BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-30
Company: GREAT LAKES
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
To whom it may concern, I 'm having a problem resolving loan payments to Great Lakes Educational Loan Services Inc. As of XXXX of this year, I had spoken with a representative grom Great Lakes in order to reduce my monthy payments. I am out of the country XXXX XXXX XXXX in XXXX and my income has been cut severely then what I make back home in Florida. I spoke with a representative I believe on XX/XX/XXXX or maybe the last week of XXXX right before I departed in order to make a financial agreement to at least pay something on my loans. To my knowledge and my bank statements from XXXX to XXXX, we had agreed on a {$20.00} payment covering both my loans until XXXX when I return. On XX/XX/XXXX the payments were correctly deducted and likewise on XX/XX/XXXX. As of XX/XX/XXXX, I noticed a {$250.00} deduction from my checking account from Great Lakes therefore, putting my bank account in an overdrawn state. I was then charged an additional {$35.00} a day until I could conveniently contact my friend in Florida to deposit a significant amount of money in my account. I have filed a complaint with the loan service as they have told me the only thing that I can do is fill out a income-driven repayment plan application. In doing so, the only result I get back from their website is for a forbearance plan in which case my account already states I am in until XX/XX/XXXX. This is where my confusion sets in. If I am already in forbearance yet still making {$20.00} payments it seems a little hypocritical to me. I have no problem making the {$20.00} a month payments which we had agreed upon before I left but, why the {$250.00} deduction? I have limited access to contacting the company unfortunately as my phone was shut off before arrival in XXXX, XXXX. The Great Lakes Ombudsman office has transferred my complaint to XXXX and I have not gotten an email back in 3 days. I am contacting your bureau in relief that I will be reimbursed my lost funds due to either negligence from Great Lakes or misinformation given to myself from them. I have pictures of bank statements online showing the {$20.00} deductions from XXXX and XXXX on top of the {$250.00} deduction from XX/XX/XXXX ( with the additional {$70.00} in overdraft fees ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: WI
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:
Obviously, everyone knows what happened to the breach at Equifax. It took almost two months for them to make it public. When I checked their site it said my info may have been affected. Now I find out that several executives sold their stock in the company before reporting the breach. What is wrong with this picture? The company should be shut down for mismanagement and insider trading.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I had a mortgage with wellargo bank and wells Fargo is stolen XXXX from my mortgage account on the escrow account. the case is in court now and wellsfargo refuses to give a fair review on my account though I asked multiple times now. it is the obvious reason wellsfargo donot wany=t justfy reasons for fake charges. I need help because the court is not responding on my case now. I lost $ XXXX on this no settlment reached now.. I can provide all evidence that have with me. please talk to me before closing my 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 2022-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
There is a hard inquiry on XX/XX/2022 from Kohls, Capital One on my credit report that I don't recognize. I contacted Kohls and let them know that I have not attempted to open an account with them and they have made a note to follow up with me via mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Sensitive personal information has been compromised while under the care of Equifax. Like many others, I am part of the alleged 143 million people who have had my personal compromised and my credit and identity are now at risk. The breach was announced on the week of XX/XX/2017. Equifax has been entrusted with sensitive information yet was too inept to protect it from outside sources. Allowing this to happen and then not announcing it until weeks later is an egregious offense.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: Flagstar Bank, N.A.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am writing this letter to bring to your attention a very unpleasant recent experience I had with Flagstar Bank refinance operations. I have been a consumer of Flagstar Bank since XXXX. I recently closed on a very lengthy and unpleasant loan experience with Flagstar Bank. It was the WORST loan experience I have ever experienced and given the circumstances I would never ever again do business with Flagstar Bank.

I fully understand the whole world is dealing with a global pandemic, and I sympathize with professionals working from home while managing personal and work life ; however, unfortunately for me, Flagstar Bank staff were very unprofessional, unethical, irresponsible and discriminated against me for being XXXX while processing my loan. It took 8 months for my loan to be approved and closed ( XXXX ) when I was promised on XX/XX/XXXX that a refinance process would only take " 60 days ''. During the 8 months, I made multiple attempts to communicate with different Departments to no avail. I even made attempts to supervisors and management also to no avail. No supervisor and or manager bothered to return my calls and or emails. 

As a XXXX consumer, I felt discriminated against by Flagstar Bank staff. I am convinced that had I been a XXXX  consumer I would not have experienced the disrespect of unanswered emails, answered phone calls, and bouncing around to various different loan processors and Departments when I persistently called.

How can my complaint be satisfactorily addressed?

Flagstar Bank should review its policy about promises made during the initial disclosure and have a firm policy about their staff returning phone calls and emails/mails to their consumers including management.

Flagstar Bank should also be investigated for loan practices of XXXX  consumers versus people of XXXX. I felt my loan experience was unpleasant because of my race being 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 2022-07-10
Company: Grow Credit Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Their autopay system failed to process my payements even though I had funds in my account. I reached out to their team but they just won't give me straight answers as to what happened. 

This already negatively impacted my credit report.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 # XXXXXXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX 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.

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: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax had its information hacked. I went to their website and verified my info has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Conn's, Inc.
State: CT
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:
Someone ran my credit today, XX/XX/2022 from a different state for appliances. I DID NOT apply for credit anywhere today! Especially in Texas. I'm getting the run around from the company- Conn 's Appliances in Texas XXXX This is a " buy here pay here appliance store. First they said their systems are down and to call in a few days. I called back and the transferred me to their Fraud department- I was immediately disconnect. I call back, they sent me to the fraud dept again and the phone rang for 3 straight minutes with no answer, no voicemail etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Accounts on my credit report do not belong to me and are unverified

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 2021-06-23
Company: EQUIFAX, INC.
State: NY
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:
Hello, I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed these inquiries for accounts I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a BJs comenity credit card. It has been unusable since XX/XX/22. The card payment is up to date and there is available credit on the card. There is no way to contact Comenity because they continue to say their offices are temporarily closed. This is supposedly due to a scheduled update. The company hasnt been accessible and have given no explanation other than the update has taken more time than expected. I would like someone with authority to check into this as Comenity has no regard for their loyal customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
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:
Experian credit bureau didn't go to the furnisher of my chapter XXXX bankruptcy but instead they used a third party company like XXXX  or XXXX the original furnisher is the court house they didn't verify this with the court because I contacted the court house and they said they don't report to any credit bureau so why is this on my credit please remove this immediately

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 2017-09-08
Company: EQUIFAX, INC.
State: IL
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:
Equifax had a massive data breach and I am listed as one of those 143 million impacted. They did not disclose this for MONTHS and their executives sold stock before the announcement, violating numerous laws.
Their handling of this situation is unacceptable, and their only recourse ( free credit monitoring and fraud prevention ) requires you to sign up, then remember to come back in a week. All the while precluding you from suing them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Absolute Resolutions Corp.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company keeps reporting that I owe this debt that was deleted prior from my credit report. XXXX is allowing them to do this repeatedly this was already. This Company went and bought the debt and refuses to delete from my file. XXXX is siding with the company to continue to ruin my credit. 


ABSOLUTE RESOLUTIONS I Original creditor : XXXX XXXX. 
{$810.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Debt Buyer Paid off : 0 % Balance on XX/XX/XXXX Original balance {$810.00} {$810.00} Payment Info Original balance {$810.00} Balance {$810.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
im trying to dispute info through transunion online XXXX i've gone through the steps to report my dispute unsucessfully both times ended in the following error : Dispute Temporarily Unavailable. 
Looks like theres a temporary error. 
What to do now : Please wait a few minutes and try again. Return to the Dispute Center. 
If this problem continues, you may choose to dispute by phone or mail. 
To report this error, contact our Website XXXX XXXXXXXX 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 2018-04-04
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We have been paying two payments of XXXX and XXXX a month to the credit card collection agency Weltman, Weinberg, and Reiss Co., LPA for over two years. This was a payment plan set up and approved by the agency and us. The monthly payments are automatically taken from our checking account every month so we've never missed a payment.This was debt incurred from two XXXX cards. Without any written or verbal notification to me, the above agency sent a court-ordered levy against our bank accounts ( one checking, two savings ) for over XXXX dollars. We owe them XXXX. They took XXXX dollars from our checking and over XXXX dollars from both savings accounts. My bank said they can not stop the levy so now our accounts are overdrawn by over XXXX dollars. This is a breach of our monthly payment agreement with no warning given. We have no other means. No way to buy food, gas, pay bills, or pay for needed medication.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: SLM CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
XX/XX/XXXX XXXX XXXX approved a fraudulent student loan # XXXX loan type XSPP for {$4500.00}. They said they may have used electronic signatures without my presence. This is not a practice of due diligence. I was notified of default whoch took until XX/XX/XXXX to resolve with help from XXXX paid by taxpayer dollars as was report filed by local police paid by taxpayer dollars and caused XXXX and XXXX XXXX to me as a victim of avoidable fraud. XXXX XXXX is guilty of a practice that harms many types of consumers as a private institution. Many think it is a governmental entity unfortunately. I was forced to freeze my credit which hampers activity as simple as utility billing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2022 Good day- I would like to inquire on how/why there is a balance with XXXX XXXX. I sent in several letters that indicate that this was fraud. 
You removed it off my credit file. 3 years later you tell me its had been validated and its not fraud. No one can tell me why its not fraud, can not send me anything with my original signature, on even a charge but its still on my report with an open balance. 
Can you explain how can something be charged off and have a balance? If its charged off then it was then written off as bad debt by the company and in this case it would be XXXX  XXXX. SO if its written off by XXXX XXXX, why am I showing a balance on something that was already written off the companys profit and loss statements? Im in the process of looking for a place to live and they pulled my credit report, and it was denied due to XXXX XXXX. 
So Experian is not actually verifying the legitimacy of the reporting, they are basically relying on the furnisher to ensure that this is correct. THE FCRA compliance bulletin XXXX requires hat furnishers conduct a investigation of disputed information. How can this have been completed if it still is not Metro 2 compliant? Can someone please let me know.

That is not the law. 
If you look back, you can see that this happened, and it reappeared after it being removed. Per my research I should have received a 5-day re-insertion letter which was not sent or received, and by law it can not report on my report. REMOVE OFF MY REPORT AND SEND ME A NEE NEW REPORT WITH THE DELETION> Again, you are reporting this and its inaccurate. MY children and I will be on the street due to this lie and its crazy. You are supposed to verify all information, and this has NOT been verified or anything. This mistake is hurting my kids. Please correct this now. 

Please assist in removing this from my report.. 
Thanks XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: WA
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:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account XXXX 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

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