BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-26
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I disputed with the credit bureaus and told them that there are multiple duplicate student loan accounts on my credit report and if they ca n't determine which ones are duplicate and original, that they must delete them all.

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 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1. XXXX  XXXX  XXXX XXXX  Account Number : XXXX Bal : {$140.00} 2. XXXX XXXX Account Number : XXXX Bal : {$270.00} 3. XXXX XXXX XXXX  Account Number : XXXX Bal : {$320.00} 4. XXXX XXXX XXXX Account Number : XXXX Bal : {$29.00} 5. XXXX  XXXX  Account Number : XXXX Bal : {$6100.00} 6. XXXX XXXX  XXXX Account Number : XXXX Bal : {$2700.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.

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 2022-04-08
Company: John C. Heath, Attorney at Law, PLLC
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
Since XXXX and post-divorce I have worked very hard to improve my credit and have accessed services through Lexington Law. I have financed XXXX vehicles since then. I paid off the loan amount in the entirety from the first vehicle XX/XX/XXXX. I made a down payment and received a loan for a car purchase with and interest rate of 6.54 %. 

However, my credit still does not permit me to have a credit card and I am not fully understanding why this is not occurring when my car loan amount is much lower and my annual income has increased since XXXX. Please advise what the issue is. I have reported several incidents of fraud and placed freezes on my credit since XXXX. How come I have a lower APR but do not qualify for credit in other places.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom it may concern. 

On XX/XX/XXXX I filed a dispute due to an unexpected decrease in my credit report. 
After investigation, I found 3 fraudulent accounts opened under my name XXXX XXXX XXXX opened on XX/XX/2022 ; XXXX  XXXX on XX/XX/2022 and XXXX XXXX on XX/XX/2022 ). All of them in utilities companies. 

I own a property with my wife from XX/XX/2022, where the utilities are covered by the condominium company, so there is no reason to open accounts in any other spot. 

I try to have an exemplary control of my finances and in the last 6 years I havent had any late payment. I created an account in identity theft trying to support the evidences. 
This is the second time in one year that I have to place a dispute for utilities and there is not reason for credit bureaus to avoid my dispute since is a clear fraud under my name. 

Please help me out in this process as this situation is frustrating my time and patience. 

Im open to demonstrate this fraud and support to solve it. 

Thank you in advance.

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 2022-08-02
Company: Freedom Mortgage Company
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My XXXX Escrow account was short due XXXX XXXX taxes. XXXX XXXX treasures office sent a refund in XX/XX/XXXX. Refund was applied but Freedom Mortgage continued to have difficulty adjusting my mortgage account & payments. Each month they continued to charge me for a shortage and late fees. I called on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and each representative told me that they saw the issue in the notes and would submit my account for review. I was also told that my new payment would be reduced effective XXXX and that I would see it on my next statement. Fees would be removed and the late fee I paid would be refunded. I just received my XXXX invoice and nothing has been corrected. Today, XXXX, Im on the phone with an XXXX XXXX who told me I was provided wrong info and Sorry and that I have to pay. Nothing she can do about it. Ive asked to speak to a supervisor. Spoke to XXXX- she informed me that there is nothing they can do, they can not adjust the amount back to XXXX, even though thats what the rep told me, the rep gave me wrong info and that I owe the unpaid amount. 
XXXX XXXX XXXX XXXX, a veteran, this is my XXXX home and Ive never experienced any issues with any lender until Freedom Mortgage. I only want them to fix my account like they said they would.

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 2022-09-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is an account on my report that wasnt me I currently still have the service and dont currently owe them anything there was someone and I cant take responsibility for it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Two days ago, I got an email of checks in large sums being deposited into my account, I tried to log into my account but it kept telling me that my log in information was incorrect, as soon as I received the email I called XXXX and they told me to call again at XXXX when the claims department opened ( this was around XXXX ), I called and filed a claim, opened a new checking and savings number and went from there. I received an email this morning that they are trying to close my account even though I told them that I have never deposited a paper check into my account and havent had my physical card ( hence they are sending a new one ). As a person who has only had this problem one other time, WITH XXXX Im Tired, I Work two jobs and I am a XXXX XXXX XXXX, my money and my checks get deposited in that account THROUGH DIRECT DEPOSIT. Not only that the balance is XXXX dollars, they said it was withdrew out of the account which if it was at an atm CHECK THE CAMERAS? If It Was At A Store CHECK THE CAMERAS. Im a human being, I may not be a big business but I work hard for my money for someone to steal from me and the bank to not back me up and help, my account had {$0.00} in savings and {$0.00} in checking, I Got a direct deposit of {$230.00} from my job at XXXX on Tuesday which the bank put towards that negative balance and I get paid this Friday and Im losing out on two checks! Im need that money to help my mother and her medical bills. I dont care if they close the account anymore, its been made clear that they revolve around money and dont care about the customers that suffer from the lack of their protection. I pay all my loans and credit cards on time and have a good history so they shouldve took that into account, Ive paid back every negative balance that I, MYSELF, have caused but this is atrocious, I want my money back, And I need Them To Figure out what they are going to do for future customers. I need them to throughly investigate and when they realize it wasnt me that deposited {$4500.00} worth of checks nor was it me that took that money out, they need to reverse every last fee they gave me and give me back the money thats deposited as I look for a new franchise to bank with.

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 2022-08-02
Company: AES/PHEAA
State: KY
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 is not giving updated number of payments. FEDLOAN is not updating my account consistently with CARES ACT. 

- employment has been verified XX/XX/XXXX - fedloan is not counting payments until XX/XX/XXXX ( when consolidated, which limited waiver of CARES said is incorrect )- they are not counting my employment dates in XXXX and XXXX and XXXX of the recent year XXXX with last employer despite form from company - i want an accurate count which should be XX/XX/XXXX and expected payoff as of XX/XX/XXXX as I have been employed and had verified since XX/XX/XXXX and made payments every month until XX/XX/XXXX with CARES ACT taking over and attempted payments XX/XX/XXXX to XX/XX/XXXX but not full payments due to approved hardship ( which CARES ACT still states should count ) - FEDLOANS HAS ADDED MORE YEARS TO MY SERVICE NEEDED FROM 10 YEARS ( XX/XX/XXXX TO XX/XX/XXXX ) TO NOW REQUIRING XX/XX/XXXX!!!! 
- FEDLOANS HAS INCREASED SERVICE REQUIRED FOR XXXX FULL YEAR

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Chime Financial Inc
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On or about XX/XX/XXXX I received a direct deposit of XXXX and change from XXXX 2 Days later the card company CHIME which is who I used to receive my benefits took the remaining balance of {$12000.00} after going back and forth with very disrespectful and unprofessional customer service agents for over a year I still receive no relief they sent me back and forth between their XXXX XXXX XXXX and their customer service for several months they refused to close my account and they just pretty much drag me along after everything was said and done they sent me an email stating that the money will be segregated into XXXX parts they sent {$190.00} back to the proper remitter which was the state of Illinois they sent {$10000.00} to New York for whatever reason. They also sent {$1800.00} to Georgia I received {$190.00} from Ides immediately CHIME would not help me get the remaining money that, They, not me wrongfully segregated. Finally, after reaching out to New York I was referred to New York state Attorney General. In XXXX of XXXX I was forwarded the {$10000.00} from the state of New York. I reached back out to CHIME about these results asking them to forward me the money the {$1800.00} that they sent to Georgia as well. Again, no help. I'm reaching out to you to ask that you please help me receive my funds that were wrongfully sent to the state of Georgia. CHIME really needs to be stopped. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Santander Consumer USA Holdings Inc.
State: OK
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Was told they couldnt do anything about inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I've had account with Navient from XXXX XXXX since XXXX. I made payment agreement with them XX/XX/XXXX to pay XXXX XXXX XXXX XXXX XXXX. They require {$50.00} to do the agreement with them. XXXX and XXXX of this year they charged me {$8.00}, {$28.00} and {$110.00} for XXXX and {$110.00} so far for XXXX and this breaks the agreement. I never authorized the extra funds to be withdrawn from my bank account. I tried to reach out to Navient and they just give automated reply saying they have higher than normal requests to deal with and I can't get anybody. I got on the agreement plan because of my income and I can not afford to be getting over {$100.00} in fees from Navient especially when it is not authorized. I don't know what to do and I don't know if they will refuse to refund the money they illegally took from my bank account. I need my money back ASAP. 

The agreement with Navient is set up as auto payments for XXXX XXXXXXXX so they have my bank information and they just decided to withdraw more money without my consent. 

I am really scared that because Navient has my bank information they will withdraw funds that I can not afford and are unauthorized which is what they are doing. I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: IL
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:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX account # XXXX 30 days late on XX/XX/2021. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
the company said they are offering a covid relief program which I requested assistance and they are saying a balloon payment is owed in XXXX I called the company and I was told that if I can't make this payment they will be talking taking litigation steps how are people who have lost their job able to keep their homes

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022, XXXX was contacted and XXXX XXXX refused to provide proof to validate debts and refused to remove inaccurate, derogatory reports from credit bureau reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: Ovation Financial Services, LLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
OVATION : I paid {$100.00} a month for 3 months with little results so I stopped payment and went to XXXX XXXX  who charged me {$60.00} and now wants {$60.00} a month and I am being turned down for loans and only can get a {$300.00} credit card as I have an outstanding credit card I am trying to save to pay off of {$1400.00}. 

Sincerely 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 explanation
Consumer complaint received 2022-10-22
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have 3 times over the phone to resolve this incorrect charge. I have NEVER had a problem before.I always pay my bills on time. They can not even tell me what was charged!

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 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 past few months I have received more than 10 Alerts thru my XXXX XXXX XXXX privacy assist with unauthorized credit inquiries. These have been across all 3 credit bureaus ( XXXX, XXXX  and TransUnion ). I have not authorized any of these inquiries and have no knowledge of how my personal information was acquired. I also received another alert from my Corporate Credit Card Company-XXXX XXXX, about a similar credit card inquiry in my name as well as a XXXX inquiry. As none of these have been authorized I want to assure these are removed from each credit bureau 's file so that my credit is not impacted. I have also spoken with the 3 credit bureaus and have placed an alert and a freeze on my credit account file.

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 2022-08-02
Company: Experian Information Solutions Inc.
State: IL
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:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX : {$140.00} XXXX. XXXX XXXX Account Number : XXXX XXXX : {$270.00} XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX : - XXXX. XXXX XXXXXXXX XXXX  Account Number : XXXX Bal : {$320.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Bal : {$29.00} XXXX. XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX : XXXX Bal : {$2700.00} XXXX. XXXX Account Number : XXXX Bal : {$15000.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.

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 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 Account # XXXX ; XXXX XXXX Account # XXXX ; XXXX XXXX XXXXXXXX Account XXXX XXXX ; XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXS Account # XXXX ; XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX Account # XXXX ; XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX XXXX Account # XXXX, has XXXX XXXX XXXX XXXX 

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 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