XXXX and that it would take 7 - 10 days to receive. By XX/XX/XXXX, I still hadn't received the check/money order. I call QuickCredit again and explained my situation from the beginning ( as mentioned above ). The representative stated she was going to investigate and track the check/money order and email me back no later than 4 hours. After 4 hours, I did not receive an email but did receive a call regarding a missed payment. When I returned the call, I again explained to the representative my issue and that I will not be making a payment since I have not received the funds. The representative at this point claimed she could see the notes regarding the investigation/tracking of the money order and that it would take 48 hours for a resolution. A few hours later, I received an email from the representative I spoke with earlier that day on XX/XX/XXXX. The email indicated the money order was actually mailed out on XX/XX/XXXX not XX/XX/XXXX. No other explanation provided. In disbelieve and frustration, I called the company again after receiving the email and demanded that I receive the funds via direct deposit. The representative stated that could not be since the check has already been mailed and to allow 7 - 10 days to receive the funds. On XX/XX/XXXX, I called QuickCredit to inform them I have yet to receive the funds in the mail. The representative placed me on hold to investigate and stated the money order was mailed out on XX/XX/XXXX not XX/XX/XXXX and to allow 7 - 10 business days. At this point, I may be getting the runaround and need assistance. The company has marked me with two late payment. So instead of owing XXXX I owe XXXX for funds I haven't received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My friend, a man without means, was born in XX/XX/XXXX. He lost his common law wife recently. He has gone XXXX recently. I have given him over {$10000.00} and his friend {$5000.00} on my friend 's recommendation. All the money is lost. To speed up delivery of emergency cash I added myself to his Wells Fargo checking account last XXXX. I can no longer support my friend. I asked Wells Fargo to remove my name from the joint checking account. Unless my friend appears with me at the bank branch, corporate policy states there is nothing they can do. Having him appear with me is an undue burden on him and on me. Today ( XX/XX/XXXX ) I paid the overdraft balance {$68.00} including a punishment fee of {$35.00} that was authorized at the ATM by a third party, probably with the acquiescence of my friend but without my permission. The account balance is today {$0.00}. I conversed with employees including the branch manager at the XXXX, MD, branch. I conversed telephonically with three employees of Wells Fargo. XXXX, in the executive offices, was very accommodating. She submitted a complaint to the direct reports of XXXX XXXX XXXX, the CEO.  Nothing heard back so far. I want to divorce myself from the joint account without closing the account. This would return the account to the state that it was in on XX/XX/XXXX. All it would take is a special exception authorized by top managers. My friend is very sick.

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 2023-07-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I do not recognize any of the following hard inquires and I'm asking that they be removed : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
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:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02
Company: FISERV INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Stolen checks resulting in check fraud.

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 2018-10-15
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 information incorrect

Complaint:
i have reach out to transunion as well as XXXX concerning the negative items effecting my credit report since i filed first on XX/XX/2018 and next on XX/XX/2018, and they have not responded and has violated the FCRA by not doing so within 30 days.

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 2023-06-13
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:
Ive been trying to dispute several times on these accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$270.00}, XXXX XXXX Balance : {$990.00}, XXXX XXXX Balance : {$480.00}, XXXX XXXXXXXX Balance : {$660.00}, XXXX XXXX Balance : {$200.00}, XXXX XXXX Balance : {$180.00}

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 non-monetary relief
Consumer complaint received 2019-07-19
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
ive noticed several unauthorized inquiries on my credit profile section 609 of the fcra states that all inquiries should have written approval of the applicant also section 1681 of the united states code states its illegal to inquire without written authorization these companies are conducting an illegal practice and are subject to suit if these items are not removed immeadiately

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 2020-12-13
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I HAVE DISPUTED THESE ACCOUNTS OUTSIDE OF THE CFPB AND HAVE YET TO GET FEED BACK ON REMOVING THESE ACCOUNTS THAT DO NOT BE LONG TO 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 2017-06-27
Company: EQUIFAX, 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:
I have written several letters to XXXX Equifax and XXXX about multiple inquiries on my credit profile that were not authorized by me. The dates on which I submitted those letters are XXXX and XXXX/XXXX/XXXX. I have not received a response and the unauthorized inquiries are still appearing on my credit profile. I am looking into purchasing a home soon and the inquiries are affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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