BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-05
Company: AES/PHEAA
State: NY
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:
Last year I received a report from XXXX XXXX on the number of qualifying payments I have made towards the Public Service Loan Forgiveness Program. They reported I had made 29 qualifying payments. The documentation I have shows that this is inaccurate, and I have made at least 46 qualifying payments. I asked them to recalculate my number of qualifying payments and they told me on XX/XX/XXXX, " We submitted a request to have a detailed Public Service Loan Forgiveness ( PSLF ) Payment Tracker sent to your email address on file. Since each account must go through a detailed review process, providing you with these details can sometimes take a great deal of time. Please allow up to 70-90 days for your request to be processed. '' I waited the 90 days and had not received any information. I followed up and asked when I should receive the information and they responded on XX/XX/XXXX with a request to allow 70-90 days. I responded to their email and told them the 70-90 day window has already passed and I wasn't anticipating that they would expect me to wait an additional 70-90 days. They responded on XX/XX/XXXX that it was in process but did not provide any information on when I should expect to receive the updated repayment tracking. I responded and asked for a timeframe for when I should expect to receive this information. XXXX XXXX responded on XX/XX/XXXX stating that gathering the information " can sometimes take a great deal of time. '' I requested to have the information by XX/XX/XXXX or I would have to move forward with filing a complaint. I waited an additional two months, hoping they would complete the detailed tracking and to avoid the process of filing a complaint. I still have not received any information from them as of XX/XX/XXXX. If they do not calculate my payments correctly, I will be forced to pay beyond the 120 payments to complete the PSLF program. If I refuse to pay after the 120th payment ( per my calculations ) then I will default on the loan and will no longer qualify for loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Selene Holdings LLC
State: PA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Reference - Selene Finance Loan # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) Investor, XXXX XXXX XXXX XXXX XXXX XXXX purchased the delinguent mortgage/loan on my property. When they took over the mortgage/loan, they initially utilized XXXX XXXX XXXX to service the loan. The property was in foreclosure and owner had property listed for sale as XXXX XXXX and owner were working together. An offer was received and submitted to XXXX XXXX who then submitted to Investor. Investor provided an approval to XXXX XXXX which was communicated to owner that the offer was accepted and owner could execute the Agreement of Sale which Agreement of Sale was executed on XX/XX/XXXX, XXXX 

Shortly after receiving the approval and executing the Agreement of Sale, XXXX XXXX advised owner that Selene Finance would be taking over the servicing of the account as of XX/XX/2021. 

Owner had great difficulty communicating with Selene Finance after XX/XX/XXXX, and although despite the numerous communications initiated by owner and despite communicating the urgent nature of the communications with Selene Finance due to the pending settlement date of XX/XX/2021 on the subject property, Selene Finance failed to accept the urgency of the situation. In fact, Selene Finance refused to accept that there was an existing sale approval and insisted that they had to start the process all over again despite being provided the email communications with XXXX XXXX approving the offer and the execution of the Agreement of Sale between buyer and owner. 

Buyer and owner proceeded to settlement pursuant to the Agreement of Sale but Selene Finance would not approve the settlement stating that there were insufficient funds being netted to the Investor. Selene Finance and/or Investor caused the breach of the Agreement of Sale. Buyer has been advised that he will be sued by buyer and other interested parties, such as realtors, as a result of the breach of the Agreement of Sale. Investor and Selene Finance are attempting to fraudulently collect funds in excess of what they have already agreed to accept as a result of their prior approval of the Agreement of Sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
I had a XXXX  XXXX XXXX credit card on which I had a first late payment in XX/XX/XXXX. The account was closed by XXXX XXXX XXXX and referred to XXXX XXXX XXXX XXXX. While I eventually paid the full balance due, the closed account was continuously late from XX/XX/XXXX to XX/XX/XXXX. This account continues to show up on all three credit bureau reports. Because the date of first default is more than seven years  ago and the account was in collections, the entire account should by now be removed from my credit report. 

I filed a dispute with TransUnion and received notification that XXXX  XXXX XXXX had confirmed the account as accurate and is reporting it as late from XX/XX/XXXX to XX/XX/XXXX. It does not show the earlier late payments. 

I contacted XXXX XXXX XXXX 's Credit Card Department. The employee informed me that he also saw that the account should be removed from my credit report but transferred me to the Collections Department for further assistance. The Collections Department Employee told me that they do not keep records going back that far and was unable to locate my old account for further assistance.

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 2021-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XX/XX/2021, I submitted a payment to pay my credit card at XXXX XXXX XXXX But, the incorrect amount was charged as my whole balance was paid and only requested minimum payment to be paid. I contacted XXXX XXXX and was told I would have to communicate with my bank. I did that I filed a claim with them and sent in the documentation they requested, which was documentation of the correct amount to be paid. I sent it in by mail. No response was given to me that it was received like I was told. I then send it in by mail. Without looking at the documentation THAT THEY REQUESTED I was told that there was no error in my claim and that it was closed. How can a claim be done with no investigation. CAPITAL ONE investigated my claim without looking at the documentation they requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I called the bureaus after noticing some inquiries I didn't authorized and they are still being reported on my credit report. I also dispute account that doesn't belong to me that they said is verified but when I contact the company they said they never been contacted by bureaus. There is also accounts that where removed then put back on my report with same information just different date, which is invalid reporting and violation of my rights. There is address and names that doesn't belong to me, that's being reported on my credit report. There is a social security number that do not belong to me, that is listed on my most recent reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: 4M Collections, LLC
State: OR
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 XX/XX/XXXX, SOLVERITY add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA SOLVERITY has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, 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:
I have made several attempts to dispute the presence of accounts on my credit report that do not belong to me. Despite multiple submissions of disputes and FTC Reports, these accounts are still being reported. It is disheartening to see that these companies have chosen not to address the disputes as mandated by the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following itemsfrom my file. 
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

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 2021-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
For the Capital One credit entry ending ... XXXX - I submitted a request for " full accounting '' and/or account validation to Capital One. I requested in my dispute, state & USPS verified proof of my address that matches that of your credit application and installment contract, a copy of my state issued driver 's license or state ID that will bear a signature that matches with any relevant applications signatures for credit ; showing that I have ( or have ever had ) a contractual obligation to pay them. In a validation dispute, the furnisher is to provide a call log of any phone calls made to or from this furnisher, proof of any previous unanswered disputes. I requested to this furnisher to provide Capital One 's bank statement referencing account # XXXX to verify payment history in comparison to the credit entry. They are bound by law to provide the full accounting and billing statements, and all accounts receivable and payment history including but not limited to, payoff receipts, and credit protection acceptance or decline document. Included in their response, should be the Capital One account terms, and conditions document, and any kind of arbitration agreement. Also, provide names, addresses, emails and phone numbers of the individuals you spoke with so that I can follow up. Instead, Capital One responded with a letter that has " not one '' of the attached requested account validating documents ; There was no reasonable investigation conducted. Capital One never validated the account yet continues to report the account to my credit file. This is violation of FCRA-15 U.S. Code S1692g-Validation Of Debts, The 15 U.S.C. 1681s-2 ( b ) -Obligations To Investigate, and FCRA S611 ( 15 U.S.C S1681I ) - Procedure In Case Of Disputed Accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have made settlement agreements with Credit Company & or Collation agents that have broken agreements within how they may report to any and all reporting company 's. As agreed on with each payment made to any & all Credit Company 's & or Collation agents term of cashing payments were sent with each payment in a written agreement of cashing any & all payments. All Companies are in " Breach of Terms of Reporting of Agreement of Payment '' ( Sent with Each Payment ) which is violating the Agreement of Payment. Terms of payment to " BE IN WRITING '' ( WITH THE FOLLOWING KEY TERMS OF ALL SETTLEMENT AGREEMENT ), '' TOTAL AMOUNT TO BE PAID '', " PAYMENT TERMS OF TOTAL AMOUNT '', " REPORTED TO ALL CREDIT BUREAUS REPORTING COMPANYS AS WORDING OF " PAID ONLY '' WITH NO NOTES OTHERWHYS THEN BEING PAID '', " BE REPORTED WITHIN 30 DAYS OF FIRST PAYMENT ''. I would only find it fair that both parties are following the terms of agreements. I would ask that your company enforces any & all fairness to the reporting of my credit report companies including XXXX, XXXX, XXXX, XXXX & all other reporting companies.

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: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery is stating I owe a debt of {$650.00}. I repeatedly disputed this claim several times via mail over the past year because this is not my debt and fraudulent activity with this account. I have never signed a contract or even received any paperwork from Portfolio Recovery stating that I owe the debt or details of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Mom ( XXXX ) has me transfer all her banking to XXXX XXXX  ( XX/XX/XXXX ) from Wells Fargo which include an IRA account With a maturity date of XX/XX/XXXX. My branch manager @ XXXX  & I filled out all paperwork, including POA verification- it was sent to Wells Fargo address on XX/XX/XXXX. 
XX/XX/XXXX, notified by XXXX that Wells Fargo sent paperwork back- transfer request had to be made on WF forms. Papers resubmitted. 
XX/XX/XXXX : still no word about IRA. Called XXXX IRA number on statement. On hold total of 2 hours. Agent explained problem was they did not have my POA. They never ask requested my POA, which is 12 pages long. Agent said no problem- Go into my local WF with my POA in hand & they would cut a check to XXXX  right there on behalf on mom. 
XX/XX/XXXX : Next day, went to local WF- told them why I was there. Branch manager wouldnt see me- sent me to employee who informed me that everything agent said was wrong. WF policy would not allow. Immediately sent copy of my POA via registered mail to XXXX XXXX- WF investment center . 
XX/XX/XXXX : confirmed POA was received @ XXXX XXXX via USPS tracking. waited ... .. no word. 
XX/XX/XXXX : Called local WF employee. He confirmed they had received my POA & check should be cut in 3 days. 
XX/XX/XXXX : I went to WF to find out why 3 weeks later my moms IRA was not at XXXX. 
Employee once again calls XXXX XXXX- gets run around- he has to escalate. No resolution. 
XX/XX/XXXX : went back to WF, now they say check cut in 5-10 working day. Totally unacceptable. Mom needs her money & we are tired of being taken advantage of. She is a very independent XXXX & I have just had to start helping her with her finances. Unfortunately I found out too late she was one of seniors that credit account opened for her by WF. That is why her WF bank employees were all new every time I took her there. 
I have just received word via phone that they have cut the check & MAILING it from XXXX XXXX to XXXX in Georgia. This is ridiculous that they can not transfer via wire immediately. Mom & I are both very upset. She is so glad she has moved her money out of WF. I dont  believe a word they say & its really scary to think of those seniors that bank with them that Dont have someone to look out for 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 2018-09-27
Company: ZINC Financial, Inc.,
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have recently obtained a loan using the title of a property I owe ( paid cash ) to purchase another property. Late on XXXX I received a statement regarding delinquent taxes. I contacted Zinc Financial and also the title company, XXXX XXXX XXXX  regarding this issue, and either one, is taking ownership to resolve this issue. Is the mean time, the delinquent has increased to {$480.00}.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I 've contacted Navient the last 2-3 years in regards to XXXX late payments they have for XXXX different loans on my credit report. Oin XX/XX/XXXX my husband was injured and out of work I called Navient and filed for a unemployment deferement and was qualified. I was told then that it would be retro active and not affect my credit. I noticed my credit reports with equifax and experian are stating XXXX missed payments on XXXX different loans for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I have asked Navient several times to correct this mistake as I was in deferment but to no avail. I contacted them and asked them to send me a list of all deferments and forbearance that I had on all my loans per their document I was covered under deferment and forbearance and they will not remove. Between XXXX and Navient I have been harassed, threatened as well as my family and friends during XX/XX/XXXX-XX/XX/XXXX. I am disappointed on how I am treated by both companies I. The past.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Hello, My name is " XXXX XXXX ". I have been trying to report inaccurate items in my credit report over past year and more often recently. However, none of my request are fulfilled. 
**Hard inquiries** XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX This charge off account is not mine, Please delete it!! 
XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX I have never receive any credit from this company, provide me full document or delete it!!! 
XXXX XXXX XXXX XXXX : XX/XX/XXXX. XXXX, XXXX This charge off account is unauthorized and date furnisher provided has violated Metro 2 reporting compliance by not reporting dispute status and incorrect and inconsistent Account Number. Provide me full document. I demand report of full reinvestigation procedure in the regulation time frame of 30 days. 
_XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX THIS ISN'T MINE, DELETE IT!!! 
_XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING dispute status. 
XXXXXXXX XXXX ONLY Inquiry : XXXX. XXXX, XXXX This account is mine, DELETE IT!! 1 _XXXX  Inquiry : XXXX XXXX, XXXX THIS CHARGE OFF ACCOUNT IS NOT MINE, PLEASE DELETE IT!!! 
_XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX This account is not mine, delete it!!! 
XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX I have never worked with this company, this account are inaccurate, delete it!!! 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX This account is not belong to be, i never receipt any credit from this company, DELETE IT!!! 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX This account is not mine, delete it!!! 
_XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX This account is not mine, There are several account like this in my credit report. The credit bureau might intentionally put them in my report. 
XXXX XXXX Inquiry : XXXX XXXX, XXXX This charge off account is not mine, provide me full documentation proofs that i am wrong or delete immediately!!! 
_XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX This account is not mine, DELETE IT!!! 
**Collection** _XXXX XXXX XXXX Reported XXXX XX/XX/XXXX I never received any loans or credit from this company. DELETE IT!!! 
XXXX XXXX XXXX XXXX : XX/XX/XXXX I never received any loans or credit from this company. Delete it or provide me full information and proofs that you has follow all the FCRA laws. 
_XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX THIS ISN'T MINE. DELETE IT!!!

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 2022-01-25
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Found several inquiries on my credit report that I did not authorize anyone or any company to make. I did not allow any company to send my information to any other company for gain or to open an account. 

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

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 2020-01-04
Company: EQUIFAX, INC.
State: NM
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, XXXX and XXXX XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports/files that do not belong to me.

Company response to consumer: Closed with explanation