BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-14
Company: Marlette Funding, LLC
State: NV
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
XXXX Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor, otherwise update this account immediately. UPDATE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
BEST EGG XXXX  Open Date XX/XX/ Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: Performant Financial Corporation
State: NV
Product: Debt collection
Sub-product: Federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
they said they will garnish my paycheck

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 2021-01-18
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 status incorrect

Complaint:
I settled the XXXX XXXX XXXX with collection account number XXXX XXXX XXXX XXXX. This account has been paid in full.

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 2016-10-25
Company: AES/PHEAA
State: PR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I have been receiving several calls from XXXX at all times, meaning from early am to late pm. They have been harassing my family and friends with personal about me, my place of work, etc. The person that has been harassing all the time is XXXX XXXX, the phone numbers are XXXX ; XXXX. She call me at my work and I have told her that she ca n't call me at my work and she has been continued to do it. I have n't received yet any communication via letter to know who they are. The only thing I know is because I search the telephone number to know who they are. My student loan was at my know with PHEAA, and I have n't received a letter from them in a long time. I want to renegotiate the debt but first I want to know to who I 'm going to give the money. Without a formal letter that let me know who has my loan I ca n't give a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is an account listed on my credit file National credit Systems show for {$720.00} this is unknown and I have disputed with NO verification received. I want this removed off of my credit file ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: EQUIFAX, 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:
As per FCRA : Courts do not furnish Bankruptcy information to CRAs directly..nor do Filing Attorneys.. 

So they must be put on the Reports by the CRAs from public record without authorization from the Consumer, Courts, or the Filing Attorneys. 

With that truth..then are CRAs only able to report information/creditors to a consumers report ONLY if it is furnished to them directly from the creditor/furnisher? In this case : Courts and or Filing Attorneys. 

If TRUE..then my Chapter XXXX will be removed now. Although we are approaching the 10 year mark..it was not DIRECTLY furnished to the CRAs for reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: SLM CORPORATION
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Sallie Mae is reporting a tradeline account to my consumer credit file. I learned that the loans are for a school by the name of XXXX XXXX XXXX XXXX was closed - shut down due to fraud. By continuing to report a tradeline with derogatorymarks Sallie Mae is in violation of the FCRA. I did not authorize any student loans to be paid to XXXX XXXXthrough Sallie Mae. Thus any and all activity on this account is fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
XXXX XXXX I was no longer a XXXX XXXX XXXX and I was having trouble paying my student loans. A few months later I applied for forbearance as well as an income driven repayment plan. On XXXX XXXX, 2016 I received a letter from Fed loans explaining that my application for administrative forbearance was approved. The approval was backdated to include the dates of XXXX The approval dates means that retroactive forbearance should apply to the late payments for the months of XXXX, XXXX and XXXX XXXX Based on this new information all XXXX credit reports should be updated to reflect the change. The late payments were accurate at the time, however based on this new information it should be updated. 
Based on 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies. 
All XXXX credit reports should be updated to reflect the new information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
When REPAYE was made available in XXXX 2015, I submitted my application to switch from the XXXX repayment plan to the REPAYE repayment plan. Since XXXX of last year, I have spoken with my student loan provider ( FedLoan ) several times to get enrolled. Each time I have called their customer service has assured me that I would be enrolled in the next month or XXXX, but now it is XXXX -- nearly XXXX months since I submitted my application -- and FedLoan still has not enrolled me in REPAYE. Earlier this month, FedLoan direct debited a much larger " accelerated '' payment ( as they called it ) even though my REPAYE application was being processed and I specifically called them to alert them to the scheduled direct debit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 am not satisfied with my complaint that got closed. Transunion did the do the accurate job when investigating a dispute. My prior complaint XXXX-XXXX. I wanted valid proof sent to me that is required under federal law.

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 2016-03-02
Company: 1st Franklin Financial Corporation
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
First Franklin in XXXX, GA obtained my banking information to process payments " ONLY WHEN APPROVED ''. However, they are consistently and randomly withdrawing unauthorized payments from my account. It started with my XXXX XXXX XXXX account, I had to end up blocking their business name from having the ability to use electronic debits. So they then slightly changed the name used to make electronic debts, and started withdrawing unauthorized amounts of money again. I then had to change my entire banking account information just to stop them. 

Then, XXXX the store manager pops up at my house to make " payment arrangements ''. I have spoken to XXXX, XXXX, and XXXX NUMEROUS times about my account. They PROMISED me that they would ONLY withdraw funds from my account, IF I authorized the payments. After dealing with them for quite some time now, I know and understand their scandalous practices, so I began recording EVERY call between myself and ANY representative from the XXXX office. 

Despite their promise to me to only withdraw AUTHORIZED transactions, they continue to withdraw monies from my account at their discretion, which are NOT AUTHORIZED. I have absolutely had enough of going back and forth, around and around with this company. I am reporting this matter to any and everyone who has any authority to stop them from STEALING money out of 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 2017-03-10
Company: SUNTRUST BANKS, INC.
State: MS
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2017 I received an e-mail from XXXXXXXXXXXX, purportedly from SunTrust Bank. This e-mail informed me that an Online Cash Manager Account had been opened in my name at SunTrust Bank and requested that I reply to complete the enrollment process. I do not have, nor have I ever had, an account with SunTrust Bank. Nor have I ever initiated the process for opening any type of account or service through SunTrust Bank. When I called SunTrust Bank their employees immediately requested my social security number. When I refused to give them that information they checked for accounts in my name. I was told that there were several accounts at SunTrust Bank that had my name on them. When I asked them to cross reference the accounts that bore my name with accounts that have my e-mail address associated as contact information they refused on the basis that they could not give out account information. In short, fraudulent financial activity is apparently being conducted at SunTrust Bank using my name but SunTrust Bank is refusing to give me any information about accounts held by them in my name. I need to know what fraudulent accounts are being held in my name at SunTrust Bank so that I can effectively pursue a prosecution of the individual or individuals who have used my identity to open fraudulent accounts in my name. Thank you for any help you can give me in this matter.

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 2021-07-09
Company: EQUIFAX, INC.
State: OH
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:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was ill XXXX symptoms XX/XX/2021. A bit recovered within last two days, I noticed, cyber hacking of home central devices, Missing electronic such as laptop, my accounts had been compromised, I immediately contacted my bank to reduce further loss, reported this to local then to federal cyber and identity crime enforcement. I provided the Merchant that I could reach and my bank with transactions and detailed affadavit and report number. I advised the funds of the account was federal issued fumds for self support, and it is crucial to the quality of life under such circumstances that I can remain healthy to the affordable care in which the Veterans benefits provide. This is the second amount in such circumstances involving Branch and XXXX which a foreign entity I reported here after not receiving a fair disposition of credit that will cause me to suffer for security failures and what's legally the duty of the Merchant to assure the extra measures are in place for transactions it allo to happen on. its platform with out the physical card for inspection and fraud prevention. Although the investigation is ongoing it remains unresolved with funds not yet being submitted as only a temporary necessity.

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 2021-07-11
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Wells Fargo has refused to remove the balance off the credit reporting system. We settled and they say that they will not remove at this time because I am represented.

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 2016-02-25
Company: WELLS FARGO & COMPANY
State: TN
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I signed for a car loan for XXXX XXXX, he has had car since purchase date of XXXX 2015. He has not made payments and I filed a suit in court to get car returned to me. He returned car to me at court on XXXX XXXX payment was 3 months behind. I paid on XXXX XXXX and on XXXX XXXX. As of today payments are caught up with exception of XXXX XXXX payment ( ten days past due ). I plan to pay this in the next couple weeks and try to sell the car. I explained this to XXXX XXXX at Wells Fargo extension XXXX several times. She keeps calling to have me set up a date to have it automatically taken out of my account, I have told her several times I do NOT want to do that, that I have made two payments this month and plan to get it caught up. She will not take no for an answer, she called me today at work, I told her I cant receive calls at work, she said well you answered did n't you, and she kept trying to keep me on the phone to set up a bill pay date to take it out of my account, I said no, she said why wont you do it? She is a very rude person who keeps calling me, even after payments have been made.

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 2015-10-22
Company: WELLS FARGO & COMPANY
State: RI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In 2012 I filled bankruptcy. Coming out of bankruptcy I obtained a Hardest Hit Mortgage at the end of that year, I worked with Wells Fargo to get a Loan Modification which saved my Home. Recently it came to my attention the Wells Fargo is not reporting my current 7 months on on time payments to the credit Bureaus. When I spoke with them they informed me that i did not sign a reaffirmation agreement with the bankruptcy and therefor they would not inform any credit bureau about my payments. I researched what a reaffirmation agreement is and found out that if I had signed XXXX that if for some reason I could not make my mortgage payments, then Wells Fargo could look for me for money if there was a shortfall under the Foreclosure. When I found this out I was very glad I never signed XXXX. However the fact is that I do have a mortgage in good standing with Wells Fargo and I think what they are doing is border line criminal, they are affecting my credit score, which I am trying to improve after my bankruptcy. This practice for any Financial Institution should be prohibited. Please let me know if you can intervene on my behalf or give me some guidance how I can inform the credit bureaus. Thank you my contact in formation is XXXX XXXX - cell XXXX - mailing address XXXX XXXX XXXX XXXX, XXXX, RI XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: Chime Financial Inc
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have been getting emails over the last several days ( XXXX - XXXX ) asking me to activate an account that I have never asked for at Chime Bank . When I called them, they kept on asking me for my personal information. They have an account associated with my phone #. When I refused to give them my information, they said there was nothing they could do. They have been hacked twice in the last two years. I will not give them my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: EQUIFAX, INC.
State: WI
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 several inaccurate inquiries on my credit report that are fraudulent. please look into the matter i spoke with someone who advised me to start here,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: EQUIFAX, 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 Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will file a lawsuit ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to modify my home loan five months and keep getting the run around. Every time I ask my representative if in fact he has all items requested, he states that he has everything then inn turn asks for more items or that he can not find the items. I was forced to file a bankruptcy due to their prolonged excuses. I am also entitled to a class action loan modification through Wells Fargo, which did bad ammoritized loans. I feel that they are trying to hold out so that they can foreclose on my loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation