BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-15
Company: CAINE & WEINER COMPANY, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX as I monitored my XXXX credit report I notice a collection from Caine Weiner that I am not repsonsible for. I believe I am a victim of Idenity Theft. I have sent request to XXXX XXXX  and XXXX and have not recieved updated information. Below is documention of the transaction CAINE WEINER Original creditor : XXXX XXXX Balance details 10 % of this account is paid off Balance {$350.00} Balance updated XX/XX/XXXX Original balance {$390.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Open account Status - Status updated XX/XX/XXXX Payment summary No payments have been reported on this account. 
Comments Account information disputed by consumer Your statement - Contact info Name CAINE & WEINER Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I started a home refinance with Wells Fargo in XX/XX/XXXX. I have met all of the conditions, been approved, paid for the appraisal, submitted all necessary doc -- several times. I keep being told everything is fine, just paper work delays on their part, yet is going on 5 mos now and we still have not closed despite being told repeatedly everything is fine. We were originally set to close in XX/XX/XXXX. When I 've called and emailed management, they apologize and say they will look into it and call me back ... 2 times they said this and have not called back. I would appreciate assistance with this, every month I am delayed I am pay hundreds of dollars more for my mortgage. 
I then receive and email from the customer service manager for mortgages asking how the loan is proceeding. I respond with the issues, and he replies that he will call me the next day. He does n't call or returns my emails. 
I now have been asked to again provide updated documents because the other have expired because this has take so long. I want to emphasize, we qualified for the loan, have had no issues with out paperwork and have many emails saying everything is fine.

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 2020-01-10
Company: AES/PHEAA
State: OH
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:
FedLoan incorrectly notified me when I needed to re-certify my loans for IBR in XXXX. I received notice from them on XX/XX/XXXX that said I needed to recertify my loans by XX/XX/XXXX or my payment would increase to {$480.00} with the first payment due XX/XX/XXXX. 

When I received my XXXX bill, my payment amount had already changed to {$480.00}. When I called they said I had made 12 payments already on my current IBR plan. I explained I had just received a letter that said I needed to recertify by XX/XX/XXXX and the payment amount not increasing until XXXX. I paid the full amount of {$480.00} because I did not want to miss a qualifying payment. 

I submitted my IBR documentation for immediate review and received a revised payment of {$230.00} with first payment due XX/XX/XXXX. 

FedLoan admitted their letter was incorrect and should have been sent 60 days sooner than it was. On XX/XX/XXXX they told me FedLoan could perform an override and provide me a refund. 

It has been 17 months and no override has taken place and I have not been refunded. I am nervous about filing the complaint and receiving a refund because I am on PSLF. I can see this causing cascading issues with my qualifying payments because FedLoan has already shown mishandling of that information with my account. Extra care and caution must be exercised with resolving this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-10
Company: EQUIFAX, 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:
the information of my credit report is not correct and invalid items are on my credit report that should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Savings account
Issue: Using a debit or ATM card

Complaint:
HiI received a notice that my account had fraudulent activity and they were issuing me a new card : see notes belowATM/debit card ending in XXXX XXXX XXXX, We 're letting you know your ATM/debit card may have been part of a compromise at an undisclosed merchant. This does n't mean that fraud has or will occur on your account. However, as a precaution, we issued you a new card that will arrive soon in a Bank of America ( R ) envelope with a XXXX, Delaware, return address. 
Please activate your new card as soon as you receive it. And, keep in mind : Your current debit card will deactivate on XXXX/XXXX/2015 or when your new card has been activated, whichever comes first - If you have an ATM-only card, it remains active until the deactivation date regardless of when you activate your new card Your PIN and checking or saving account numbers are unchanged. 
Your security is important to usAs always, your card comes with {$0.00} XXXX XXXX which means we 'll credit fraudulent charges made with your card back to your account as soon as the next business day, if promptly reported to us. 
Also, your new card now has new chip technology that provides stronger security when used at a chip-enabled terminal. For more information, visit bankofamerica.com/chipcardfacts. 
We 're continuously monitoring your card ; however, if you do notice any transactions you did n't make, please call us at XXXX. 
I have overdraft on my account and and i informed this back two days ago that I needed to make a large purchase today. They put a hold on the overdraft funds from my savings account and I ca n't also access my regular funds from savings. I verify the transaction to the fraud department and I was told by the fraud department to wait XXXX hours so that the hold will release. I was able to get out XXXX and needed to get out XXXX in total. I do not believe they have any justification to hold my funds nor apply it to my account if I have overdraft which I just took off my account today. XXXX the supervisor in customer service just helped me after I informed them I was making a complaint the XXXX. 

Kind Regards, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: ORG GC GP Buyer, LLC
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I submitted a request for FULL VALIDATION of documents from GC services on alleged debt of which they only provided systematic VERIFICATION documentation. 

They did Not provide ALL actual validation documents as requested. Below is the Validation documentation missing. Below is what was originally requested : ****DEBT VALIDATION LETTER**** To Whom it May Concern : This letter is being sent to you in response to me regarding account # XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and *VALIDATIONis requested. This is NOT a request for " verification '' or proof of my mailing address, made pursuant to the above-named Title and Section. I again respectfully request your offices provide me VALIDATION with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; 2.The agreement bearing my signature stating that I have agreed to assume the debt ; 3.Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4.Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed : Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all future attempts to collect on debt including excessive calling must cease, moreover credit report deletion. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: Credit Bureau of Carbon County
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I 've gotten several calls on my cell phone from these people ( XXXX XXXX XXXX at XXXX and XXXX am ; XXXX XXXX XXXX at XXXX and XXXX am ; XXXX XXXX at XXXX and XXXX am ) and as I do n't know their number, I do n't answer. 

What leads me to believe this is a scam is that I 've never given my cell phone number out to anyone other than family and friends, nor has this company ( internet searches of their phone number show them to be " XXXX XXXX, XXXX '' ) sent me any written correspondence like a reputable or real collection agency would. 

When I called them today to find out who they are, they refused to identify themselves or the nature of their business. I told them to remove my name from their list and they demanded my name, address, and SSN to make sure I was not the person on their account. This is a clever way to get my personal information, and they refused to remove my name without receiving all my info first. Needless to say they got no information off me, but they 're still out there trying to scam people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: EQUIFAX, INC.
State: MD
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:
In the month of XX/XX/2021, multiple inquires were added to my account. This was completely unauthorized and done without my knowledge or permission. As a result, my credit score has dropped significantly for something i did not authorize or do. I have no idea where these inquires came from because i never inquired about anything in the month of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: CT
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 XXXX for XXXX XXXX XXXX XXXX Account # 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 non-monetary relief
Consumer complaint received 2015-07-06
Company: Williamson and Brown, LLC
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a few debt collectors that have tried to collect on a debt that has been paid, for a while now, and they say I still owe it. This is for a credit card, I have faxed the letter from when I paid it and they still keep sending it to different collection agencies. This has affected my correct score. Please help with this.

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 2020-01-10
Company: EQUIFAX, INC.
State: IL
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:
The loan process was fairly easy. Didn't have any issues until I was notified that I could refinance. Called and stated I am interested in refinancing and XXXX the Branch Manager stated she would get the loan paper work started so i could come in a few days later and sign paperwork. When I came in, nothing was started per the other associate sitting in the office. They also stated i need proof of address and a paycheck. No biggie but, would have been nice to know prior to showing up. Come back with the required documents & specifically ask twice in two different ways whether and hard inquiry would be placed again on my credit from refinancing my loan. Answer was no. Next day, I received an alert stating a hard hit on my credit from XXXX XXXX. Called XXXX XXXX & the lady that answers, stated they shouldn't have ran credit within a year. XXXX calls back and says, " I said there would be an inquiry ''. If that was the case, I wouldn't have done it and told her that. Hook & bait. I was very clear when I asked the question & was told there wouldn't be an inquiry. UNAUTHORIZED INQUIRY needs to be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
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 dont believe that this account is correct, but it's being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have never lived at the following XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX pa XXXX Please remove the following I have disputed with transunion XXXX and XXXX and they update as accurate please remove.

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 2022-06-16
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: Personal information incorrect

Complaint:
I have never lived at the following XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX pa XXXX Please remove the following I have disputed with XXXX equifax and XXXX and they update as accurate please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Have sent letters to the XXXX credit bureaus regarding the reporting of a a chapter XXXX bankruptcy that they are reporting that they state has been verified by XXXX only XXXX is not reporting a chapter XXXX bankruptcy on their credit report. I've requested a letter from XXXX twice to show this and they have sent me my credit report which does not show a chapter XXXX, it only shows a chapter XXXX which is dismissed and has been removed from my credit reports.

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 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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  # XXXX is reporting a collection to my credit report that is in violation of my 30 Day Right to Dispute, I never received any kind of notice for this collection and I settled it as soon as I found out about it. This should not be on my credit report and needs to be removed immediately.

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 2020-01-10
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
With XXXX XXXX/AES I have been told that I eligible for several different forebearance and in school deferment options, and when I check back I am being told I am not eligible for anything because I am past my grace period. I am not even eligible for lower payment and as I have applied for other things I have been told I am eligible for and have been turned down ... I am behind over XXXX. I have been in touch with many different representatives who have told me different things and today I was just told I am not eligible for anything. This is very frustrating and I need help trying to work out a affordable flexible repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: Experian Information Solutions Inc.
State: IL
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:
The loan process was fairly easy. Didn't have any issues until I was notified that I could refinance. Called and stated I am interested in refinancing and XXXX the Branch Manager stated she would get the loan paper work started so i could come in a few days later and sign paperwork. When I came in, nothing was started per the other associate sitting in the office. They also stated i need proof of address and a paycheck. No biggie but, would have been nice to know prior to showing up. Come back with the required documents & specifically ask twice in two different ways whether and hard inquiry would be placed again on my credit from refinancing my loan. Answer was no. Next day, I received an alert stating a hard hit on my credit from XXXX XXXX. Called XXXX XXXX & the lady that answers, stated they shouldn't have ran credit within a year. XXXX calls back and says, " I said there would be an inquiry ''. If that was the case, I wouldn't have done it and told her that. Hook & bait. I was very clear when I asked the question & was told there wouldn't be an inquiry. UNAUTHORIZED INQUIRY needs to be removed from my credit reports.

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 2017-07-19
Company: ENOVA INTERNATIONAL, INC.
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I borrowed money from Cash Net USA, the sum of {$450.00} sense that time I loss my job and they new this. They called me several times and I told them my income had dropped tremendously but they kept calling me. Then they started running a check through my account every night until the bank closed my account. I paid out more than {$400.00} in over draft fees which could have been their money but they ran a check through my account every night until I have no account now. I did n't know that my account had been turned over to a collection agency until today when I received a notice from the XXXX. It stated that Cash Net USA had turn my account over to XXXX XXXX XXXX. I have been receiving a lot of calls from credit adjusters over the pass couple of months they call me at lease 3-4 times a week. They ask me for personal information such as my Social Security Number and my birth date and I refuse to give that information. We were told by the Federal Government not to give out personal Information over the phone because you never know who you are speaking with on the other end of the phone. I refuse to give out that information. XXXX XXXX XXXX refused to give me their address instead they started asking me a lot of questions, all I wanted was the address from them and they refused to give it to me instead they asking me a lot of questions.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
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:
XXXX This is still on my complaint and I havent heard back its been several months. This is negatively impacting my score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 submitted XXXX disputes and none of the false account on my credit report have beeen removed ... ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief