BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: PA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$590.00}

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 2016-08-11
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was in default on my student loans due to not having a job to pay for loans. However, I did file my taxes from when I was working and my taxes were intercepted. Once I got a job I contacted Federal student loans and they told me I had a balance of XXXX in order for my loans to get out of default and it would be paid off. I recently pulled my credit report and it has school loans transferred to collections. It is paid and I would like for them to be removed from my credit. It is affecting my score because there are so many listed. I am not working at the moment but I do want to focus on my credit. Ive contacted federal loan servicing to resolve this matter and they stated that it was out of their hands. They had me calling around and still nothing resolved. I

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I was behind on my loans, and I called about two months ago to get set up on a payment plan. They continue to harass and make threatening phone calls after I have made XXXX consecutive payments. I have asked them MULTIPLE times to stop calling and they always blame the issue on " system error ''. I am at the end of my rope and I do n't know what else to do!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I made payment arrangements and I was told the amount would be the same until my loans are paid off. I paid the same amount every month but then when I called to check on the pay off date, I was told that I was behind in my payments. My loans were sent to a collection company. I contacted the company and started making payments to them in the same amount each month. When I called to check on my account, I found out that I was in default for non- payment. I told them that I did n't understand how that was possible because I have the bank statements showing my monthly payments. They returned some of my payments from the company but it was still showing that I was behind on my payments. They recommended that I apply for a forbearance to catch up, so I did. Then, it happened again, I was making regular payments and When I called to check on my Account, I was so far behind ( the a, punt that I needed to pay each month changed and I was n't aware ) that I could n't catch up and they told me that I could do a forbearance to remove the amount that is passed due and start fresh after the months of forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$910.00}

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 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$0.00}

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 2017-01-09
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I 'm a veteran who returned back to school & made student loans through XXXX XXXX Borrowers. I became XXXX & filed a form of Forebearance from XXXX XXXX Borrowers which after much struggle & filling out forms got my loans forgiven. Then along comes Navient claiming I need to pay the same amount of money that XXXX XXXX had forgiven me in 2015. I attempted to clarify this up with Navient but the representative did not want to hear my story, claimed I went to a school in Georgia & threatened me with stiff payments & no restitution of said debt. He was very rude & obnoxious. I have proof of XXXX XXXX forgiving me the debt because I 'm XXXX & unabled to work

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
disputed with Equifax twice about a debt that was previously deleted from my report but reinserted without notice. They will not remove and I disputed with the collection agency 4 times with certified recipets that they have gotten my request. XXXX XXXX XXXX Collection agency has not responded to any of my validation request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

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 2016-09-06
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My complaint concerns : Bank account fees all credit and retail cards. It is a disgrace that the banks and retail are making money by charging high over draft fees. All charge XXXX . I had to cancel my bank account because of those fees. It cost me! XXXX of my social security check. I had made a mistake when I used my on Line Banking account with Wells Fargo. I also had a problem with Target. That overdraft fee was XXXX dollars because my last payment arrived on time but was a dollar short. Needless to say I cancelled the card .and paid them off. We are in a depression. Banks and retail love it. They make a lot of money with it, in today 's times. The lower middle class is suffering enough, and all the poorer folks are really suffering. The outrageous fees are not helping any one except the banks. Yes they all have a one time grace period but after that, there is no reversal of fees. They are making XXXX dollars. This system is a self defeating cycle. 
This issue needs to be addressed. Who decided that fee, and why is there no competition among banks to make it lower? I can only hope more people like me make a complaint in order to change it. 
XXXX XXXX, XXXX NC 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 2015-05-01
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo servicer of my mortgage invested by XXXX continue denying a fair review of my Request for a Loan Modification submmited basis on the " supposed '' fact that my mortgage is affordable, when is NOT. WF did not consider on affordability calculations, property tax payments ( do it by myself ), home insurance ( do it by myself ), HOA and Cluster ( both do it by myself ) as part of housing cost. When I include total housing cost my back to debt ratio is more than XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
When I first signed my mortgage with Wells Fargo it was NEVER explained to me that although I had a fixed mortgage rate that it could possibly rise every month due to a shortage of funds in escrow or because my insurance premiums went up. In XXXX, the mortgage went up to an additional {$89.00} a month to {$1300.00}. In XXXX, the mortgage went up another {$53.00} to {$1400.00} with no explanation ( I ca n't find any documentation online, nor did I receive anything in the mail ). So that 's a total of {$140.00} since I first signed my mortgage agreement and that is ridiculous.

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 2016-08-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
An individual XXXX XXXX Account number that I did not open is reporting on my TransUnion Credit Report as a charge off. That is not the individual XXXX XXXX account number or physical credit card that I have on record in my personal files, nor has XXXX XXXX ever contacted me about that account number. TransUnion LLC claims that it conducted a reasonable investigation which involved contacting XXXX XXXX to verify the account. That account information is inaccurate. TransUnion LLC is noncompliant and negligently violating my federally protected rights to 100 % accurate and fair credit reporting. I have requested verification numerous times on this matter from TransUnion LLC and filed several, prior complaints through the CFPB, one of which is still open. Please see the attached documents.

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 2016-04-05
Company: SECURITY FINANCE CORP
State: GA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I got behind on my payments and have n't had a chance to get caught up but they continue to call over and over. I ca n't answer and reason with them because they do n't want to hear what I have to say and if they are offered a XXXX dollar payment it is n't good enough. I was going to pay twards my account but my wife had to use all the money we had to go twards hers so I could n't pay anything on my account so they call me every day now even on the weekends. When you do talk to them they try to bully you into renewing your loan even when you say you do n't want to. I 'm tired of dealing with them and it 's about to the point where I tell them to send it to collections and I will just pay it off that way I ca n't stand to deal with them anymore

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 2016-12-29
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have submitted a Complete HAMP Loan Modification Package to Wells Fargo on XX/XX/2016, through my 3rd Party.Wells Fargo received the XXXX Page submission on their Fax No. : XXXX. They confirmed receipt of this Package.I am attaching a copy of the same, for your ready reference. As you can see from there, I am fully eligible for a HAMP Loan Modification. 
However I am surprised to learn today that Wells Fargo declined my Loan Modification saying that : " There is no change in my financial status '' What do they mean by that? Do they want me to lose my job or what? First of all I was never reviewed for HAMP and I am told there is no such condition in HAMP. Are they free to do whatever they want? Have n't they signed up for HAMP and if so, is there no regulator who is overseeing them, for the proper implementation of HAMP guidfelines?

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 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately.

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 2022-10-28
Company: Experian Information Solutions 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:
DEAR Experian, XXXX, XXXX ; This letter is a formal request to correct inaccurate information contained in my credit file maintained by your organization. The item listed below is completely inaccurate, incorrect, misleading and is a very serious error in reporting. 

I have enclosed a list of items that is reporting negatively, inaccurately that your organization has provided to me on XXXX XXXX... Please investigate that all the items are reporting 100 % accurate between all the 3 BUREAUS.. 

Under the federal Fair Credit Reporting Act, credit-reporting agencies are required to maintain and report only 100 % accurate credit information and to investigate any claims of inaccuracy within 30 days of receiving such a claim. I respectfully request you investigate my claim. 
If after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item and supply a corrected credit profile to me. 
Additionally, within 15 days of the completion of your re-investigation, please forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. 

1 ) XXXX XXXX  # XXXX 2 ) XXXX XXXX  # XXXX 3 ) XXXX XXXX XXXX  XXXX XXXX 4 ) XXXX XXXX  # XXXX 5 ) XXXX XXXX  # XXXX 6 ) XXXX XXXX  # XXXX 7 ) XXXX  XXXX  # XXXX 8 ) XXXX  # XXXX 9 ) XXXX # XXXX 10 ) XXXX  # XXXX 11 ) XXXX XXXX XXXX**** 12 ) XXXX XXXX  # XXXX 13 ) XXXX  # XXXX 14 ) XXXX  XXXX  # XXXX**** 15 ) XXXX  # XXXX 16 ) XXXX  # XXXX 17 ) XXXX XXXX XXXX # XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ss # XXXX dl # XXXX phone # 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 2016-03-11
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Deposits and withdrawals

Complaint:
My ex-husband forged my signature, deposited a check from the XXXX with XXXX our names on it ( after changing the mailing address with the XXXX to his own personal apartment where I have never resided ) and he cashed and deposited our joint check at Navy Federal Credit Union without my knowledge or consent. I was not present when this check was forged and deposited, I did not sign this check, nor did my ex-husband have my ID or permission to do this - Navy Federal to the best of my knowledge did nothing to prevent this from occurring. I have called and visited Navy Federal Credit Union and spoken with numerous representatives there and no one can confirm what their policy and protocol is to prevent such things - XXXX representative at the XXXX branch of NFCU said their policy is to have XXXX named individuals on the check present when the check is cashed and/or the person depositing the check has to have the other person 's ID with them if the other person is not present - neither of these things occurred when my ex-husband forged my name, cashed and stole this money from me at Navy Federal Credit Union. I called and spoke with a representative at NFCU 's Fraud Department and another in their Security Divisions, and they said this is not their policy ; there is a real lack of consistency within Navy Federal to even define what their policy is and how they prevent such things ; I do n't think they know as evidenced by how they have handled this situation. There is a significant lack of care, compassion, security and dedication on Navy Federal Credit Union 's behalf to 1. prevent 2. correct such actions from occurring. What my ex-husband did was a crime and Navy Federal Credit Union did nothing to stop him and facilitated him more or less in doing it by not having stricter enforcement ( or perhaps even any policy to begin with ) that prevents such things from occurring.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation