BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Beginning on XX/XX/XXXX we requested a Pay Off amount for a commercial loan with Wells Fargo as we are attempting to refinance with a different bank. After a few days we received an email from Wells Fargo from XXXX requesting that fill out a form to request the information we needed. We did so on Monday, XXXX XXXX. We have not gotten any response from anyone and can not find anyone to speak with us about this matter. Anyone we speak to wants to pass us off to someone else. We tried dealing with a local branch and were told they could not help with this matter and we would need to talk to someone in commercial banking.

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 2023-10-14
Company: OneMain Finance Corporation
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/2021 I called one main financial and spoke to XXXX in the fraud department because a credit card came to my home that I did not order. That week I was getting multiple letters from creditors saying they were unable to verify I was applying for loans therefore I knew I had been the victim of identity theft and they closed the account and the very next day they opened a line of credit in my name for XXXX. It was done online and e-signed and they did not verify my identity. They sent the check to a Post Office box and they did not verify my phone number. There was a different address and 2 different phone numbers provided that did not belong to me. They are now suing me for {$12000.00} because I did not pay the loan. I have been trying to work with them for 2 years. I have filed 3 identity theft reports and I also filed an incident report with the police department. They did not want to do a police report because they do not know who the perpetrator is. I did everything they asked me to and this is now going to trial. They also reported me as being in default to all 3 credit bureaus the credit Bureau removed the incorrect information including the address and phone number but my report is still affected due to the default.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-01
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:
THE DISPUTED ACCOUNT DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. PLEASE INVESTIGATE THIS MATTER AND HAVE MY CREDIT REPORTING ITS ACCURACY. THIS ACCOUNT HAS BEEN OPEN FRAUDUTLENTY AND I WOULD LIKE TO HAVE IT OFF MY CREDIT FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: SCA Collections, Inc.
State: NC
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:
Im a XXXX veteran. Before i got my V.A. XXXX I went to civilian doctors for my XXXX XXXX  XXXX, all of my medical charges were put into collection. It has hurt my credit score severely,

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 2023-03-14
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Nelnet is reporting incorrect payment history on my credit reports. My account was not late and has been in a deferment/ forbearance status. Upon being approved the agent said this would re-age the account and my payment history would not be impacted. 

However to my surprise Nelnet is reporting all my accounts with late payments. XXXX reporting 4 accounts with 3 late payments each. XXXX reporting 4 accounts with 5 late payments each. XXXX reporting 4 accounts with 5 late payments. However the account shows current in XXXX and 90 days past due in XXXX, 120 days past due in XXXX, XXXX, XXXX, XXXX and current in XXXX. This is clearly incorrect as you cant go from current to 90 days past due to 4 months at 120 days late. 

I have attached a picture from XXXX and XXXX showing the same account reported late at different times. the information must match or be removed as incorrect & false information. 

Account number : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: PROFICIO FINANCIAL SERVICES, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have received a couple phone calls from a company named Proficio Financial services regarding a debt of {$500.00}, plus some additional fees. I am currently out of town, and intend to request proof of the validity of this debt as I have no record of owing this amount, nor does it show on my credit report. 

Today, XX/XX/2018, I received a call from them at XXXX but was unable to answer at that time. They then called again at XXXX and the representative claimed to know my grandmother, including using her correct name, and said they would call her to see if we were related, or I could return their call. 

I sent an email through their contact us page on their website stating that I will not be taking any of their calls at this point, all contact with me must be done by email, and that I am filing a complaint regarding their actions.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed incrrect informations and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 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 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed incrrect informations and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 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 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In accordance with the fair credit reporting Everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, balance owed is reported but it is showing as a closed account, and date reported is not accurate. Some account don't even show a closed date!! This is grounds for removal, they also violated my rights under 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. 

Also the credit bureau took more then 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX- XXXX # XXXX XXXX XXXX XXXX XXXX - Trasunion # XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-02-24
Company: Experian Information Solutions Inc.
State: FL
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX 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 2020-01-17
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13
Company: Maximus Education, LLC dba Aidvantage
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I applied for the SAVE program on XX/XX/XXXX. 
On XX/XX/XXXX, I was told that I needed to provide proof of income even though I had already granted permission to use my tax returns. On XX/XX/XXXX, I was given notice that my payments would not change, even though my income qualifies me for a {$0.00} payment. Please note that my wife, using the same financial info, was accepted into the SAVE repayment plan before the end of XXXX. 
It is now XX/XX/XXXX, and my application is still pending. I have spoken to multiple customer service representatives. They each give me different timelines for approval ( 1 to 2 weeks, 60 business days... each representative gives different answers ). 
I am actively trying to provide documentation to a mortgage company to obtain a mortgage. This wait time and lack of answers could put my mortgage qualification in jeopardy. 
Additionally, I have requested documentation on one of my two loans several times. Each time I'm promised to receive the document in " a few hours ''. Days go by without the document being emailed to me. 
This loan servicer is causing great financial harm to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: PENNYMAC LOAN SERVICES, LLC.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I would like to reopen or at least reference Case ID XXXX. 
I have received no monetary compensation from this company for there predatory and misleading practices. 

Since opening the last case I have been working with XXXX XXXX phone XXXX EXT XXXX we agreed they would wave the inspection fee with the condition that they stopped providing misleading information about removing PMI. 

However, In the last month alone I have received two more calls where I was advised by PennyMac representatives that I can remove my PMI based on current market value. 

XX/XX/2022 - XXXX advised house is apprising at {$490000.00} on XXXX and I can remove my PMI without refinancing. 
XXXX XXXX XXXX again advised I can remove my PMI based on current market value. 

The company continues to provide unsolicited misleading offers about removing PMIs and then decline to honor those offers. This is misleading and predatorily as they stand to gain monetarily and informationily.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25
Company: Credit Bureau of Carbon County
State: CO
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've been XXXX for the times and dates of these derogatory claims and fraudulent activities on my record. I'm a victim of identity theft and fraudulent activity please look into this situation for me. I apologize for the inconvenience and unfortunate opportunity but this isn't a reflection of the person I am trying to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX TWICE, XX/XX/XXXX, XX/XX/XXXX XXXX - XXXX SERVICE- XX/XX/XXXX I called and sent letters in trying to get these removed, they stated they could not do this. This is a violation of the Fair Credit Reporting Act XXXX XXXX ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I like to start by stating my complaint is with the company Coinbase, which is a bitcoin wallet. On XX/XX/XXXX at approximately XXXX XXXX  after having to replace my phone device I attempted to sign onto my Coinbase account. I was able to enter my user name and password correctly but as a secondary precaution Coinbase also requires the use of an authenticator code. However, with the replacement of my phone I lost access to my authenticator app. Not having the required authenticator code there is an option from Coinbase to submit a license and selfie to gain access to my account. I have attempted to gain access using my photo and ID over 11 times with a denial every time. I reached out to Coinbase on XX/XX/XXXX via phone and was told to keep trying that there was nothing else they could do. I reached out again on XX/XX/XXXX where I was told they were investigating the issue and working with a specialist to address it properly. I continued to attempt access using my License and photo with no luck. With no response I reached out again on XX/XX/XXXX, where I was told for a faster response to not continue to contact them and that my request has been properly escalated. As of XX/XX/XXXX I still have not heard from Coinbase regarding this matter. As of the last time that i had access to my Coinbase account I had roughly {$11000.00} vested. With not having access I have not been able to withdraw my money while watching the Cryptocurrency ascend and descend. This has been a very stressful journey.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got this letter / bill in my mail box stating : Dear XXXX your account was sold to XXXX XXXX XXXX XXXX. Your bank or creditor made a business decision to sell your debt. We purchased your account on XX/XX/2014, that was 5 yrs ago. A letter is coming to my address when XXXX died XX/XX/2014 all creditors were previously notified in writing and with a phone call. Its very disturbing to get a letter like this concerning a loved one who is deceased. Capital One the original debtor was notified. Before collection is done they perform skip tracing and check XXXX, it shows if the person is deceased, date of death, etc. I know because I used to do collections. I truly believe this company bought this debt knowing XXXX was deceased thinking family members who are not responsible will pay. They need to be fined for deceitful debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I accidentally made a double payment on my Lowes account in XX/XX/2017. I cancelled the payment scheduled for XX/XX/XXXX to correct that not realizing I could not do that. XXXX XXXX contacted me several times and 2 different persons told me id I caught up this missed payment they would forgive the late fees. I did as they asked and ignored the late fees as they had told me they did not apply. However, every month after that they added more fees until my {$67.00} payment due increased to {$130.00}. At this time I borrowed this amount from my neighbor and paid the amount they requested to keep my credit in good standing. Synchrony continued to add fees until the current balance owed is now {$340.00}. I have spoken with them on several occasions but without a good outcome. I have contacted Legal Aid, LOA and Veterans Administration ( I am the widow of a veteran XXXX on XXXX XXXX ) who did not even bother to respond. I am supposed to be eligible for legal assistance as a XXXX era widow. My lawyer suggested I contact you for assistance as she could not help me.. I live on a fixed income and have not the resources to pay Synchrony what they are asking. Incidentally, this account with Lowes is over 20 years old and has been paid in full several times.

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 2018-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I never attended college in XX/XX/XXXX so I do not understand these late payments. I never received any bills or statements.

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 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Credit reporting agency violations : Nonpublic private information has been reported without my permission ( Proper validation of account not done ). Was told by customer service agent that all that was done was " We contacted furnisher and they said it was validated '' Nothing else was done to validate as correct ( Admittance to no investigation done, Furnisher also did not let them know that account is in DISPUTE and not notated on credit file ) 15 USC 1681i 15 USC 1681a ( d ) ( 2 ) ( i ), ( e ), ( f ), ( k ) ( iv ) ( 1 ) 15 USC 1681b ( a ) ( 3 ) ( F ) ( ii ), ( c ) ( 1 ) ( A ) ( B ) ( 2 ) ( c ), ( e ) ( 1 ) ( 2 ), ( f ) ( 1 ) ( 2 ) 15 USC 1681c-2 15 USC 1681e 5 USC 552a ( b ) 16 CFR part 313 17 CFR 248.7 26 USC 7213 Associated accounts 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 non-monetary relief
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
I requested an updated credit report from Experian, XXXX and XXXX. In do so I found their several names and addresses. I don't know nor recognized. I have sent out letters on XX/XX/22 to dispute the matter. No representatives have called, nor any updates have happened.

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