BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-08
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
HI, My name is XXXX XXXX I pulled my credit profile only to discover that the bureaus is reporting inaccurate information on my credit report. I have inform them that I 've been a victim of identify theft. On my credit profile it list that my Date Of Birth XX/XX/XXXX, when my Date Of Birth is XX/XX/XXXX. I have submit several dispute on the behalf and yet they still reporting these anonymous accounts listed below : XXXX XXXX XXXX Balance {$560.00} Medical XXXX Balance {$350.00} XXXX XXXX XXXX Balance {$760.00} please update and remove all items listed above

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 2022-07-13
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
From XX/XX/XXXX until XX/XX/XXXX, I had an auto loan with the XXXX XXXX XXXX XXXX in XXXX, MD. I had my first delinquency in XX/XX/XXXX, while I was in XXXX school and, unknown to me, my father was gambling the money that he should've been using to pay XXXX  ( given that I was a XXXX XXXX XXXX  ). Given that it's been about seven years since my first delinquency, I filed a dispute with Experian to request that XXXX drop it from my credit report. 

Instead of dropping the dispute from my credit report, XXXX or Experian ( I am not sure which ), updated my account to reflect that it was closed in XX/XX/XXXX instead of XX/XX/XXXX. This is inaccurate. It also removed all of the on-time payments I had had prior to XX/XX/XXXX from my credit report. 

I have worked extremely hard since graduating from XXXX school in XX/XX/XXXX to clean up my credit and now have an extremely high score. I feel this mistake is going to make me look less credit-worthy than I actually am, which is coming at a time when I am beginning the process to buy a home.

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 2021-03-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Dear, my daughter is under XXXX years old so I opened an account with Wells Fargo to deposit scholarships and financial aid funds to her account, her ATM Debt cards was compromised so many times and she didnt know how to protect her account she were disputing the chargers instead of filling fraudulent charges and the Wells Fargo instead helping her to file fraudulent charges instead they were disputing them that majorities of them were rejected and she had to to pay for charges that she didnt do, not knowing Wells Fargo a decade ago committed unethical and fraudulent by opening accounts for their clients without they not knowing in fraudulent and unethical manners and now instead of protecting their customers. The bank manager filed internal complaints for why she suspended her ATM debt card and It didnt resolve and I wasnt notified so I had to give her my ATM to utilized for her XXXX Universcity. I think Wells Fargo is doing it again in different matters its a pattern please investigate their actions. 
Thank you and stay safe.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
HI, My name is XXXX XXXX I pulled my credit profile only to discover that the bureaus is reporting inaccurate information on my credit report. I have inform them that I 've been a victim of identify theft. On my credit profile it list that my Date Of Birth XX/XX/XXXX, when my Date Of Birth is XX/XX/XXXX. I have submit several dispute on the behalf and yet they still reporting these anonymous accounts listed below : XXXX XXXX XXXX Balance {$560.00} Medical XXXX Balance {$350.00} XXXX XXXX XXXX Balance {$760.00} please update and remove all items listed above

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 2016-04-14
Company: AES/PHEAA
State: PA
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 have been paying American Education Services on an original loan of XXXX ( combined ) for over 10 years. I have taken some deferments. My loan is currently at XXXX. The lady that I spoke with told me I had XXXX loans that cost over a total of XXXX???? I informed her that I have never had that much money borrowed. She told me it 's a " mute point now '' and refused to explain to me where she was getting that figure. That amount is simply incorrect. I want to find a loan program where my payments make a difference. Do you have any suggestions? I will be XXXX years old before I pay this loan off if I do not find a product that helps me to pay my loan down. I am confused and angry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: EQUIFAX, INC.
State: VA
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, Confirmation # XXXX refuses to DELETE THIS ACCOUNT FROM MY REPORT EVEN THOUGH IT IS THE SAME XXXX XXXX that they are already listing as being closed as of XX/XX/XXXX. 

XXXX XXXX, XXXX purchased these bad debts and are deceptively disguising them account as the original creditor being " XXXX. '' This is a disputed account pursuant to XXXX XXXX XXXX  and I am an " affected consumer '' pursuant to this ORDER. The Order states that these accounts are not to be transferred to Collections. Pursuant to the Consent Order I AM NOT LIABLE FOR THIS FRAUDULENT ACCOUNT and I want it deleted from my file. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. 

Credit File states for this account that " XXXX '' was closed on XX/XX/XXXX. So how is it an opened account as of XX/XX/XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: LTD Financial Services, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
LTD Financial keeps calling repeatedly asking for me and they say that they have been hired by someone about a financial matter. They will not tell me anything.

They ask for my personal information and say they need verification. I checked my credit score and it is good with no bad reports. I see this company had been sued in 2007 for doing the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Franklin Collection Services put the collection in XX/XX/2019 and I did not aware of it until XX/XX/2019. On XX/XX/2019 Franklin Collection Services received my request of validation of an account XXXX. I have not received a response. I made multiple good faith communication to receive the certified letter requesting validation of an account on XX/XX/2019 and every 5 business days atfer. Under Texas Finance Code Section 392.202 a debt collection agency has thirty ( 30 ) calendar days to respond to a debt validation request. If they fail to respond to validation request then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. As of XX/XX/2019 they are still reporting account on my credit. Which puts them in violation of various state collection laws. I am making every effort to resolve this matter without presenting this matter in court.

On XX/XX/2019, I requested a written agreement to delete the claim from my credit if I made the payment. After being transferred to the manager, he could not represent the detail of the account. He mocked me by saying he maybe will write that letter. I want to verify what he means by maybe. He replied that he maybe write it next week, next month, or whenever he wants to. He also stated that my couple hundreds dollar will not break his company. On XX/XX/2019, I made 2 phone calls to Franklin Service since XX/XX/2019 is the week after the supervisor promised to write the letter. After being and transferred and stated my name, the supervisor hung up immediately. The next call was transferred to voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Hi my name is XXXX XXXX and I'm submitting this and this isn't any influence and this is not a third party. XXXX, XXXX and Equifax has low and unfair credit number for me in their reports. I have complained. The problem has not been resolved. my fico has me at a credit score over 719 XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX 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 and I made this clear for 60 days straight with XXXX, XXXX, and Equifax when I spoke to a representative agent for XXXX name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rep 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 and remove the inquiries and its been 60days and they record the calls and admitted they had my police report, 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 and now I'm XXXX  and can't provide for my children PLEASE HELP ME PLEASE and I'm XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
For the last 1 1/2 years no bank or credit union can pull my Equifax report, generally, when I call or attempt to dispute anything on my report it contains my wife 's name and or the creditors who try to pull it simply find a missing/blank report. 

Have been calling several times per week trying to resolve this, they claim nothing is wrong which I disagree as it 's impossible for every bank/creditor in the country to have the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
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:
Unauthorized use of my consumer report. Did not conduct proper investigation

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 2020-08-19
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX approximately XXXX PNC Bank located on XXXX XXXX and XXXX XXXX in XXXX PA denied me a {$5000.00} dollar withdraw from my checking account. The funds were available but the bank manager asked me where did the funds come from. I told her my insurance company which it clearly states on the deposit. Then she ask what is is for. I told her for my house. She then ask what its for again. By this time i answer can you give me my money. She goes in the back for 15 minutes. Then comes back and says we cant give you the money. I had my camera out and she said i cant record her and she didnt answer any questions after that. I then said I would like to close my account, which she denied me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am part of the 143 million Americans that had their personal information stolen during the one month+ data breach at Equifax . I demand restitution and at the very least free credit freezes for at least three years. That in itself is not good enough to cover Equifax 's horrible data security but it 's at least a temporary band-aid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: LEXISNEXIS
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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate information reporting on my credit report for a bankruptcy I also reached out to the courts and they stated we do not report to 3rd party credit reporting agencies. This company tacky behavior is violating my privacy rights, its been over 60 days later and I have not received a response back via mail. This company have been taking advantage and ignoring all my disputes. According to Section 611 ( a ), it is stated that a failure to investigate all items within 30 days gives a reason to immediately remove the all listed items from my credit report it has been over 60 days so this item should be deleted immediately. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: AZ
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:
Per Equifax 's Press Release Statement : there was unauthorized access from MidXXXXXX/XX/XXXX The first indication that Equifax gave of this breach was on the XX/XX/XXXX This I an extreme amount of time to investigate and notify those affected of the LARGEST CYBERSECURITY BREACH in United States history. To top it off, the service that is offered by Equifax is through another entity who deceptively state in their ToS that signing up for this service ( which is offered to all victims of the breach ) removes your right to sue and that it will be decided in arbitration? The TOS is hidden and does not inform you until " after you 've input information to check if you 're affected ''. There are some that were registered automatically, INSTANTLY removing their rights to a fair trial. 

On top of it all, constant 404 's on the Equifax page, I am unable to complete forms on the Equifax page to put up a fraud alert ( calling them states they are too busy ). They also charge {$10.00} to put a freeze on your credit. Something that should be provided free of charge at the least! How is it legal for a company to say " We 're one of the 3 largest financial enterprises in credit consumer reporting in the world. We just had the largest data breach in history and we 're going to have our website broken and charge you to fix the problem. By the way, if you go with our service, you give up all right to SUE US FOR STORING INFORMATION IN PLAIN TEXT!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: PLAZA HOME MORTGAGE, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PLAZA HOME MORTGAGE acquired my loan in XX/XX/XXXX. I had to contact them 4 separate times on XX/XX/XXXX, because the first 3 people hung up on my wife and I. They had not paid my county and city property taxes from the escrow money they collected from me at closing, over 4 months ago! On XX/XX/XXXX, at PHM 's request, i emailed them the county and city tax bills. As of today, XX/XX/XXXX, they have still not paid my city tax bill! THIS WILL ABSOLUTLY STOP ME FROM GETTING ANOTHER LOAN WITHOUT DOUBLE PAYING THE BILLS!!!! I am on the phone with them, right now, and their cavalier attitude to this situation and its affect on my business IS UNACCEPTABLE! THEIR NEXT " PLANNED '' PAYMENT OF MY TAXES IS XXXX???!! SO THEY'RE TELLING ME THAT XXXX WONT GET PAID, ACCORDING TO MY ACCOUNT .... IT'S CRIMINAL THESE IDIOTS ARE ALLOWED TO SERVICE LOANS!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Kriya Capital, LLC
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello my name is XXXX XXXX and Ive been attempting to try and resolve this matter with CREDENCE RESOURCE MANAGEMENT. Please read the following notice thoroughly and carefully before responding. It is a notice. It informs you. It means what it says. For these reasons it is recommended that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05
Company: Experian Information Solutions Inc.
State: PA
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:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 
inquires XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XX/XX/2021

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 2021-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I submitted a certified dispute letter to XXXX  Credit Bureau, Transunion and XXXX. The letters were confirmed received on the following dates to XXXX  on XX/XX/2021, Transunion on XX/XX/2021 and XXXX  on XX/XX/2021. I received an email as well as a letter that my dispute has been resolved in regards to bankruptcy on my report and has been verified as accurate via XXXX XXXX. I contacted the bankruptcy court via certified letter that they received on XX/XX/2021 and they stated via a response letter that they do not verify any information with 3rd parties. With that being the case there is no way that this could have been verified and I would like to have it removed.

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 2021-03-10
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:
I am disputing an issue with the following companies : XXXX XXXX XXXX  XXXX  TransUnion

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 2022-02-11
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
After being told I could not put my loan in forbearance or deferment and I was not able to have the student loan discharged in my bankruptcy, I have told them I can not make a payment. However, they are multiple times a day multiple days a week. If I answer, sometimes no one is there other times it takes forever for them to respond when I say hello. Even after that phone call the continue to call!!! The XXXX images uploaded are just my missed calls from this week!!! Monday being XX/XX/2022. This does not show all the times I answered! Its harassment

Company response to consumer: Closed with explanation