BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-30
Company: Long & Foster Financial Services, 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:
This complaint against below Prosperity Home Mortgage LLC run my credit without authorization and left a hard inquiry so i filed fraud alert and claim all creditors run without my authorization to remove hard inquiry due to impact my credit XXXX was able to locate the following inquiries in our systems. 
XX/XX/2018 Prosperity Home Mortgage LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: EQUIFAX, 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:
I have completed several disputes to Equifax, XXXX XXXX XXXX on XXXX XXXX and XXXX XXXX due to inaccuracies on my credit reports but they all failed to respond to my request. They didnt investigate nor send me any correspondence via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
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 checked my credit report, some information is not mine. The following accounts and inquiries contain inaccurate information. Please investigate and verify the following information. If these accounts can not be verified please delete the derogatory remarks 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 2018-05-04
Company: AES/PHEAA
State: NC
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:
To Whom It May Concern : My loans, which were initially with servicer XXXX, were set for repayment in XX/XX/XXXX. I signed up for an income base repayment option at this time ( I was in XXXX  ). In XX/XX/XXXX I entered into a Public Service Loan forgiveness program and my loans were transferred to XXXX XXXX. This company was suppose to back track my qualifying payments and count them toward my forgiveness ( The XXXX that I was working at was non-profit and qualified ). Unfortunately, this was never done. I called several times and submitted several complaints. They state they have my file and it is in the process of review. They state ; however, that there is no one who reviews these cases. They can not direct me to a manager or reviewer. They acknowledge over the phone that these months should count, but have failed to correct my qualifying payment number. This has been ongoing for 9 months. I would like the months of XX/XX/XXXX-XX/XX/XXXX to count toward my total number of qualifying payments under PSLF. 

Thank you for your time, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-07
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH
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:
Carrington Mortgage Service consistently will report my loan delinquent 60  days even when my loan is current. My XXXX and XXXX payment was received on XX/XX/XXXX, however, as of XX/XX/XXXX my credit report still shows as 60  days past due. I am current on my mortgage, however, Carrington continues to report my mortgage a past due which is currently affecting my credit rating and making it very hard to improve my credit score and obtain credit. I have used XXXX XXXX and XXXX XXXX offered via XXXX XXXX to monitor my XXXX and XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: WELLS FARGO & COMPANY
State: PA
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 have a loan with WELLS FARGO BANK, XXXX XXXX, XXXX XXXX XXXX XXXX IN, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX XXXX XXXX, WELLS FARGO BANK, XXXX XXXX XXXX XXXX IN, and XXXX XXXX with no successful resolution. There was definitely an error on their part.

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 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-03-29
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. has violated my rights. 

15 U.S.C 1681 Section 602A. 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 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 2021-05-28
Company: EQUIFAX, 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:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: ROBINHOOD MARKETS INC.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am using the Robinhood app and was trying to purchase some more XXXX stock. I dropped {$100.00} on that yesterday and saw the prices were lower so I wanted to purchase some more today. When I logged in, I discovered that they are only allowing the sale of XXXX and NOT the PURCHASE of XXXX. This is absurd to me and seems like price fixing or market manipulation at the least. I find this woefully unacceptable and feel I have been scammed into a loosing position now by Robinhood.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I recievd a copy of my consumer report with the intentions to improve my credit and noticed a account that i want a little more explanation on im not saying it is reporting rite or wrong im just not 100 % sure if it is. I also read somthing called the Fair Credit Reporting Act where it give me the rights to challenge anything i am not sure is 100 % accurate. In 15USC it states if you caint provide proof this account must be deleted. Well i want this account deleted if it is not reporting 100 % accuate. I heard by law you have 30 days to investigate this dispute. 

XXXXXXXX XXXX XXXX XXXXXXXX Please investigate this account and remove if theres anything missing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Trans Union continues to claim the collection account below is accurate when it was paid off, and agreed upon by the collector to be removed from my credit. Please see the attached letter for proof of payment. 

Account Details : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : 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 2018-10-02
Company: ERC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I CHECK MY CREDIT TO SEE THAT THEIR WAS A COLLECTION ON MY CREDIT REPORT FROM XXXX.IN THE AMOUNT OF {$420.00} I IMMEDIATELY DISPUTED IT DUE TO IT BEING OPEN BY FRAUD..AFTER I RECEIVED A LETTER FROM XXXX XXXX XXXX STATING THEIR OFFICE WAS IN RECIEPT OF MY DISPUTE AND WAS SENDING A VALIDATION WITCH WAS NOTHING BUT BILL WITH MY NAME ON IT ... THIS WAS NOT A CORRECT VALIDATION

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am on a repayment plan income driven and my payments are {$0.00}. On my credit report my score keeps dropping because Navient keeps reporting my balance increase. I contacted Navient and they keep telling me they are not reporting and there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I wrote a dispute letter to Experian credit bureau, asking for verification of a XXXX XXXX account thats being reported on my Experian credit report per 609. Disclosures to consumers [ 15 U.S.C. 1681g ]. ( Verification Letter Attached ) The verification letter was sent certified mail and was received on XX/XX/XXXX by Experian. ( Delivery certification letter confirmation attacked ).

On XX/XX/XXXX I received a letter stating that Experian investigation was complete. After reviewing the report, Experian stated that Outcome : Remains - The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. ( Experian report page 1 and 2 attached ) After reviewing my report, I did my own investigation and placed a call to XXXX XXXX to see if they had any information on me for this account. On XX/XX/XXXX I placed a call to XXXX around XXXX XXXX and spoke with a representative name XXXX ( AKA ) no employee number was given. He indicated that they have no information on this account, because they sold it to a third party on XX/XX/XXXX. 

After placing the call to XXXX XXXX, I knew that Experian was in clear violation of the FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ]. I am very concerned about the validity and accuracy of Experian investigation, as this inaccurate item remains on my credit report, which is a clear violation of the FCRA. If Experian had investigated properly, rather than using a XXXX XXXX, they would have known, that this account does not exist per XXXX XXXX, but Experian claims to have verified this account was accurate. 

It is at this time that I will point out that in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain the reasons for my dispute is not reasonable.

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 2021-05-28
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a direct deposit from my job on the XXXX of XX/XX/2021 my bank stole my whole paycheck and said they did so because I didnt have funds in my account for 5 XXXX XXXX Transaction and a XXXX XXXX meal i they also claimed that my cell phone payment didnt clear either all of it was a lie I had an estimate of XXXX in my account when my payment was made for the cellphone bill which was immediately debited from my account I called XXXX they also said that money was immediately debited Wells Fargo was very rude and when I told them and said well Im only returning the over draft fee when they were caught in the lie also the lie about my XXXX XXXX stating that there was no money in my account and told me to call XXXX XXXX  so I called XXXX XXXX on XX/XX/2021 and the agent told me that this is shocking that my bank did this the agent also stated that XXXX XXXX is immediately debited from your account they dont use 2day hold the money is immediately debited from my checking account and if there is no funds in the account it will be declined for XXXX XXXX the agent at XXXX stated the money is instantly sent to the recipient like exchanging cash from hand to hand she also stated that if the account do not have the funds the sender is sending from checking account it will not go through even if I have overdraft protection it wont go through which I do not and never had over draft protection on my account if funds are not in the account then I can not make purchases of any kind on XXXX transactions restaurants stores or no where but well Fargo will still use treachery bank practices to steal money out of my account Im a XXXX worker my daughter contacted XXXX at the worst time in my life my bank Wells Fargo decided to ruin my life not only have I been out of work taking care of my sick child but they stole my last paycheck I received after being out of work taking care of my daughter with XXXX I could not buy disinfect products and they caused me to be stranded at my kids doctors office because they decided to steal all of my money after I booked a XXXX  ride to my doctors office for my daughter XXXX appointment Im disgusted with the cold and callous actions of this bank Wells Fargo and its not the first time I want to file a complaint and a law suit against this bank

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 2023-05-05
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The following collection companies ( companies names ) XXXXXXXX XXXXXXXX XXXX XXXX  have inaccuracies on my report. Ive stated several times to them it wasnt me and for validation not a bill stating whats owed. Theyre breaking the fcra with the reporting. This has caused great harm to me which I know can be up to {$1500.00} per inaccuracies.

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 2023-01-09
Company: Experian Information Solutions Inc.
State: IL
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:
Hello my name is XXXX XXXX. I am a private personal consumer submitting a complaint concerning me being a victim of identity theft. My personal non public information was shared by XXXX, Experian, and XXXX, without my full disclosure or written consent. My personal right to privacy has been abused and violated under the Gramm Leach Bliley act of 1999. These violations have compromise my non public personal information and resulted in my identity theft. I demand all accounts listed below be removed in next 6 business days as stated under lawXXXX 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 2019-06-06
Company: Renton Collections Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/XXXX, I visited XXXX Hospital in XXXX, WA. Following the visit, I was billed directly by XXXX and handled payments accordingly. 

In XX/XX/XXXX, I was notified that Renton Collections had entered derogatory information on my credit report for an unpaid account referred to it by XXXX XXXX XXXX ( XXXX ), which I had never heard of. After some research I learned that patients discharged from XXXX Hospital are billed by XXXX as well as a separate company representing some of its doctors. 

I have never received any bill from XXXX nor any notice or correspondence of any kind from Renton Collections. I had no chance whatsoever to pay this account before it went delinquent because I didnt know it existed. 

Following my hospital visit I moved out of state at which point I promptly updated my billing address with XXXX, which began mailing its bills to the new address accordingly. Even at that point before moving I never received any other medical bill ( other than for an ambulance ) at all. 

Apparently XXXX and Renton Collections both have a history of doing this, giving patients no notice before referring debts. After this went onto my credit report in XX/XX/XXXX, I called XXXX to request this account be recalled from Renton Collections because I had received no notice. As of XX/XX/XXXX, the account remains on my credit report ( and still I have received no correspondence from either company ). I followed up with both companies ; XXXX indicated it would refuse to recall the account, and Renton Collections declined to remove the account from my credit report even if it were paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a notice in my email on XX/XX/2023 that someone had applied for a XXXX XXXX XXXX XXXX Credit Card. I did not apply for this card!!!! I Called and talked to XXXX at our local Bank Of America today XX/XX/2023 at XXXXXXXX XXXX he said to contact the credit bureau and they would remove the hard inquiry. I contacted XXXX directly afterward on XX/XX/2023 at XXXXXXXX XXXX  and they said they would remove the hard inquiry in XXXX hours. But they said they DO NOT contact and WILL NOT contact Bank of America. I placed a credit freeze on my account and informed them I had a police report from XXXX where someone had tried to open 2 bank accounts and cards in my name.

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 2023-01-18
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
XXXX statement shows {$99.00} late fee, not a late fee. Its an annual maintenance fee and not late. 
XXXX XXXX refused payment from my XXXX XXXX  online banking for the {$99.00}. They accepted the regular monthly payment as usual XX/XX/18 received notice from XXXX XXXX  it was refused. XXXX  could not find record of refusal Now they can make it look like a late fee if they keep refusing the payment

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