BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: NV
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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
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:
On XX/XX/XXXX, I wrote a letter to XXXX/Dept of Education asking them to remove the late payment from my credit report on a good faith adjustment. They never responded to me. On XX/XX/XXXX, I wrote the first letter to Experian to dispute my report as well as sent them the information showing that XXXX received my letter and documentation and never responded. When the investigation was completed, nothing had been changed. On XX/XX/XXXX, I wrote my second letter to dispute false reporting on XXXX because it is being reported that I was current XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX but 90 days late in XX/XX/XXXX. When I received notification that the investigation had been completed, once again nothing had been changed. 

I am filing a complaint on Experian. Based on the Fair Credit Reporting Act, they are responsible for reviewing the accuracy of the disputed item and that has not happened.

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 2018-11-11
Company: AES/PHEAA
State: ID
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:
Ive applied for the temporary extension public service loan forgiveness ( TEPSLF ). They denied my application because the payments I made 12 months prior to applying was less than what I am currently paying. The problem : my payment is income driven so the amount will always be less than the previous 12 months if I get a raise AND the payment is determined by the same company that has denied me. Its a no win situation and designed to make it nearly impossible to qualify for loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: Associated Credit Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I dont know who associated credit SE I reporting me on my XXXX report witch I have no knowledge about, I am requesting that this Comsumer report please be removed as it is a fraudulent act not on my behalf, I have not authorized/ given permission or granted access to my personal information that was use file for accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC1681. 

XXXX XXXX # XXXXXXXX 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 15 U.S.C 1681 SECTION 602 A. STATES I have the rights to privacy 15 U.S.C SECTION 604 A.SECTION 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Credit reporting companies, the big three - equifax, XXXX, and XXXX all charge fees for instituting, thawing, and lifting credit freezes. These companies collect this information without my consent and I am coerced in to " doing business '' with them if I want to be involved in society in any meaningful way. The fact that I have to PAY THEM MONEY to adequately protect my valuale personal information is a discrace. Since I and other consumers have no recourse to not to business with these companies ( other than exit from society all together ) free market principles will not work to solve this problem. And I am forced to pay their fees. For example, if I do n't like that XXXX charges a fee for a credit freeze, I ca n't just decide to move my business to XXXX. And for those who the can not easily afford the fees ( x3 because you need to do it at three companies ), this is even more burdensome and onerous. Thus some type of protection from these abuse of the market by these companies is needed. Some states have such laws, but not my state. 

In light of the egregious theft of my highly valuble personal information from Equifax, the importance of a security freeze is great. These comanies should allow me to protect my information without financial penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: EQUIFAX, INC.
State: MA
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:
Good evening, and how are you? This is going on for almost 90 days and i haven't received any responses from my previous disputes about this XXXX XXXX. This account was actually deleted or removed from XXXX  and Equifax due to several violations on reporting but equifax continues to ignore my request for deletion. It's illegally re-aging my account because it's reporting incomplete, unverifiable, and inaccurate information. There is no way that this could've been verified or looked into. Again, Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information
about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.
What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Caliber Home Loans, Inc.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX we paid XXXX for an Appraisal to get PMI removed. Caliber Homes asked us for more information in XXXX XXXX. They refused to take any information over the phone or by email. So we mailed it in not once but twice. They received the Appraisal back on XX/XX/XXXX or XX/XX/XXXX. When calling to check on the status I was told someone would call me back but they never did. On XX/XX/XXXX after a few calls, I learned they do have everything and our current ratio is 81.3 Percent. It needs to be 80 percent to have PMI removed. Today on XX/XX/XXXX I received a letter from Caliber Homes wanting me to send another XXXX and to start the process all over again. So I called back and again no one will talk to me and was told I am still missing information. That they sent a letter on XXXX requesting that information. But on XXXX I was told all information was there. My current ratio is 81.3 Percent so they should not need any further information especially since I was told everything was there on XXXX. They refuse to call me back and remove PMI. We have been going rounds since XXXX XXXX. Since then our house has gone up and I have a letter from the County assessor 's office that values my house higher than what I was told by Caliber Homes

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$70.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX {$720.00}

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 2022-06-13
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This is in regards to customer case # XXXX. 

I have been a long-time Wells Fargo customer and, recently, requested to close my savings account ( called in XX/XX/XXXX and in XX/XX/XXXX ). Despite two calls where I was assured it would happen, Wells did not close my savings account. Wells Fargo erroneously closed my checking account, which had a balance. 

I learned that this was erroneously closed on XX/XX/XXXX when I received a notice that my automatic bill pays would not be able to proceed due to insufficient funds. Wells Fargo has confirmed this was closed in error by the bank, in a call on XX/XX/XXXX with XXXX ( XXXX. XXXX ). Despite XXXX hours on hold and in branches to attempt to stop the closure, the account was closed. I have yet to receive my funds. XXXX at the Wells Fargo XXXX branch promised I would receive these XX/XX/XXXX. I did not. I instead received a statement in the mail. I have asked that my funds be transferred to my existing Wells Fargo savings account and told this is not possible, but have not been told why. 

Wells Fargo has also told me it is not possible to reopen my account because it was originally opened in a state where I no longer live. They encouraged me to open a new account to help resolve the issue, but could not explain why this would resolve the issue when I have an existing savings account that the funds could be transferred into. I declined to open another account with Wells Fargo and have received no clarity on when my funds will be returned as a result. 

I have called XXXX in the XXXX XXXX XXXX division several times, with no resolution. I have been to the branch. I have emailed XXXX XXXX, the XXXX leading XXXX XXXX XXXX XXXX Banking for Wells Fargo, to provide written notice. The bank has taken no steps to resolve this beyond expressing sympathy and apologies for their wrongly-taken actions. I was told I should have noticed an account notification noting that Wells planned to close the wrong account- in effect, " catching '' the error.

Due to Well Fargos mistakes, I have not have access my entire balance of {$6900.00}, and am suddenly unable to pay bills due to Wells Fargos admitted error. I will incur interest and late charges due to Wells Fargos errors, and none of the customer support agents I have spoken with have been empowered to resolve this. I expect Wells Fargo to return my funds that were taken in error immediately as well as late fees refunded.

This experience is completely unacceptable. Any other time funds are taking without permission and not returned, it's called stealing. Just because a bank does it, why is it any different?

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 2017-09-13
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 fraud alerts or security freezes

Complaint:
Due to the recent XXXX hack, I am placing a credit freeze through all three bureaus. However, there is a fee of {$10.00} to initiate a freeze from both XXXX and Experian. As this is a national consumer security issue, I think that it 's reprehensible for these companies to be extracting a fee for something that is absolutely necessary to prevent assured identity theft for millions of Americans. The CFPB needs to step in and make this process not only free, but easy to complete and navigate.

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 2019-11-22
Company: EQUIFAX, INC.
State: FL
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
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:
On my credit report these are not my items reporting.

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 2022-01-13
Company: Healthcare Receivables Group, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX, I spoke with a woman who stated her name was XXXX and represented herself as a manger. I gave her a verbal cease and desist and stated any further communication should be conducted by US mail. 

Today, XX/XX/XXXX, I received 3 phone calls from this company in a little over an hour. 

On numerous occasions I have attempted to give this company the numerous adjusters and claim information to pursue the insurance for these bills. I have occupational hazard insurance, personal medical insurance, medical payments coverage, as well as third party liability insurance in relation to these bills. I was told the company would not submit bills to the insurance and I needed to pay them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07
Company: LEXISNEXIS
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Lexis Nexis is reporting an inaccurate listing of a Chapter XXXX and Chapter XXXX Bankruptcy on my credit report. Furthermore, I reached out to the Indiana Bankruptcy court and they provided me documentation that they do not give any third party 's or companies information, and they don't report bankruptcies to any credit bureau. They refuse to remove this inaccurate information or provide the verification method.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have reviewed my credit report and found inaccurate, invalid accounts on my 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 explanation
Consumer complaint received 2019-11-22
Company: EQUIFAX, 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:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE OPENED UP A STUDENT LOAN IN MY NAME FROM XXXX XXXX, XXXX IS COLLECTING FOR THEM. I PRESENTED THEM WITH A NOTARIZED IDENTITY THEFT AFFIDAVIT, ID THEFT REPORT, ALSO A POLICE REPORT IN WHICH I HAVE INCLUDED ( THROUGH UPLOAD ). EQUIFAX HAS REFUSED TO CORRECT THE MISTAKE, WHICH IS HURTING ME FINANCIALLY. XXXX  AND XXXX  HAS ALREADY REMOVED THE FRAUDULENT ACCOUNT. I KNOW OTHERS THAT HAS HAD THE SAME PROBLEM WITH EQUIFAX, UNQUALIFIED WORKERS ARE HARMING CONSUMERS CREDIT. I BELIEVE ITS A SCHEME, AND THEYRE DOING IT ON PURPOSE. 

FCRA 605B EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION, A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF 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 BY SUCH AGENCY.OF : 1. APPROPRIATE PROOF OF IDENTITY OF THE CONSUMER. 

2. A COPY OF IDENTITY THEFT REPORT. 

3. THE IDENTIFICATION OF SUCH INFORMATON BY THE CONSUMER, AND 4. A STATEMENT BY THE CONSUMER THAT THE INFORMATION IS NOT INFORMATION RELATING TO ANY TRANSACTION BY THE CONSUMER.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-15
Company: M&T BANK CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Refinanced home mortgage with enough cash out to pay off car loan. Loan closing was on XX/XX/XXXX with disbursement scheduled for XX/XX/XXXX. M & T Bank claims it did not receive payment until XX/XX/XXXX, thirteen days ago. After not receiving lien release I spoke with M & T representative today and was told they have to wait for check to clear but the automated system said the account was paid off on XX/XX/2019. I can not sell this car without a title and getting the lien release is just the beginning of the process. I believe this should have been done before this.

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