BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-16
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The main reason for this complaint has to do with the unnecessary back and forth after submitting all required application information for loan repayment and PSLF criteria. Fed loan required one to submit a copy of loans from XXXX and XXXX XXXX ( given the loans have been transitioned so many times not by my choice ), however, Fed Loan verifies these and incorrectly verified the total number of loans paid, and took around 90 days to do so ( initially submitted XX/XX/2020 ). Subsequently, each attempt to re-upload the information never correctly changed the amount of paid loans until 2 months ago ( 11 months after initial application ). Since then, no letter of acknowledgement of qualification for the Loan repayment program have been sent to me, just verbal acknowledgement that it can take 90 days but I " should '' be okay. Acknowledgement that Fed Loan has the correct information is given but without specifying what this correct information is ( particularly in regards to number of monthly payments acknowledged towards the 120 loan payments required. At this point I also only have a verbal acknowledgement that my loan status should be okay when Fed Loan transfers my loans to the next loan servicer without a written acknowledgement of my qualification for the PSLF program given the last 10 years I have worked in a community hospital. After over a decade of public service, while repaying my loans, all I have is a verbal agreement that the rest will be waived at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
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'm writing to delete the following information in my file. These items I need deleted contain inaccurate information and must be deleted as soon as possible. I am a victim of identity theft and did not make these charges. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: The CMI Group, Inc.
State: NV
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on CREDIT MGMT. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or remove this from my personal file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) When the original date of default and collection activity began 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.

I have attached a police report and an FTC report for identity theft.

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 2017-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Delinquencies which occurred XX/XX/XXXX and XX/XX/XXXX have been re-aged, and are being illegally reported well past the Statute of Limitations for reporting negative credit information. I contacted TransUnion in writing ( proof of mailing and delivery receipt attached ) on XX/XX/XXXX, and again on XX/XX/XXXX regarding an accusation of re-aging a total of XXXX accounts from former student loan debts ( now paid in full as of XX/XX/XXXX ). On both occasions, I requested copies of my Consumer Disclosure files to obtain concrete evidence that my debts had been re-aged and were being reported illegally. 
Both requests for the documented payment history in my Consumer Disclosure files have been ignored, and the accounts erroneously " updated '' without any written proof of verfication whatsoever. A total of forty-one ( 41 ) missed payments are being illegally and improperly reported as of this date, XX/XX/XXXX. This has hurt my ability to obtain credit, and I continue to suffer damages as a result of this illegal activity by 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 2020-06-09
Company: EQUIFAX, INC.
State: MI
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 an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) When the original date of default and collection activity began 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.

I have attached a police report and an FTC report for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Experian Information Solutions Inc.
State: PA
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:
Experian is reporting misleading information on alleged late payments on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX- which falls under 15 U.S. Code 1692e. False or misleading representations. Also, I have not given them any written consent to furnish any information ; 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. This has caused a total of {$4000.00} in damages according to 15 U.S. Code 1692k - Civil liability.

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 2016-07-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Home Mortgage Wells Fargo Home Mortgage XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Well Fargo Line of Credit Loan Account Number Num : XXXX Balance {$13000.00} Well Fargo Real State Home Loan Account Number Num : XXXX Balance {$260000.00} Dear Sir or Madam, Complaint Department I am writing to dispute seriously misleading and damaging information in my Credit Report. The items I dispute are on the attached copy of my credit report. 

These items are ( inaccurate or incomplete ) because mistakenly listed as Unknown '' ) should say paid as agreed. 

As you well know the loan modification processes was delayed by the bank. 
The reporting they said I was supposed to be later corrected. It was never done correctly on the credit report. The loan process started in XXXX/XXXX/XXXX it has been 9 year this mortgage and line of credit most be removed from my credit report. Clear up the mistake. 

Pursuant to my rights under the FRCA, this item should be deleted to accurately reflect my known credit. 

Enclosed are accurate copies to support these facts my understanding of the FRCA indicates I can expect a written response from you in the very near future. Thank you for helping to resolve this important matter. 

I really hope you will work with me on this. Please help me come up with a solution quickly to resolve the current status on my credit reporting. And keep your word as to credit reporting should be latter corrected Sincerely, 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 2020-06-09
Company: Experian Information Solutions Inc.
State: MI
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 an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) When the original date of default and collection activity began 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.

I have attached a police report and an FTC report for identity theft.

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 2019-12-18
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX keeps reporting incorrect dates of reporting with XXXX, XXXX, and Experian which the account was opened in 2001. It is currently in dispute with the Dept of Education. I was unaware that I would even have a loans that I would have to repay due to XXXX XXXX XXXX fraudulent activity. 

I have disputed the dates that XXXX  XXXX XXXX has been reporting these loans incorrectly for many years and I have been disputing with the credit report agencies the last 4 months. This company is also reporting this loan multiple times on my credit reports which if it dispersed on same date should be one loan NOT MULTIPLE LOANS. They continue to report these accounts incorrectly, and are fully aware they are incorrect. XXXX  XXXX XXXX is using fraudulent activity which unlawful per the Fair Credit Reporting Act.

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 2015-04-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I moved from XXXX to XXXX switched my insurance and notified Wells Fargo of the new insurance information. Well Fargo neglected to update my current insurance information. Wells Fargo charged my loan for an insurance policy without contacting me. Once I realized what they did I contacted them and was told everything would be reversed. That was 4 months ago. They continue to hit me with late fees and finance charges. I even have a recorded conversation from XXXX/XXXX/XX/XX/2015 where she says she will reverse and nothing was done according to my XXXX statement

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-09
Company: U.S. BANCORP
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XX/XX/2020. I submitted transfer from one bank, US Bank, to XXXX XXXX. It was around 4. Within 10 minutes of the transfer, I called US Bank and they said they could not cancel it. They told me call XXXX XXXX. I called, they said they couldn't cancel it without the other banks special number. I called back, US Bank said they couldn't help me. I did the same song and dance on Saturday morning to no avail. Then, I waited all day today, Monday to let it fix itself. It didn't. I called US Bank and got 2 other assoicates. Each XXXX. Each uninterested. One was XXXX, her manager was XXXX employee number XXXX. If I call about unemployment benefits, don't have a I don't know or I don't care attitude. Find an answer. If you reference a policy, tell me what it is. Email me what happened. They did nothing. Terrible.

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 2016-09-18
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card
Issue: Rewards

Complaint:
I signed up for the American Express Platinum card offer of XXXX points for {$3000.00} spend in the first three months. This application was submitted and approved on XXXX XXXX, 2016. The points became available in my account on XXXX XXXX, 2016. After being unable to use them, I was advised my account was under review and would take 6-8 weeks to process. After 8 weeks, on XXXX XXXX, 2016, I had American Express submit an escalation. On XXXX XXXX, 2016, I finally received a voicemail to call in. 

When I called in, I was told my points were removed for not fulfilling the terms in receiving the points. Originally, I was told, by representative XXXX, that even though I had over {$3000.00} in qualifying purchases it was because I had some non-qualifying purchases in there and it had to be the FIRST {$3000.00}. This is not consistent with the terms, so we escalated to a Manager, XXXX. The Manager informed me that they do not know the exact decision, but there are no ways to appeal or speak with someone regarding that decision. 

I believe that I satisfied the requirements with over {$3000.00} of qualifying purchases within the first 3 months. The points were unfairly removed from my account. 

Throughout this process, American Express never sent any communication to me to inform that my account was under review or what the status of this review was. I needed to call in to find out any details. Only once my final escalation was resolved did I receive a voicemail to ask me to call in. At this point, the decision was made. I was never afforded any opportunity to discuss my situation with American Express. Even if there was not enough of qualifying spend, the practice of awarding the points early and then creating a window of review that goes beyond the qualifying window is very deceptive. If points are later taken back, and extension should be granted to allow the customer to make up the difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: WELLS FARGO & COMPANY
State: WY
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
In XXXX XXXX I contacted the wells Fargo bank manager in XXXX that I needed to open a savings account in my XXXX year old mothers name. I was promptly informed that I would need my mothers ID as well as mine to do so. I had to return home to retrieve my mothers ' information. Since XX/XX/XXXX I have had Power of Attorney for her and had filed a copy of the document with Wells Fargo at that time. At the time of filing, The bank had their attorneys look over the document to determine if anything needed to be done. My mothers account ( XXXX XXXX XXXX ) was sent up as a checking account and noted as a Trust. I can not be listed on that account as I am a recipient of the Trust, however, the Bank allowed me to pay her bills and expenses for her personal and business activities from there with out question as her Social Security Check and Retirement Checks all deposit into that account! I have been doing this since XX/XX/XXXX. 
The ( New ) branch Manager of the bank informed that she had no file of the Power of Attorney and that I was not authorized to get into my mothers funds! I did not have a copy of the document on me and was not about to make a THIRD trip back to my house to produce the document as the bank should have had it on file somewhere! 
The manager became quite rude with me and told me that I was committing fraud by not producing the paperwork. I left the bank telling the branch manager that I would simply take our business elsewhere! 
A few weeks later I get a visit from the State Department of Family Services investigating me for fraud and even questioning whether I was her son ( our last names are different ). The complaint was filed by Wells Fargo Bank. 
Needless to say I showed proper documentation to DFS and the closed the investigation. Contacting DFS and filing a complaint was and is way above the duty of the bank! This caused a lot of stress on me and my mother and was completely unnecessary. 
For a company that is currently under indictment for fraud of is customers, You have a lot of 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 2022-05-13
Company: Experian Information Solutions Inc.
State: IN
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 to the Fair Credit Reporting Act and XXXX account number- XXXX has violated my rights. 

15 U.S.C 1681 Section 602 S states that I have the rights to privacy 13 U.S.C 1681 Section 604 H section 2 it also states that a consumer can not premise my 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 explanation
Consumer complaint received 2019-12-11
Company: ProCollect, 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:
On XX/XX/XXXX an account from Procollect collection was added to my credit from XXXX XXXX XXXX XXXX in the amount of XXXX. My lease expired XX/XX/2019 and I moved out XX/XX/XXXX. I did not sign an extension ot renew my lease for these apartments and my rent was paid in full for the month of XXXX even though I moved early. I would like this collection to stop reporting to the bureaus and this account removed from my credit.

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 2021-11-16
Company: I.C. System, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I did not open an ATT U-Verse account on this date, in my name or anything of the matter. This is hurting my credit by them saying that I owe them {$1600.00}. The company is some company that AT & T must have hired. ( ^ IC SYSTEMS COLLECTIONS XXXX Address po box XXXX XXXX XXXX , MN XXXX Date Opened XX/XX/XXXX Account Type Open Account Phone ( XXXX ) XXXX Balance {$1600.00} High Balance {$1600.00} Past Due {$1600.00} Date Closed XX/XX/XXXX Responsibility Individual Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX Original Creditor XXXX XXXX XXXX Pay Status >In Collection< Estimated month and year this item will be removed XX/XX/XXXX They are adversely hurting my credit & I did not open this account!! Please help me. Thank you so much for your time & due diligence.

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 2020-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
TRANSUNION XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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  PUBLIC RECORD FRAUDULENT ACTIVITY U.S. BANKRUPTCY COURT CH XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: VA
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 XXXX XXXX acct # 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 XXXX XXXX XXXX XXXX  XXXX acct # 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 response to consumer: Closed with explanation