BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-08
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX, I had communications with my loan servicer ( XXXX ) about not wanting to be placed into in-school deferment status of my loans as I intended to continue to make income-based repayments. Despite these communications, I had multiple periods of in-school deferment status placed on my account, which made my payments ineligible to be counted for the Public Service Loan Forgiveness . 

Under the instruction of FedLoan Servicing, I submitted a retroactive waiver to remove my in-school deferments from XX/XX/XXXX onward. Despite calling XXXX and receiving confirmation of waiver receipt and assurance it would be applied to my account, it was not. I submitted a second waiver in XX/XX/XXXX, which was marked as approved XX/XX/XXXX by XXXX. However, I continue to have two periods of in-school deferment status on my account per both the FedLoan Servicing website and the Federal Student Aid government website, and the payments made during those periods have those been made ineligible for the PSLF service. 

Additionally, a prior period of in-school deferment is now showing as a status of administrative forbearance. During that period, I qualified and made payments of {$0.00} per my income-based repayment plan which should also count towards PSLF but are still marked as ineligible due to the erroneous forbearance status. 

If these incorrect statuses were updated appropriately as they should have been over XXXX  years ago, I would now qualify for public service loan forgiveness as I would have made XXXX qualifying payments. I have faxed and uploaded to the XXXX portal letters describing the above errors over the past several years and have called in XX/XX/XXXX and again in XX/XX/XXXX to see what additional information is needed from me to correct this error. Both XXXX customer service representatives have provided incorrect information : either that they could not view this information in my account, and that they could not remove the in-school deferment status despite the approved removal waiver. They also could not tell me why I had a period of administrative forbearance and offered no rectification even if provided with evidence of loan payments during that period.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America lied to me to foreclose on my home told me they wouldnt foreclose I have a document with phone numbers and dates of everyone I spoke with who said they would not foreclose the very next day they foreclosed anyway even though I was in bankruptcy

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 2017-08-17
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have explained numerous times that this BK reporting on only Experian for the last 6 plus years is incorrect. I states I filed a BK for {$0.00}. I asked Experian how are they getting their info. They said they use a 3rd party source because BK Courts do not give this information out because of consumer privacy laws. I want this BK removed from my Experian Credit Report because it is inaccurate and not to mention have harmed me from getting financing. Why is it that ONLY Experian is reporting this over the last 6 years. I am tired of talking with Customer Service overseas. BK Status : Dismissed Date Filed/Reported : XXXX.XXXX/XXXX this shows on my credit report Reference number : XXXX Closing Date : XXXX/XXXX/XXXX Asset Amount : {$0.00} Court : US BKPT CT TN 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 2022-02-07
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2018-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 recently became a XXXX XXXX service connected  XXXX veteran. At the time I had good and excellent credit scores with transunion and XXXX. 

a benefit I applied for was an XXXX XXXX charge card. I got the card with. {$5700.00} credit limit. 

My credit scores immediately dropped by 120 points because I got the XXXX XXXX card. I am debt free and had no credit problems before this event. 

Now my credit scores are in the 500s and 600s down from the mid 700s just as I was approved to buy a home by my credit union. Now, my suddenly poor credit will be used against me in every arena all because I got a military charge card that I havent even used. 

So, in essence, XXXX  and Transunion are telling the world Im a poor credit risk suddenly because I got a XXXX charge card. As far as im concerned, this is criminal defamation of my character because I pay all my bills on time, everytime. 

These credit reporting agencies need to be invested for ruining peoples lives and reputations like they did mine. 

Im XXXX years old and dont have time to rebuild their opinion of my fiscal responsibility which is excellent despite their algorithmic opinion of me as an individual and American Military Veteran. 

They have ruined citizens lives numbering in the millions all the while enjoying the fruits of their corruption. 

Shut them down and start a whole new system to determine credit worthiness period!

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 2017-08-18
Company: CITIBANK, N.A.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I called Citi Bank at XXXX and spoke to XXXX. XXXX said his supervisor said to call my dad 's bank to file a complaint and to call the police. Citi Bank accepted a wire for this account XXXX on X/X/16 in association with an XXXX Gold Scam. The account holder is XXXX XXXX XXXX the amount was {$22000.00} The address of the bank is XXXX XXXX XXXX, XXXX NY 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 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After being denied credit, I pulled my report and noticed several loans I did not obtain. TWO loans in particular are student loans from the federal government that has been removed from my credit report on many other occasions. These accounts were removed in XXXX, twice in XXXX, XXXX, and three times in XXXX. Since XXXX I have supplied the bureau with countless police reports ( 4 to be exact ), 4 ftc reports, 2 different signed affidavits etc. however this bureau is seemly the only bureau who keep allowing, not only the reinsertion of these two loans but keep claiming to have validated them but will not inform me on who it validated, who validated and by which method. 

these loans were taking out during the same time frame, obtained online and used my old address. I contacted the credit bureaus and was told to obtain ANOTHER police report, get ANOTHER signed affidavit of identity theft and report the accounts to the federal trade commission AGAIN. Per the bureaus request I did all of these things and sent them a packet certified mail with the information. 

the bureaus are now telling me I am not an identity theft victim but placed an identity theft notification on my report. 

AGAIN, these loans are federal loans that previously reported and REMOVED under XXXX, DEPT OF EDUCATIONXXXX AND IS NOW REPORTING AS DEPARTMENT OF EDUCATIONXXXX AND OR JUST XXXX AND/OR XXXX XXXXXXXX XXXX XXXX. literally every few years the name changes but they are the same fraud loans.

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 2022-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

BANK OF AMERICA XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 61

1 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts m
ust be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

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 2018-06-02
Company: Experian Information Solutions Inc.
State: AZ
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:
Well first I had a fraud alert on my account which should of disallowed anyone to access my report without my explicit permission. Well that didn't work and when I went to buy a car the dealership repeatedly applied to all these different companies without my permission. No one came to me and said, ok the first inquiry didn't go through may we try the next? They ran it over and over again without my permission until they got a company that would fund me. I want all of these hard inquiries removed from my account, I tried removing them using my credit reporting agency but I was told that the company had to remove it and most of them dont have an address. Please remove the following hard inquiries from my report that all occurred on XX/XX/2018. Thank you XXXX => - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX => -  XXXX | Experian => - 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 2017-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Transunion had a computer glitch that caused all of the inquiries on my credit report to be deleted and my credit score increased. The very next week, all of the inquires were reinserted to my credit report without prior written notification in direct violation of Sec 611 of the Fair Reporting Credit Act. I contacted Transunion on XX/XX/XXXX and they would not remove the inquiries. I am requesting that the reinserted inquiries be permanently removed from my credit report. Here are the following inquiries that were deleted and reinserted : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: Performant Financial Corporation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
X/XX/17 at XXXX GC : is one of many repeated wrong number calls being made to my phone number to contact a person who does not live at my home. Performant 's procedure to speak with a live person during the call to update their database does not work, so the annoying calls continue.

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 2021-03-10
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I enrolled in a checking & savings account with Wells Fargo. After a few days I called to collect information on my account and was told that I had an account with them in XXXX and because the phone number I used to build the new account didnt match the number I used 17 years ago I can not be authenticated and am unable to access those funds. I went into a branch and showed them my IDs and withdrawal from my XXXX account and was still denied access to those funds. Ive been robbed by Wells Fargo and have no clue how to get my money back from them.

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 2022-07-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On the XX/XX/22 there was an automatic payment placed on my savings account for the amount of {$270.00}. This is to cover or pay my credit card account with Wellsfargo. Later the payment was reversed to my credit card account stating that there were not enough funds on my savings account to cover the amount owened, the reversal took place on the XX/XX/22. However, on XX/XX/22 l made a payment of {$270.00} to my Wellsfargo credit account from my regular account to cover the reversed amount. It reflected on the account for a few days, that a payment was made to my credit card account, but on XX/XX/22 the amount of {$270.00} was back on my credit card account and the amount {$270.00} did not count toward paying the amount owned to the credit card account.

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 2022-07-08
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Since XX/XX/XXXX I have been asking Equifax to add an extended fraud alert to my credit file. In mid XX/XX/XXXX I received confirmation from XXXX and XXXX that alerts were added to those files ; however, Equifax just keeps responding by asking me for the very same documents I have now sent to the NINE times. 

XX/XX/XXXX EFA requests mailed XX/XX/XXXX XXXX  requested police report to place EFA. Full request faxed XX/XX/XXXX Extended Alert request mailed again to XXXX w/new copy of DL XX/XX/XXXX Equifax sent me 1-year alert request denial for paperwork. Note : 1 year alert added XX/XX/XXXX. Extended Alert request faxed for 4th time. 

XX/XX/XXXX credit report still showing only : FRAUD VICTIM. " INITIAL ALERT ''. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. CELLULAR XXXX Fifth Extended Alert request faxed to Equifax XX/XX/XXXX FRAUD VICTIM. " INITIAL ALERT ''. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. CELLULAR XXXX As the proof of residence provided with initial request in XX/XX/XXXX was now 6 months old, full request with current Proof of Residence faxed AND mailed Equifax XX/XX/XXXX FRAUD VICTIM. " INITIAL ALERT ''. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. CELLULAR XXXX Extended Alert request # XXXX mailed to Equifax XX/XX/XXXX FRAUD VICTIM. " INITIAL ALERT ''. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. CELLULAR XXXX Extended Alert request # XXXX faxed to Equifax XX/XX/XXXX Equifax sent XX/XX/XXXX requesting personal identification documents that have now been sent nine previous times. Extended Alert request # XXXX mailed to Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2017-09-08
Company: EQUIFAX, INC.
State: CT
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:
Equifax was aware of their security beach in XX/XX/XXXX. It is now XX/XX/XXXX and they only just made people aware of it. I was personally compromised in their data breach. It is ridiculous.

Company response to consumer: Closed with explanation