BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-29
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Went online to look for repayment options at the department of education website. While trying to apply for income driven repayment, I accidentally applied for a consolidation. The website still provided me an IDR form that I printed out at the time ( thinking I had just completed that part, not a consolidation ) and sent to XXXX to request the income driven repayment. XXXX responded within days of the request outlining the new payment arrangement and provided no indication that they were no longer servicing my loans. I went out of town for a week for my grandfathers XXXX ( can provide evidence through flight receipts and obituary ), when I returned home I had some mail indicating that fedloan servicing was now handling my loan and I had 10 days to reverse this. I was unable to contact them during that period, but attempted to contact them within 15 days to determine my options and figure out how I had made the mistake. I first spoke to a young lady that just kept repeating that she was documenting my complaint and that it was my fault for esigning and she ca n't help. I get transferred to a " supervisor '' who claimed he would file a request with the department of education to let them know my concerns and attempt to have the loan moved back to XXXX. He also advised me to send in the IDR because it was not likely the Department of Education would address my mistake by unconsolidating the loans. The IDR was sent to fedloan servicing in XX/XX/XXXX, stating I would hear back in 10 days or sooner. Took them more than a month to deny the IDR, siting first that they were missing " Page 2 '' of the IDR when I called. The rep also told me they " resolved my complaint '' as " unsubstantiated ''. This rep also claimed they did not send anything to the Department of Education as they had claimed. They did not contact me in regards to this complaint. Yesterday, they called me during work hours, after I asked them not to, to let me know the IDR was incomplete. This time, they claimed they were missing my income information. Keep in mind I sent them the same documents 2 times that were received and processed successfully by XXXX in a matter of a few days. Fedloan Servicing is clearly intentionally " missing '' documents to not allow students to enter repayment plans. Furthermore, I feel deceived regarding the consolidation in the first place. I feel like practices employed ( lying about contacted dept of ed, lying about what is " missing '' from the request, continued calls during work hours ) are unfair and deceptive in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: CA
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, 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 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 2019-11-21
Company: MID-ISLAND MORTGAGE CORP.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage is with Mid-Island Mortgage Corp . 
On XX/XX/19 we received our Annual Escrow Account Disclosure Statement. 
The XXXX taxes had a RELEVY-PRORATA due to the purchase of the home and the four month balance of taxes because the prior owner had exemptions. Which added up to {$4800.00}. Increasing our taxes from {$14000.00} to {$19000.00} for the XXXX tax year. Which was paid. This is a one-time charge to cover the relevy. 
After talking with the Accessor office for Mid-Island Mortgage they asked for me to obtain a letter from the town showing the Taxes being paid and that it was a one-time charge. The Town Of  XXXX sent a letter showing the amount, the taxes paid and stating it was a one-time charge. The mortgage company received the letter on XX/XX/XXXX at XXXX. Receipt reference # XXXX. 
On XX/XX/19 we called the mortgage company asking for a revised bill with the correct amount and they informed us that they will not make an adjustment because there system shows the taxes are {$19000.00}. Unfortunately common sense is not that common. They believe the taxes were raised {$4800.00} in a year and there is no thought of the exact amount of the increase is the same as the one-time RELEVY-PRORATA. 
We asked if we can make the correct payment on the mortgage till they figure it out and send a correct statement. They told us no and if we do, the funds would be returned and they will report it and cause our credit to be affected. 
We have reached out direct to the Mortgage provider and they tell us they cant do anything because we are dealing with their process center. Which makes no sense since they hold the mortgage and we are still the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: VA
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 repeatedly filed disputes on my Experian report regarding a Bankruptcy. My latest dispute filed on XX/XX/22 was investigated and now it " remains '' even though the information can not be verified. In addition, I sent Experian a letter from XXXX stating that the information can't be verified because it's no longer in their files. 

In addition, I'm attaching a letter from the Bankruptcy Court who verified that they don't report information to credit bureaus. 

All of this information was sent to Experian, yet they continue to erroneously report this information on my credit report. 

According to FCRA, if it can't be verified, it must be removed.

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 2017-10-19
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
A company name XXXX XXXX made three hard inquiry once a month onXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without my consent. A company name XXXX XXXX made a hard inquiry on XX/XX/XXXX also without my consent. I have never seen this show on my credit report until recently, and i check my credit report via XXXX XXXX daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: WELLS FARGO & COMPANY
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX XXXX, a federally protected consumer, and beneficiary. I am making this complaint against WELLS FARGO BANK N.A. for committing identity theft. I have never given WELLS FARGO BANK N.A. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe, in interest of the estate titled, XXXX XXXX XXXX. I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have never received any documentation requesting validation from WELLS FARGO BANK N.A. before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If WELLS FARGO BANK N.A. can not provide me with proof, such as a tracking number, that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

According to what Ive been told, after the banking crisis banks were required to do certain things, make certain allotments to the public, and to cease and desist doing certain things regarding consumer credit transactions. I know I dont have to run it down to you verbatim what the laws say. You may glean my line of reasoning and assessment from Clearfield Trust Co. V. United States , S.Ct. ( *Hist. ) and other similar authority dealing with corporate demands against individuals rooted in alleged debt arising on promises, pledges, guarantees, and contract/agreements. See Truth in Lending and FDCPA.

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until WELLS FARGO BANK N.A. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and WELLS FARGO BANK N.A. continues its collection efforts, I will file for litigation for actual damages caused and WELLS FARGO BANK N.A. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

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 2022-10-03
Company: EQUIFAX, INC.
State: SC
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:
I'm submitting a complaint to all 3 major consumer reporting agencies. 

Equifax XXXX XXXX The accounts and inquiries in question are below. 

Equifax specifically has admitted to giving out incorrect credit scores to lenders. This has affected my credit worthiness with lenders for mortgage and auto loans. I demand for the accounts below to be removed expeditiously because of this error. 

XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX Federal law states that information furnished on my consumer report has to be 100 % accurate. The account information for the accounts above across all 3 consumer reporting agencies are not 100 % accurate. 

Under the laws stated below, I demand to have the late payments/charge offs on these accounts removed from my consumer report. 

15 U.S.C 1681b ( a ) ( 2 ) - states that a consumer reporting agency may not furnish a consumer report without written instructions from the consumer 15 U.S.C 1681a ( 2 ) ( a ) ( i ) - EXCLUSIONS - states that a consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report 15 U.S.C 1681a Section 602 ( a ) ( 4 ) - states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Also, below is a list of inquiries along with the consumer reporting agency reporting them that need to be removed from my consumer report as they are not attached to any account on my consumer report and I have no recollection of these inquiries. I demand that these be removed as well. 


XXXX XXXX - Equifax XXXX - Equifax XXXX - Equifax XXXX - Equifax XXXX XXXX - Equifax XXXX - Equifax XXXX - Equifax XXXX - Equifax XXXX - Equifax XXXX - Equifax XXXX - Equifax XXXX - Equifax 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 response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: Amsher Collection Services, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There are several collection accounts showing on one of my credit reports that were not validated and/or have no contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: SC
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:
n accordance with the Fair Credit Reporting act XXXX Account # 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 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 2022-05-03
Company: EQUIFAX, INC.
State: SC
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:
n accordance with the Fair Credit Reporting act XXXX Account # 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 explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: CA
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, 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. 


# XXXX - XXXX XXXX XXXX - INQUIRY DATE XX/XX/XXXX # XXXX - XXXX XXXX XXXX - INQUIRY DATE XX/XX/XXXX # XXXX - XXXX  - INQUIRY DATE XX/XX/XXXX # XXXX - XXXX XXXX - INQUIRY DATE 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 2017-10-30
Company: WELLS FARGO & COMPANY
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 status incorrect

Complaint:
I previously complained about Wells Fargo. They stated my issue would be resolved by XX/XX/XXXX. They called onXX/XX/XXXXto say it would not be resolved for 2 plus weeks. They have the information about their practices and their deceptive dealings with customers and they are stalling in a resolution

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 2018-12-22
Company: EQUIFAX, 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:
On XX/XX/XXXX Equifax fixed a dispute on my report involving XXXX XXXX XXXX. XXXX had been applying my payments to the wrong account. XXXX admitted this error and corrected it internally. XXXX has been slow correcting the error with the Credit Bureaus. On XX/XX/XXXX Equifax again listed the account as late. This error is unacceptable the account is not 30 days late. Equifax needs to immediately fix this error. Will be filing complaint with Florida Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
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: Account information incorrect

Complaint:
XXXX posted Re-Age collections that does not show last payment. I need ti know the last payment maded in all collections. Its nit fair to list these account without showing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: CA
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, 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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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, 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 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 2019-07-21
Company: Medical Business Bureau
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Under the Fair Debt Collection Practice Act, Medical Business Billing did not afford me the opportunity to validate or dispute a debt by not sending the appropriate statement via United States mail to my home address. There has been no verbal contact with this company until I made contact, speaking to XXXX, XX/XX/XXXX. 
Through credit monitoring, I received notification of a negative collection item by Medical Business Billing for {$100.00}. Medical Business Billing had never contacted me ; in fact, the account was with XXXX for {$150.00}, yet XXXX called doing the time XXXX had contacted me for payment and {$55.00} paid to XXXX, leaving balance of {$100.00}. 
Upon calling XXXX XXXX after notification of collection activity, the account was sent to Medical Business Billing on XX/XX/XXXX with no updated phone number for contact per XXXX, supervisor, XXXX XXXX. 
I was advised by XXXX at XXXXXXXXdical Business Billing, once the {$100.00} is paid, the collection would come off my credit report ; however, he would not send information discussed in writing. 
This company is playing by its own set of rules not congruent with FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
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: Personal information incorrect

Complaint:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2021-07-13
Company: CITIBANK, N.A.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have a checking and personal line of credit Citibank offers for bounced checks. In XX/XX/2021 I overdrafted ( which I have not done very often maybe 3 times in more than 25 years. 

I have an auto pay set up with Citibank, and when my personal overdraft account was emptied, even though I had money to pay my auto-pay bills in my checking account, they quit paying my credit cards which were set to auto pay on XX/XX/2021. 

Because of this, I not only got a hit from Citibank due to my negligence, Citibank because they failed to pay my auto-pay bills for two months, I am now deliquent for six accounts that were on Auto pay. They basically just shut down my auto pay even though there was money in my account. 

They did not notify me of this practice. I only found out when my cards started getting rejected at the register

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 2022-05-03
Company: Experian Information Solutions Inc.
State: NY
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 Account number XXXX. 
Has violated my rights in accordance with the Fair Credit Reporting act 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 accounts without my written instructions. 
Account number XXXX has also violated my rights in accordance with the Fair Credit Reporting act 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 accounts 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 explanation