BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-17
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XX/XX/XXXX SS XXXX I have some errors on my file that I need to have addressed. I have a incorrect name on my credit my name is not XXXX XXXX please delete this name. I do not live at nor have I ever lived at XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX Please delete these unknown numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I was denied credit based on inaccurate information on my credit report. XXXX and XXXX have zero balances.

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 2022-04-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX from XX/XX/XXXX until XX/XX/XXXX The fraudster has my phone number, personal information and the information to the secondary bank account. 
Funds were transfers and then removed from my account to the secondary account USAA and XXXX I have a fraud investigation with USAA right now I don't want to attach any documents until I am contacted

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XX/XX/XXXX SS XXXX I have some errors on my file that I need to have addressed. I have a incorrect name on my credit my name is not XXXX XXXX please delete this name. I do not live at nor have I ever lived at XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX Please delete these unknown numbers : ( 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 non-monetary relief
Consumer complaint received 2022-10-25
Company: MOHELA
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
After two failed attempts to reach Mohela Student Loan services in regards to my Public Service Loan Forgiveness application, I submitted a message using Mohela 's customer service page on XX/XX/XXXX. I then submitted a follow-up message on XX/XX/XXXX to inquire about my first message. Mohela has failed to provide a response to my items, or even an update that my message was being looked into or anything. Both of my messages and a screenshot of my messages sent and any messages back to me ( there are none ) are attached for review. I'm just trying to get some help and information on all of this. Thank you, and have a good afternoon!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
According to the NSLDS data provided by the Department of Education, I took out my first student loan in XX/XX/XXXX for {$350.00}. I took out my second student loan in XX/XX/XXXX for {$550.00}. And then in XX/XX/XXXX, I took out an {$11000.00} consolidation loan. There is no identifying information about that loan. There is no school listed. And I was not attending school in XX/XX/XXXX ( to my recollection ). Most of the other loans listed have a school code and identifying information. This one does not. And the two prior loans for a total of {$900.00} do not add up to an {$11000.00} consolidation loan. In the last complaint, you sent me original loan documents from XX/XX/XXXX. Please provide the original loan documentation for this consolidation loan from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
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:
Experian has furnished unauthorized information on my consumer report without my consent or written instruction. Experian has violated my privacy and security while refusing to substantiate their claimed entry and their method of verification. To my knowledge, I have not signed any documents authorizing Experian to alter my consumer report at will ; therefore, the entries disputed on my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2018-05-31
Company: WELLS FARGO & COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
This is a complaint for credit card denial dated XX/XX/XXXX. The reference number XXXX for denial. I and discussed my credit history and stated the conclusion could not be correct based on the facts. They denied me for late payment I have not had a late payment since XX/XX/XXXX when I filed bankruptcy form the recession. I have a credit score of over XXXX and income of over {$100000.00}. I told them i would provide my tax return. I have less than {$32000.00} in total debt and {$30000.00} of that is on installment loans with payment of {$1100.00}. I told them the reason i had inquires was to get a business line of credit because my company was expanding and sales has increased over 300 %. So given that information it's not clear how I could be denied.

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 2020-03-02
Company: AmeriHome Mortgage Company, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We recently received the note AmeriHome Mortgage sent to you on XX/XX/2020. Unfortunately, we continue to have the following difficulties with this poorly managed company. First, per paragraph 6 on their note to you, we were supposed to be able to request the company to return the {$100000.00} in principal payments to us by sending a note to XXXX. We sent a request as to this process on XX/XX/2020, but have yet to hear back from the company. We sent a follow-up note on XX/XX/XXXX and XX/XX/XXXX, with still no reply. Today is XX/XX/XXXX. Second, we sent the {$250.00} check to AmeriHome to finalize the agreement and put the issue to rest, they deposited it on XX/XX/XXXX and notified us on XX/XX/XXXX of the deposit. Third, the company had not modified the loan terms on their website for a monthly payment of {$4100.00} per the XX/XX/2020 notarized agreement signed by us and received by AmeriHome. Therefore, my wife had to submit the previous, normal payment of {$4600.00}, even though the company has had possession of our {$100000.00} recast payment toward the principal since XX/XX/2020 and had processed the {$250.00} check on XXXX. Fourth, AmeriHome finally modified the payment amount, but to {$4200.00} ; again this is not the contracted and notarized amount of {$4100.00}. If not corrected, this will result us paying more than {$37000.00} over what both parties agreed-upon per the notarized agreement. 
Given our difficulties with AmeriHome and noting recent difficulties others have had with the company per a recent XXXX XXXX XXXX article, I am surprised that they continue to operate in the US in good standing. Certainly, we would like : 1 ) to find out the process of having the money returned, 2 ) have the company return {$570.00} - the difference between what my wife paid and the agreed-upon amount payment per the aforementioned notarized document for the recast and 3 ) have the company modify of the payments to {$4100.00} per the aforementioned notarized  agreement, not the {$4200.00} indicated earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: MARINER FINANCE, LLC
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
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 had a personal loan with this company. When I applied for the loan, I opted to purchase the XXXX insurance. In XXXX, I was out on medical leave and made a claim with the XXXX insurance. I submitted the required paperwork from my doctor so that the XXXX insurance company could make the monthly payments until I was discharged from my physician and returned to work. Every few months, I was required to submit an updated physician 's statement in order to keep the claim open and so that the payments would be made to the loan company, which I did. In XX/XX/XXXX, apparently the XXXX  insurance company submitted the monthly payment to the loan company late. The loan company has reported to the credit bureaus a 30-day late payment. When this appeared on my credit reports, I called the loan company and the manager, XXXX, informed me that he would have this removed since the payments were being made by the insurance company and it is beyond my control. XXXX was successful in having this removed from my XXXX  report ; however, it was not removed from my XXXX and XXXX credit reports. I contacted the loan company again and was told that XXXX was no longer employed with the company. I explained the situation to XXXX and she stated that there was nothing they could do and that I should submit a dispute to the credit bureaus in order to have the late payment removed. I have disputed this item multiple times and it is still on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Business contacted me on a co-workers cellphone that I did not give them permission to contact me at and did not tell them was my personal line to call on. I am unsure of how they got this phone number whether I used this phone associated with this number to contact a few months back but I did not give them this number as a contact or way of communicating with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: Navient Solutions, LLC.
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:
Navient is the owner of the student loans I have, XXXX. I pay some and others are in forbearance. They still report negatively to my credit report monthly and its the only thing KILLING MY Score and all accounts are in good standing!

For the last year and 1/2. Please help us make this stop!!

Its bad enough interest is through the roof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Experian Information Solutions Inc.
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:
The company is XXXX XXXX services and I sent in a dispute via Experian to have them updated my account to current as it showed 3 late payments and I asked them to send me proof and the methods used to prove the late payments. The results came back and It had my account reporting 60 days past due when in fact my account is closed and paid in full since XXXX of 2021. I have attached pictures

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
The Bank has been  manipulating my deposits to generate additional fees. I thought this was illegal. I thought Dodd-Frank elim inated these practices.

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 2018-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or removed immediately. 

South Carolina Student : Account numbers 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 2017-06-09
Company: ID Analytics, Inc.
State: CA
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 tried to contact SageStream , LLC about the information they have on my consumer report and the phone number provided cuts of and at other times I get message phone number is not available. I researched company and they have been notified by federal government to be in compliance when they were doing business as ID Analytics. I was denied a simple {$240.00} payday  loan ( cash advance ) due to information provided by this consumer reporting agency that reported my score as   XXXX . My scores from the main credit reporting agencies range from  XXXX  to  XXXX . I would like your assistance in stopping this consumer reporting agency from being used to provide credit information to any and all credit agencies. They are hindering people from getting loans and/or assistance.   Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the account in my Credit Report : 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 2023-02-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX, born XXXX  and I am a victim of identity theft. There are duplicate credit cards in my name that I did not authorize

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 2022-04-05
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a conventional loan through Seterus Inc. We pay our payments on time and recently submitted a request for cancellation of PMI. My understanding based on research and Seterus website was that we needed to have 20 % equity on the loan.      Following the appraisal I received a letter advising the value of the home based on the appraisal is {$470000.00}, our loan amount is {$360000.00}. So we have almost 23 % equity but they state in the letter that we need to have 25 % equity.     Are loan companies able to make-up their own rules? I thought the Govt mandated PMI cancellation with 20 % or more equity and on-time payments.     Also, the company states in writing their hours are  XXXX   XXXX  to  XXXX   XXXX  but when calling the number provided it states  XXXX    XXXX   to  XXXX   XXXX , are loan providers not required to be open when customers can actually conact them?

Company response to consumer: Closed with monetary relief