BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-13
Company: EQUIFAX, INC.
State: MO
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus ( XX/XX/2023 ), but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. The following accounts needs to correct or removed immediately : XXXX XXXX XXXX Balance Owed : {$28000.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} -Please check the Payment History and Status information on this account and adjust accordingly. XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$3000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. XXXX XXXX XXXX XXXX XXXX Balance Owed : {$860.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please update it immediately. XXXX XXXX XXXX XXXX XXXX Balance Owed : {$860.00} - I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account. 
XXXX XXXX  XXXX XXXX Balance Owed : {$1300.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. XXXX XXXX Balance Owed : {$0.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. XXXX  XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3000.00} - XXXX believe this account is reporting inaccurately. I do not recall ever

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Experian Information Solutions Inc.
State: NV
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$350.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-07-09
Company: PLANET HOME LENDING, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Planet home lending took over my mortgage from XXXX. They required an escrow to pay property taxes. This was not my choice- I would have preferred to pay the taxes myself as I am ultimately liable for unpaid taxes. 

However, they did not check if there were taxes due and recently, I received an invoice from XXXX XXXX about unpaid taxes, penalties, and interest. There is about XXXX dollars of my money sitting in Planet  Home lending 's escrow account and they can't even pay my taxes as they are required to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Selene Holdings LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Important fact : I am not the note holder on the bank note in question. 
I am a property owner listed on the deed of trust to a property Selene Finance is pursuing foreclosure on. 
Last payment paid to Selene Finance was XX/XX/XXXX. 
Bank note holder filed bankruptcy and it has been XXXX XXXX Relationship to bank note holder : x-wife. 
Refinanced XX/XX/XXXX new deed, x-husband tool bank note in his name as per divorce, mine remained on deed of trust as he owed me {$50000.00} in equity. 
New deed paperwork was signed at my home in a different state and is noted on the deed. 

I received a call from a realtor on XXXX XXXX inquiring why we were letting the home go to foreclosure? 
I had absolutely no knowledge. Selene Finance or the XXXX XXXX XXXX and XXXX made absolutely no attempt to notify me the property was at risk or being foreclosed on. Spoke with XXXX and XXXX on XX/XX/XXXX who confirmed my name and present address was in the file however all correspondence was being sent to the vacant property being foreclosed on. 

Quick claim deed executed on XX/XX/XXXX and recorded on XX/XX/XXXX deeding the home solely to me. 
Home listed on the market XX/XX/XXXX. 
Contracted to sell on XX/XX/XXXX with a settlement date of XX/XX/XXXX I have tried repeatedly to speak to Selene Finance. I have provided the new deed as asked by Selene Finance rep XXXX on XXXX XXXX so they could add me as succession. They refuse to add me. 
I have spoke to XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX who have become increasingly hostile. 
I am trying to ask for the excessive amount of fines, fees and charges be removed as they failed to contact all property owners of default.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Wells Fargo Bank Certificate of Deposit matured XX/XX/2023 ( joint account with my spouse ). I closed the account today XX/XX/2023 via Wells Fargo customer service ( phone ) which is within the grace period of 7 days. I instructed to deposit all the funds into our existing joint DDA account at Wells Fargo. I was told the funds would not be available for 2 business days. This is not compliant with Reg CC.

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 2022-09-30
Company: EdFinancial Services
State: NJ
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:
On XX/XX/XXXX, I contacted XXXX after receiving the news of Bidens Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that started in 2020. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days. I was a pell grant recipient and am therefore eligible for XXXX in forgiveness. Throughout the pandemic I made payments totaling {$4000.00}. 

It seems as though edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, XXXX are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX and edfinancial wont be processing any of these in time for us to receive forgiveness. They stated that our loan balances wont be reinstated until the refund is processed which wont be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 

They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other peoples loan providers reinstating their balance after requesting it just 36-72 hours later makes me very concerned that this company does not have our best interests at heart.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: BSI Financial Holdings, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
BSI financial keeps increasing my escrow payments each year stating that they shorted my escrow account. I never receive a detailed escrow report before the increase with the options to settle the account. This is the second year in a row that my mortgage has gone up and now im paying double what i started when I bought the house. I know this company has settled lawsuits in the past for similar issues with clients. I can not afford to have my escrow payment increased by hundreds of dollars every year. I did not get a choice on who buys out my mortgage. I have never had my escrow shorted as much as this company has and ive been a homeowner since XXXX. I would like to have my mortgage switched to a different company who will actually sent a detailed escrow statement each year like they are supposed to so that I dont have surprises every year. its hard to make a budget when they are not consistent. My current account says im XXXX short but there is no where to indicate that Im the XXXX short they are claiming.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: EQUIFAX, INC.
State: LA
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:
Hello, My name is XXXX XXXX XXXX. I am writing to delete the following information in my file. The items I to be need to delete are listed in the report. I am a victim of identity theft and I did not make the charge. I am trying to get a new card and these items reported wont get me approved. I am asking the items be deleted to correct my report. I have reported the theft of my identity to the Federal Trade Commission and I also have enclosed a copy of the Federal Tade Commissions Identity Theft Affidavits. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Experian is reporting information on my credit report that I did not give any written authorization to. Congress made it clear that consumer reporting agencies like Experian ASSUME vital roles in assembling and evaluating consumer credit and other information on consumers Pursuant to 15 USC 1681 ( 3 ). I have been violated by the lack of privacy and how Experian has not made it its grave duty of responsibility, fairness and respect to the consumer right of privacy. The following account XXXX XXXX is being reported without my written authorization. I've demanded that this account be removed as it's a violation of my private information & Experian failed to remove it. Experian stated the account is verified, which I then via USPS mailed Experian a Method of Verification Letter to provide validity of the account. Which they failed to do so.

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 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be corrected and deleted. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get deleted immediately : 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

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 2023-07-10
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2023 I applied for an American Express Hilton card that offered XXXX points when spending {$2000.00} in 3 months. At first, I got rejected for the card, so I called the customer service line and asked if they can reconsider me for this card. The man over the phone at first said I wouldn't be able to get the points since the offer had expired but I explained it is active on the AMEX website. He then realized he was wrong and figured out a way to get me accepted. I asked him if I will get the bonus points 100 % for sure. He said yes I will MULTIPLE times & even proceeded to read me the rules about how to get the bonus. After receiving my card I spent the $ XXXX. I then asked a customer service representative on the mobile chat if I got the bonus points and they said I did not get accepted. Even though the guy on the phone reassured me multiple times that I got it, it didnt matter to them. 

So far I have reported them twice on here and they claimed that I did not accurately provide the correct description of the phone call. The guy on the phone told me MULTIPLE times I got accepted for the bonus offer. They won't even admit it in the response back on here. They seem to have listened to the phone call but will not provide back the TRUTH. 

I will have to file a lawsuit in 45 days from today. I already spoke to 2 lawyers who have said I have a good case. I don't want to go that route but I have no other option.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Experian Information Solutions Inc.
State: WA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been a bump into going over this and I am submitting this complaint OVER AND OVER AGAIN to remove the following fraudulent accounts in my file that are reporting on Experian Credit Bureau. How many time should I told you that I am a victim of identity theft and I did not create the responsibility or the accounts? I have requested that the accounts be removed to correct my credit report. I have already 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 Report and my Police Report which I filed on my local Police Department. But guess what? Nothing has changed! I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged accounts below showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt PLEASEDELETE IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$17000.00}, XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$10000.00}, XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$8100.00}, XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$11000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$83000.00}, XXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX Balance {$1800.00} XXXX COUNTY OF XXXX XXXX Date opened XXXX XXXX, XXXX Balance $ XXXX-Late/Closed Late Dates 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 2023-05-13
Company: EQUIFAX, INC.
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$43000.00} XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$610.00} ATTYGENERL XXXX Balance : {$43000.00} ATTYGENERL XXXX Balance : {$36000.00} XXXX XXXX Balance : {$330.00} XXXX XXXX Balance : {$460.00} XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX : {$38000.00} XXXX XXXX XXXX XXXX Balance : {$44000.00} XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX Balance : {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reached out to experian regarding an account with XXXX XXXX ACCT # XXXX {$130.00}. The dispute was issued online electronically ok XX/XX/22 on XX/XX/22 experian stated they spoke to The company and they said the account is mine. Heres the thing I spoke to We financial and they sent me a letter mentioning the account isnt mine, they also Mentioned they never spoke to anyone from experian, on top of that this account has been removed by XXXX and XXXX Im simply asking for a removal of 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 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My XXXX XXXX XXXX daughter XXXX XXXX is trying to get student loans for college and has been denied as Transunion is showing a " block ''. When she calls XXXX, they will not speak to her as she is under XXXX. She was advised to make an online account and we tried that but it will not allow her as she is under XXXX. I made an account but I am unable to communicate with them as I am not her! They want me to get power of attorney for her, in order to speak to them, although she is sitting with me when I call! I have called multiple times, so has she. Sometimes they tell her a few things such as they have one digit in her SSN wrong. We have had to both fax and mail a copy of her SS Card, drivers license, my drivers license, my paystub showing my address and her birth certificate proving I am her mother, along with a note asking them to " unblock '' her credit. She is alternating being told that there is a block on her credit and that one digit is wrong. We really do not know the truth. We have also utilized the chat feature that Transunion is pushing, but the people on chat say to call, this can't be handled in chat. I have explained they will not speak to either of us, and still no one is helping. I have filed a XXXX complaint and it seems that was closed when Transunion told them I need power of attorney. For my XXXX XXXX XXXX child who lives with me her whole life! 

So she was denied her student loans for this reason. After waiting XXXX business days since the last time we mailed in the appropriate documents and request, she called Transunion yesterday XX/XX/XXXX, the person on the phone said they did not see any issues so to assume it was handled. We again applied for the student loan yesterday and today was denied again! stating Transunion has a block. This is absolutely ridiculous. She will not be XXXX until XX/XX/XXXX but her tuition is due XXXX. We have been messing around with Transunion on this since late XXXX. The bank who she has applied for her student loans through says the other XXXX credit reporting agencies do not have a block and Transunion is the only 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