BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-15
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I started a payment plan XXXX 2014 that was supposed to prevent my student loan from going into default. They kept asking for large sums of money ( $ 7,000- {$15000.00} ) to start it, changing the amount owed every time I called, telling me to ask my extended family, asking why my husband was n't helping and even making a comment on me not marrying someone rich enough to pay my loans for me. After some back and forth with the XXXX XXXX costumer service I got them to start my plan with just the first payment down, which they accidentally double charged us for. After a year they called again with the same story as in 2014 I needed to pay X amount now or my loan would default and I needed to go on this plan to stop it. After more back and forth with costumer service I got the plan started again. This year, now year 3 they started calling again, this time just to keep payments going. I asked them why I never saw my credit report improve after being on the payment plan so long and they informed me my loan has been indefault since 2014. Navient is the " collection '' agency but over the last 3 years they have charged us ( my mother and I ) through both Navient and XXXX XXXX. My mother and I were told several times in the last 3 years this would prevent default and I am finding out today that they do not offer a program to get you out of default, and my only way out is paying off the loan. Which is {$20000.00} more than when I started and has not gone down at all on this plan due to capitalized interest every year. I have tried everything short of getting a lawyer, which I ca n't afford, to get this under control, so I can repair my credit and buy a home. My school is closed and discredited and I ca n't consolidate this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: I.C. System, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2021 a collection account was reported on my credit report. I.C. System Inc has harassed me on several occasions in regards to collect a debt in the amount of {$680.00} which is a violation of the FDCPA 15 USC 1692d and FDCPA 15 USC 1692b ( 3 ) due to contacting me more than once. I have NEVER given I.C. System Inc DIRECT CONSENT as a consumer, in which they can not communicate with me the consumer in connection with the collection of ANY debt which is a violation of the FDCPA 15 USC 1692c ( a ). I have sent two certified dispute letters to XXXX  to validate this debt and never received the correct five documentations that constitutes I owe this debt which is a violation of the FDCPA 15 USC 1692g. I sent the first letter on XX/XX/2021 and the second letter on XX/XX/2021. The investigation came back as verified which is a violation of the FCRA 15 USC 1681a ( e ) because the proper investigation was not completed that consist of the consumers ( myself ) character, general reputation, personal characteristics, or mode of living obtained through personal interviews with neighbors, friends, or associations which they dont have my consent to communicate with third parties as stated in the FDCPA 15 USC 1692c ( b ). I.C. System Inc stated in the letter that I received that their office has reported this debt to the credit reporting agencies. This is an alleged debt that I do not owe, and by them reporting it to the credit reporting agencies it is a violation of FDCPA 15 USC 1692e2 ( A ) and has tremendously, negatively impacted my credit report. I.C. System Inc also violated FDCPA 15 USC 1692c ( a ) ( 1 ) by contacting me at an inconvenient time as I have been making funeral arrangements for the death of my uncle. Due to violations that I.C. System Inc has committed, this account needs to be deleted from the credit reporting agencies and by law in reference to the FDCPA 15 USC 1692k I need to be compensated per violation for damages.

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 2016-01-07
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX wiped out original dates of closed and charged off dates and put the dates as recent. I have never purchased anythign from XXXX XXXX. I have sent them tow affidavits and requested and both have never been processed on their end. I have disputed this charge since XXXX. In XXXX after filing XXXX affidavits and endless phone calls I just paid the money. I was trying to get a home loan and needed to resolve this issue. After I paid XXXX times what they originally said was purchased they update my credit report as recently charged off and late paid even though this all occurred in XXXX, sent to collections in XXXX and charged off. I do not believe that changing dates to recent is correct. I have been fighting that since XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX XXXX XXXX XXXX Mn XXXX XXXX / Dob XX/XX/XXXX REPORT # XXXX EXPERIAN CC Consumer Financial Protection Bureau I 'm exercising my rights to requesXXXX XXXX XXXX t verifiable proof of negitive events you have listed in my credit file The XXXX Disclosure to consumer requires CRA to disclose the sources of information reguarding the negative events that are beging reported by your agency upon request of the consumer this is not a dispute account XXXX XXXX closed account account XXXX XXXX late payments closed XXXX XXXX account That has not been reported on in Years.. 
XXXX XXXX LATE PAYMENTS and all credit inquires that are not showing any active accounts on my credit file I expect that you will provide verifiable proof as required under the XXXX disclosure to consumers If you are unable to provide such proof with in the timeframe I expect these negative events to be remove from my credit file please communicate your intentions in writing. I have asked you to comply and do whats right but you fail to do so.. 
XXXX I have included you in on this Because I 'm going to take legal action if this request do n't get solved ... Also for evidence for my case Thank you 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 2021-08-05
Company: EQUIFAX, INC.
State: LA
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:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have attempted to resolve multiple times an error with one of my accounts being reported to Experian. Every time they have failed to correct the mistake. One of my credit cards is incorrectly being reported as " previously in dispute, dispute resolved by grantor '' on my report. This was never true. I have contacted the bank in question ( XXXX XXXX XXXX ) and they have stated they sent the update to delete the " comments '' section of the tradeline to reflect no comments. Experian has denied my dispute request on multiple attempts. All comments should be removed from this tradeline to reflect the ACCURATE status as never have been disputed by me.

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 2015-06-23
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Husband opened a credit card account ; his signature only. Card owner is now deceased. His balance shows up on my credit report. Utah law states that the spouse is not responsible for his credit card debt. Would like to have debt removed from my credit card report and score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX account # XXXXdoes not belong to me. I have no knowledge about thisaccount. I have requested a validation of alledged debtsXXXX times over the US mail for the last XXXX monthsdirectly to collector as well as I 've placed several disputes with Experian credit bureau. Never been responded by both oof them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Filed first dispute online with Experian XXXX/XXXX/XXXX. The information was n't corrected so I mailed a 2nd dispute via USPS Certified Mail XXXX/XXXX/XXXX. I received a response but the information is still incorrect, in fact it 's worse than before I filed XXXX disputes. I have tried to call Experian numerous times but I 'm put on hold to wait for the next available representative and can never get through, even after 45 minutes hold time. The information I need corrected is as follows and should be fairly simple and straight forward to correct ( I had to file a dispute with XXXX to correct the same info and they corrected it immediately so I do n't understand why Experian has n't been able to do the same ). I filed Chapter XXXX Bankruptcy in XXXX XXXX and the bankruptcy was discharged in XXXX XXXX. My monthly mortgage payments were made to my XXXX XXXX XXXX XXXX account via the Bankruptcy court, so no negative payments should be showing during that period. My XXXX XXXX XXXX XXXX account should now show open with all payments current post-bankruptcy discharge and the Status should show " going to a positive status in XXXX XXXX '' NOT XXXX XXXX as it is currently showing. I am trying to rebuild my credit and it does n't help when I am denied new credit due to incorrect credit reporting by Experian. I am also looking for new employment and several companies I have inquired with state that they will be requiring background and credit checks so I am potentially being denied employment because of this negative and incorrect reporting by Experian. I have followed all of the steps required to request that Experian correct my report without a satisfactory resolution. Please assist! If you need any further information from me including copies of my original disputes, certified mail receipts, etc.. please let me know and I will forward them immediately. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
This company reinserted previously deleted information from my file that is a identity theft account from XXXX XXXX XXXX that is a credit card that I did n't open. They are breaking FCRA laws by doing this and I suggest the CFPB take legal action agianst this company they are trying to just make money. I 've been a victim of identity theft and they are not worried about that at all. I would like this account blocked permanently from my file as I included it in my FTC fraud identity theft affidavit that shows this account listed which i have attached with this complaint

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 2021-06-21
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help 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 2021-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
The FCRA applies only to the 3 main credit reporting bureaus -- XXXX, XXXX, and TransUnion. ... XXXX, XXXX, and TransUnion are legally obligated to provide identical information Upon review of my transunion and XXXX  report it states under Account summary : account ever late 3. That information is inaccurate. Looking at the report in the detailed view there is only 2 late payments.

Per transuion report the payment history is unknown for XXXX XXXX. So there should not be 3 accounts late when XXXX XXXX payments are not able to be verified.

Per further investigation I am requesting that information being reported by XXXX XXXX be verified based upon accuracy. Tranuion is showing no payment data. XXXX  is showing 17 late payments reported by XXXX XXXX. XXXX  is showing 16 late payments being reported by XXXX XXXX.

XXXX  is showing 2 accounts ever late. XXXX  is showing 3 accounts late as well as transunion. But under XXXX  and transuion only 2 accounts are displayed I do not see a 3rf account in the detailed view.

I have submitted disputes about accuracy and I am not able to get anywhere. XXXX I do not see where the fairness lies per FCRA.

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 2021-08-05
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We were first time home buyers through XXXX XXXX Loans and made our first monthly payment on XX/XX/2021 of {$2200.00} then our loan got sold to Loancare who has since lost our payment and is stating I am delinquent on my account. I have given them all of the information they are asking for and they still have not fixed the issue and keep giving me the run around. This is the absolute worst company I have ever had to deal with. I just want my payment to go through so I can finish paying my mortgage payments on time like I was trying to in the first place. This is ridiculous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: WELLS FARGO & COMPANY
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I had an HSA account with Wells Fargo for the past several years, and a few months ago, Wells Fargo notified me that they were closing their HSA business and that they would be closing my account and sending me a check for the balance. I subsequently got a call from Wells Fargo XX/XX/XXXX asking me if I would like to have my HSA automatically transferred to XXXX since they were selling their HSA business to them. I asked specifically about fees and he said that there is a monthly fee, but it is waived for balances over a certain threshold, which I met. So I then agreed to have it transferred. 

I just checked last Wells Fargo statement and I was charged a transfer fee of {$430.00}! At no point did the representative mention this fee even though I specifically asked about fees. A {$50.00} fee would have been unacceptable given that I did n't agree to any fee and I should n't have to pay a fee just because Wells Fargo sold this business to XXXX. A {$430.00} is just predatory. I could have rolled my balance into my other HSA for free, like I was planning to until I got this call from the Wells Fargo representative. 

I have contacted Wells Fargo regarding this fee, and they have directed me to XXXX since they no longer have the HSA business, even though the fee was charged by Wells Fargo.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I had a brief hospital stay at XXXX XXXX. As I was leaving the hospital, I paid my " anticipated charges '' in the amount of about {$400.00}. My balance ended up being around {$600.00} total and was paid the following month after I was sent a bill by XXXX XXXX. That month I was also contacted by Evergreen Professional Recovery stating that I owed money to them for services rendered by XXXX XXXX. These bills had already been paid and I spoke with XXXX XXXX and got everything cleared up and eventually switch insurance providers. 

Earlier this month ( nearly five years after paying this bill ) I received a phone call from XXXX at Evergreen Professional Recovery on XX/XX/XXXX and again on XX/XX/XXXX stating that they are trying to collect on this debt. They have not been able to provide me with any paperwork. XXXX suggested on XX/XX/XXXX that I call XXXX XXXX to clear up this issue. I called XXXX XXXX XX/XX/XXXX and was informed that I had no balance on my former account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2018 I went to deposit cash into an atm in XXXX, PA. 
It kept spitting out bills and would not take them. Because of this error of the bank, I received 2 overdraft fees. My close relative was in the hospital, and I could not get to the atm by XXXX, but this was an emergency situation. I at least wanted to have the full deposit in there asap of {$650.00}. 

I have had multiple problems with their atms, at many of the branches. 
I want these fees reversed, I am going through a major turmoil with my family right now and do not need aggrivation!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
the questions they asked me i answered them correctly to my knowledge ... and couldnt get report might be fraud

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-10
Company: American First Finance, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
American First Finance is charging us 145 % interest rate. That is extremely high. I asked if they could re-run my credit report, in hopes of lowering the interest rate. They refused to do that, even though they say there are other customers with a lower interest rate than what I have. I want to pay off the debt, but at that high interest rate, it will take us a very long to pay it. What are my options? If I just do n't pay them, that will probably affect my credit, and will send me to their collections department. But this is so way and above what any company should be charging.

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 2022-06-09
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Frost Bank opened a fraudulent checking account. I contacted them and was told account has been frozen or closed. They have charged me a monthly fee anyway.

Company response to consumer: Closed with explanation