BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-21
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: Accelerated Financial Solutions, LLC
State: GA
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: Investigation took more than 30 days

Complaint:
I filed a dispute with XXXX, XXXX, and XXXX  in regards to the incorrect items on my credit reports. It has been well over 30 days, and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In 2012, I filed for bankruptcy. Do to a hardship, I applied for a loan modification on my home with Wells Fargo Bank. After months of repeated document exchanges and getting them notorized, I was given a 3 month trial payment plan. During initial application of loan, I submitted a letter with information from the XXXX Bankruptcy court in which they stated that they were not interested in home loans and should be between the lender and borrower. The court would become involved if mortgage increased. The modification was approved, but after making my first modified payment the modification was withdrawn due to no court approval. The attorney in my case verified the courts position.

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 2022-10-21
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX ), and XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), 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 2022-10-21
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:
XXXX Student Loans have been discharged by the US Dept of Education. The status of the loans are XXXX ( {$0.00} ) and closed. XXXX is internally closing out the loans and sending them back to US Dept of ED. The credit bureaus should be prepared for the millions of discharged loans, and be able to update credit files expeditiously. I have submitted all 3 bureaus with unrefutable proof of this, and they still are reporting incorrect information. 

Here is additional information : print out of my acct statement from XXXX that shows my loans are at XXXX ... ...... 

FIX MY XXXX CREDIT REPORT XXXX XXXX, XXXX AND EXPERIAN. Before I had this to my currently lawsuit against 2 of you all.

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 2016-11-21
Company: MARINER FINANCE, LLC
State: FL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
We made on time installment payments on a line of credit for the term of the loan. After the last coupon in the book, Mariner Finance advised to call and receive the amount of the last payment. We called and left a message. We never received any correspondence or a return call to confirm if there was any outstanding amount owed. This past week we received a letter threatening us that a lawyer will be filing paperwork within 5 days if we do n't pay the past due amount which was not even listed on the letter. The letter was not certified and arrived as regular mail. We would have paid the amount due if we were aware of how much was owed but we received no final bill or correspondence in any way. We also tried to consolidate outstanding debt with a new loan by Mariner Finance and during that process was never told there was an outstanding balance due and that in order to get the loan we needed a co-signer but no mention whatsoever by the rep or by the letter received referring to the loan decision. We would like Mariner Finance to send us and the credit bureau a letter satisfying our debt paid and to acknowledge the discrepancy was caused by their inability to communicate in writing and voicemail that an outstanding balance was due that was not included in the coupon book and our credit should be restored showing no delinquency of 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
Consumer complaint received 2022-10-12
Company: Paypal Holdings, Inc
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I signed into my account and it stated my card was close. I was not notified at all that my account has been closed and I feel like my rights has been violated. Paypal had no authority to close my credit card and I would like my card to be reopened immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: LA
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:
Despite the multiple Dispute letters and CFPB Complains I have been submitting to the Credit Reporting agencies, the Credit Bureaus have been consistent with their negligence and have kept ignoring my requests. How many times do I have to tell the Credit Reporting agencies that I have been a vicitm of Identity theft and I never made the charges nor authorized anyone about these fraudulent accounts. My information has been exposed in the XXXX data breach. The following accounts are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. The Credit reporting agencies are required to remove the disputed accounts and information from my Credit File under the Fair Credit Reporting Act section 605b, however, the Credit Bureaus have been claiming that the disputed accounts belong to me without sending me copies of proof of verification. This is a clear violation of a consumer 's rights Under the Federal Regulation FCRA section 605b. I recently sent a letter to the Credit reporting agencies last XX/XX/XXXX, with complete attachments of my personal information as well as the ID THEFT REPORT I received from the FTC. I am expecting that the Credit Bureaus will have the disputed accounts deleted from my Credit File within the time allowed by the Federal law. Once again, I am requesting the immediate removal of the following accounts completely from my Credit File : XXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened : XXXX XXXX XXXXXXXX Balance : {$7500.00} Date Opened : 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 non-monetary relief
Consumer complaint received 2021-03-18
Company: Phoenix Financial Services LLC
State: OH
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: First Associates Loan Servicing LLC
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I recieved a loan for XXXX education to do personal trainng which I finished and passed the test. Everywhere I have gone no gym has heard of them and will not even accept me as an intern. They say they are not accredited. I feel like I was ripped off and am very dissapointed in the way they got me to agree to the loan.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: Specialized Loan Servicing Holdings LLC
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
SLS is not processing my modification requests after inappropriate handling by their representative. The representative assigned to my case advised via letter that she is available from XXXX-XXXX. When I call the XXXX # they advise me she in fact works XXXX-XXXX my time so I will never be able to speak to her with my normal working hours from XXXX-XXXX. I have received misinformation over and over from the XXXX # and requested multiple callbacks from supervisors with no response. My most recent issue is a denied modification for missing paperwork when they have had the paperwork on file from the point I emailed it on XXXX/XXXX/16. I was told via the XXXX # that the paperwork was acceptable, but then received letters stating it was not. I called back in and requested the file to be re-opened because everything was there. The rep advised she would re-open the file and to call back in a few days as it would be done. I called back in and was informed it would take 5-7 days to reopen the file. I requested a call from a supervisor as this was day 5 with no return call. I waited and called back today and the representative advised it was closed and the reopen was denied for the missing paperwork that he again found on the file in fact they have 3 separate letters available. I asked him if it would be another 5-7 days to reopen and was advised that it never takes that long, it 's only 24 hours and he did n't know where I was getting 5-7 days as it was never documented in the file that I was told 5-7 days either. I receive constant misinformation, contradicting information and I can never get a hold of the one person that is supposed to manage my file. I am incredibly frustrated at this point and my home is set to be foreclosed. Not one person reflects any sense of urgency in handling my file and they do not care that I have received misinformation over and over again. I have requested another call back from a supervisor and I fully expect this to be ignored again. Please help 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 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2021-01-11
Company: ID Analytics, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
XX/XX/XXXX Sage Stream said they have lifted all freeze/fraud alerts on my account. 
XX/XX/XXXX - I sent a fax to lift all freeze/fraud alerts as well. 
I have called XX/XX/XXXX and XX/XX/XXXX to confirm and triple confirm that there are no longer any freeze/fraud alerts on my account. I was told there was no longer any freeze/fraud alerts. I applied to XXXX XXXX XX/XX/XXXX and XX/XX/XXXX and have been told on these 2 separate occasions there is still a freeze/fraud alert on my account. I have sent another fax effective Sunday, XX/XX/XXXX to get the freeze/fraud alert removed again. I want them to be held accountable for wasting hours of my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I took out an auto loan from Santander in XXXX 2014. The loan has been in auto pay with no issues until last week. Last week I contacted them for the first time since I have had the loan and advised that I would not have the money available when the payment was scheduled to extract on the XXXX. The call center representative assured me that the payment would not extract, I even asked her if she was certain and she said " yes ''. When reviewing my bank account after the due date, I noticed that the payment had extracted from my bank account and I called Santander. I requested to speak with a supervisor who was not helpful at all. He stated he did n't know why the payment extracted but that he could refund it and I would have it back within 7 - 10 business days. I find that to be totally unacceptable and unfair to the me. As of today the payment still has not been refunded and I just called Santander again at XXXX EST and got a message that they are either closed or on the phone. At this point I do n't know what else to do other than ask for help from the CFPB, I have contacted Santander one time since accepting the loan from them almost two years ago, and asked one thing and they have failed the only thing I have asked them, this does not give me any confidence in them as a lender. Their poor service is causing me harm as I believed what they told me and anticipated that the funds would not extract. Obviously, I am not looking to not make the payment and I have never been as much as a day late with them, unfortunately I had some unplanned expenses come up and needed to pay a few days after the due date this month. I have attempted to contact them multiple times to try to resolve the issue, and I am either unable to reach them or when are unwilling to help when I do reach them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: ESM Enterprises
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
The check assist people in XXXX Florida contacted me about some checks I had written and she was treating to have me arrested for a bunch of charges that I have never comeited, she also said that if I did not cooperate. With her in finding someone else that she was going to have me arrested on more charges. I think that this is a very deceptive tactic.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2022-12-11
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I attempted to deposit {$1300.00} into my XXXX account through an authorized Pnc atm. The machine took my money, then told me the transaction was not allowed. When I called the atm customer service, XXXX, the representative who answered the phone was rude and short.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-21
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: Was not notified of investigation status or results

Complaint:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: Santander Consumer USA Holdings Inc.
State: CT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
My car is financed by Sandtander consumer USA for almost 3 years so I was thinking I have 1 more year to pay off my loan which is {$20000.00}. I recently tried to trade in my car and get a new car so I called and ask them how much of my loan is left to pay off, the manager told I still owe {$20000.00} on the car even though I have paid off over {$11000.00} for close to 3 years. They said the {$11000.00} plus that I have paid so far was all late fees

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
American Express is not resolving my dispute with XXXX XXXX and has closed the dispute under deceptive practice while I was being XXXX  I'm XXXX XXXX  XXXX in the state of Illinois.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
sls specialized loan servicing llc mortgage brought my mortgage in XX/XX/XXXX and been making it very hard to pay and then adding late fees when I cant get any one to take payment then when I try to pay wont let me they say I owe next month before it even comes thanks for trying to help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions 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:
Per Consumer Law, 15 U.S.C 1681b - Credit reporting agencies such as, XXXX XXXXXXXX, and Experian does not have the right to report anything or any matter with a consumers written consent. 

15 U.S.C 1681c - 1 Without my written consent these items still remain on my credit and I want them removed immediately because this is identity theft. 

Here are the inquiries below I do not recognize on my credit report and did not consentCompany Name : XXXX XXXX Date : XXXX Company Name : XXXX XXXX XXXX Date : XXXXXXXX XXXX Company Name : XXXX XXXX Date : XXXXXXXX XXXX Company Name : XXXX XXXX Date : XXXX XXXX  Company Name : XXXX XXXX Date : XX/XX/2022 Actions That Were Taken ; I have called and sent letters and no response has been given in regard to the above inquiries.

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