BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-22
Company: Experian Information Solutions Inc.
State: MD
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-11-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo is trying to unethically foreclosing on a property! 

XXXX XXXX, XXXX, I sent a cashiers check from XXXX XXXX for {$5500.00} to catch up on the mortgage of my deceased mother 's home. 

A few weeks later I was told by a Wells Fargo rep funds had been received but now the check disappeared & funds were never applied to the account. I want to stop the foreclosure & pay the remaining mortgage. 

Details - This problem is the result of two financial institutions acting improperly. We didnt know we were behind until I called Wells Fargo because of stopped statements. XX/XX/XXXX, I called & ask why no statements. I was told we were over {$4000.00} behind. I let the rep know I had not been aware due to NO statements & I would send funds. I asked statements to be sent so we could keep up with account & for automatic payments to begin again. I was told everything would be taken care. I had my credit union cut a cashiers check for {$5500.00} & mailed it XX/XX/XXXX. 

I found out XXXX XXXX XXXX XXXX took the payoff of mothers car from her account without authorization leaving the account without funds for the mortgage. This caused the missed payments. 

I still was not receiving statements so called a few weeks later. The rep assured me yes, everything was great. Check was received, account was fine & I should be getting statements soon. 

Next I heard from Wells Fargo was paperwork to foreclose. 

THIS is why Wells Fargo is foreclosing : -Mortgage amount due {$27000.00}... 
-Property tax value {$160000.00}... 

If I had been receiving statements all along, I would have known about problems. No suprise... the Wells Fargo rep lied to me. She knew I was not receiving statements and would never would. 

ONLINE ARTICLE. <<<Why Did They Stop Sending My Mortgage Statements After Bankruptcy? 

https : XXXX XXXX home mortgage lenders who send monthly statements to their borrowers will stop sendingstatements once a bankruptcy is filed. They will stop withdrawing automatic payments from your bank account. 

They claim sending the statements and withdrawing your funds might be seen as a violation of the bankruptcy automatic stay on collection and they dont want to run afoul of the bankruptcy law. >>> My mother passed away XX/XX/XXXX. We kept her accounts for payments but her credit union removed funds. 

Wells Fargo is known for unethical treatment of senior citizens. I went to a branch & was told a different story. In XXXX, the account was in " pre-foreclosure. '' I had proof from of the cashiers check but I was called a bad debt & they never got a check. 

I wish to pay off the mortgage & have no more business with a company who preys on 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 2022-09-21
Company: Credit Karma, LLC
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In between the months of XX/XX/XXXX to XXXX of XXXX, Credit Karma has been sending ( emailing and notifications from their website ) stating that I was pre-approved for five credit cards and two personal loans. I applied for these items and got denied each time. I have been very stressed out because Credit Karma has been sending me a lot of emails and at those times I really really needed the money and I was under duress. This has caused harm to my character and has greatly affected my mode of living. Pulling my credit and applying for these credit card companies has really affected my credit score as it dropped each time I applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Experian Information Solutions Inc.
State: NC
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, Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-06-28
Company: EQUIFAX, INC.
State: NC
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:
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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-11-10
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Nelnet has violated the terms of the loans for which I applied through FAFSA and should be removed from the federal government 's list of approved loan servicers. I have XXXX  children who are full-time students, and their loans are in my name. The terms of my loans are that they are deferred until six months after my children graduate. Both children are enrolled as full-time students, and there has been no interruption in their status. I received a past due notice from Nelnet regarding my loans. This is an error on Nelnet 's part. They have verbally acknoledges this. Whoever governs loan providers should take action against Nelnet because : 1 ) Communicating with Nelnet is nearly impossible for the average person. While I have been able to wait on hold for more than an hour and a half several times, the average person likely does not have that flexibility. They list a " chat now '' feature on their website, which does not " chat ; '' it refers the consumer to their contact page. On the contact page there is an email address which auto-responds that it will take them a really long time to get back to the consumer. Calling the phone number has put me on hold for over an hour and a half three times. 2 ) A customer service representative, acknowledged that this never should have happened and stated that she would process my " request. '' I asked her send me an email confirming that this was the case to ensure that I have documentation should this affect my credit score. She stated that this was all internal and that she could not send me documentation. 3 ) I understand that mistakes happen and that communication with a large consumer base poses logistical challenges. Nelnet 's mistake in this case could affect my credit rating. And, they should be legally obligated to enable consumers to communicate with them in an efficient and timely manner. Their status as a loan servicer should be revoked until they are in a position to actually service consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My federal student loan servicer is Nelnet. I completed my income-driven repayment plan application on XX/XX/2023 through studentaid.gov, as well as my consolidation loan application for my Perkins ' loans ( email attached for proof ). Nelnet still has not processed my income-driven repayment plan application, although they processed my consolidation application on XX/XX/2023. I contacted Nelnet on XX/XX/2023 regarding my application. I wanted to make sure my application was processed before XXXX because my loans would start building interest in XXXX. Nelnet told me over the phone on XX/XX/XXXX that they were having problems with processing applications, so my loans would be placed on an administrative forbearance until my application was processed, and my loans would not accumulate interest. They also told me my application would be processed by XX/XX/2023. However, they told me they could not send me a confirmation email with this information because " all of their emails are templated ''. They then sent me a templated email stating that I would be placed on a forbearance but my loans would build interest ( although this would not have happened if I had been able to start paying off my loans on an income-driven plan ) ( email attached ). My application still has not been processed as of today ( XX/XX/2023 ) and I have accumulated almost {$1500.00} dollars in interest because I am not able to make payments ( although they told me my loans would not build interest ). I called them again today ( XX/XX/XXXX ), and they told me that my application will be processed in 15-20 business days. However, my loans are continuing to build interest and I can not make payments towards them because I was automatically placed into the " standard plan '' although I qualify for income-driven repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2019, a " debt '' was put on my credit report with XXXX   for {$720.00}. It was done by XXXX XXXX, a former place that I had moved from. The reported through IQ Data International, that I owe this money because of " damages '' to apartment when moved out. I moved out on XX/XX/2019 with a 60 day notice given to them, scheduled a final walk through with them also. At the final walk through, the only thing found was 2 broken window blinds and a chipped faucet to the bathtub. My XXXX year old daughter was with me at the time as a witness, because I know how these landlords will fraudulently put down things " wrong '' with apartment so that when tenant moves out, the services they hire to " redo '' repairs, can be paid on the tenants dollar. They even said that they had to wax the floor. That floor wasn't even waxed when I moved in. As a matter of fact, the apartment was dirty, down to the electric plugs having dirt grime build up on all of them. I had to ask them to send maintenance back in to go over apartment again and clean it ( which they did a sloppy job still ) I didn't complain about it when I moved in, because at that time, I was living in my car, and didn't want to rock the boat with anything to cause me to not get the apartment. As I was living there, there was also a tenant who was harassing me, to the point she tried to run me over with her car. I kept telling the manager, but they would do nothing. They basically didn't like that I was persistent and " complaining '' to them, so this maybe this was their way of getting back at me. I explained to XXXX  that these are fraudulent charges. The manager at the time of walk through, even wrote things down, only on a back piece of paper, I asked her to let me see, she wouldn't so that way I couldn't sign agreement of listing. I asked her if I could have a copy and she said their office is being remodeled therefore, she couldn't give me a copy. How are they able to get away with this, but when I come up to dispute this, I have to accept whatever they submitted. Nothing agreed and signed by me. Along with their intimidation and retaliation, which is illegal, so is this. XXXX  did not take this off my credit. I am trying to get a place now, and this being on my credit, will also hinder me to do so. I can't be added to the homeless epidemic that governor XXXX  is fighting for. Owners and landlords need to be hit with stiff penalties when they try to do this to tenants that move out. It happens to much, to too many people. Something needs to be done, and you can start here with this complaint. Please initiate XXXX  responsible for not taking this off my credit. Thank you very much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$660.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance Owed : {$920.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$180.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01
Company: Synovus Bank
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against First Progress for misrepresentation, non-disclosure, mail fraud, securities theft, interference of beneficiary right to benefit of proceeds, and breach of contract. 

CFPB Consumer Codes Misrepresentation : 1026.24 ( a ) ( 2 ) Non-disclosure : 1026.18 ( a ) ( 1 ) Mail fraud : 18 U.S.C. 1341 Securities theft : 17 C.F.R. 240.10b-5 Interference of beneficiary right to benefit of proceeds : 50 U.S.C. App. 501 Breach of contract : Uniform Commercial Code ( UCC ) 2-207 Supporting United States Codes , CFR Codes, and UCC Provisions United States Code : 18 U.S.C. 1341 ( Mail fraud ), 17 C.F.R. 240.10b-5 ( Securities fraud ), 50 U.S.C. App. 501 ( Interference with beneficiary 's right to benefit from proceeds ) Code of Federal Regulations : 1026.24 ( a ) ( 2 ) ( Misrepresentation ), 1026.18 ( a ) ( 1 ) ( Non-disclosure ) Uniform Commercial Code : UCC 2-207 ( Breach of contract ) Allegations I allege that First Progress has violated the law in the following ways : Misrepresentation : First Progress misrepresented to me that they would not bundle and sell my securities on the primary and secondary market. 
Non-disclosure : First Progress failed to disclose to me that they would be charging the obligation to me instead of the principle.

Mail fraud : First Progress mailed statements to me using deceptive language and implying that I owed a debt.

Securities theft : First Progress stole my securities by bundling them with other debt instruments and selling them on the primary and secondary market without my consent.

Interference of beneficiary right to benefit of proceeds : First Progress interfered with my right to benefit from the proceeds of my securities by bundling them with other debt instruments and selling them on the primary and secondary market without my consent.

Breach of contract : First Progress breached our contract by charging the obligation to me instead of the principle and by bundling and selling my securities without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 have asked the credit repair companies to do multiple checks on my credit report for errors. They stated that everything was accurate and after another check of my credit report I still see that they were not verified correctly or at all. Even after providing the bureaus letters from the creditors themselves they still refuse to make the necessary changes. These accounts are as follows : XXXX XXXX, XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have many inaccuracies including : Account Status, Date Opened, Payment History, Account Status, Date last reported, Date last active, Date of last payment..etc. 

In accordance with the Fair Credit act XXXX All of these accounts have 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 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 2022-06-28
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: Their investigation did not fix an error on your report

Complaint:
All of the accounts listed below are all fraudulent accounts and inquiries being reported on my Experian credit report and reporting fraudulent accounts is against the law. And this is hurting my ability to obtain credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Us Sm Bus Admin 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 2022-06-28
Company: EQUIFAX, INC.
State: CA
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:
There is two different accounts with XXXX that are NOT my accounts. They are fraudulent. XXXX financial, and XXXX XXXX. I have sent them proof of all documents, and the FTC report and I was told it would be deleted. They refuse to delete the accounts and due to this I can not get help or the credit I need because of the fraudulent accounts. I have asked for a security freeze and there is numerous inquiries that continue everyday that are fraudulent. They will not delete.

Company response to consumer: Closed with explanation