BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-20
Company: EQUIFAX, INC.
State: MD
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:
In accordance with the Fair Credit Reporting and XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
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: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT AND CERTAIN ITEMS ARE APPEARING ON MY CREDIT REPORT THAT SHOULD NOT BE THERE, THEY DO NOT BELONG TO ME. I AM MAKING A COMPLAINT BECAUSE THE FOLLOWING FRAUDULENT ACCOUNTS ARE APPEARING ON MY CREDIT REPORT AND I WOULD LIKE FOR THEM TO BE DELETED : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX PA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX TEXAS XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2020-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT AND CERTAIN ITEMS ARE APPEARING ON MY CREDIT REPORT THAT SHOULD NOT BE THERE, THEY DO NOT BELONG TO ME. I AM MAKING A COMPLAINT BECAUSE THE FOLLOWING FRAUDULENT ACCOUNTS ARE APPEARING ON MY CREDIT REPORT AND I WOULD LIKE FOR THEM TO BE DELETED : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX PA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  TEXAS XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/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 2017-04-17
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am currently on  the REPAYE plan payin g $  XXXX  and my recertification application is due  XXXX / XXXX /  XXXX  . FedLoan Servicing is my loan servicer since I currently participate in the PSLF process.  FedLoan sent me message in FedLoans  paperless inbox on  XXXX / XXXX /  XXXX   requesting I send in my application to recertify my income fo r REPAYE. I  complied and submitted my recertification application to studentloans.gov on  XXXX / XXXX /  XXXX  .  FedLoan  acknowledged receiving my REPAYE recertification request on  XXXX / XXXX /  XXXX   stating they would inform me of any problems . FedLoan did  not tell me there were any problems with my recertification. On  XXXX / XXXX /  XXXX   I logged into my  FedLoan accoun t and viewed my new billing statement which claimed I now owed {$3600.00}. I received no paperwork regarding a new REPAYE payment amount nor any information regarding the status of my recertification application. I calle d FedLoan o n  XXXX / XXXX /  XXXX   and was told that my REPAYE recertification application was sent " too early '' and that it was closed out without any notification to me. The phone rep stated she would forward the matter to her supervisor and they would work with a loan servicer to remedy the issue. However, the phone rep indicated this is a lengthy process and I  may lose a month of payments toward PSLF. I f this issue is not rectified then I will owe an impossible payment of over $  XXXX . I had no way of knowing that my recertification application was sent too early as I was only following the directions of FedLoan Servicing to recertify my IDR plan in  XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
All the credit bureaus, XXXX, XXXX andExperian have been dropping my credit scores without any reason. No changes were made to my credit report, yet, my score is being negatively impacted. Experian recently dropped my credit score by 4 points despite the fact that nothing changed on my report. 
After researching and speaking with my attorney, it has come to my attention that this fraudulent activity has happened to many others as well.

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 2020-08-24
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My unemployment payment was deposited into my cash app account on XX/XX/XXXX and XX/XX/XXXX of total of {$3300.00} from a XXXX. I have request cash app to refund my money because i dont know this person and no response or refund from cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: BBVA FINANCIAL CORPORATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I noticed a transfer for XXXX to a simple non migrated account. 
We called on XX/XX/XXXX and have called multiple times since. 
We have yet to receive answers as to where our money went. 
SIMPLE bank customer representatives keep saying it's under investigation and they don't have any details This transaction says " SIMPLE non migrated account EFM '' On Tuesday XX/XX/XXXX we received an email saying that our account was pending closure and the reasons are confidential. 
We are requesting that this transaction is reversed and our money is returned before the account closes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hello, I asked TransUnion and XXXX to delete an Account from my Credit Report but was unsuccessful in my efforts. I asked them to send me proof of validation but they failed to do so. I would like you to look into this and help me correct / delete an Account that is not mine from my Credit Reports with these two Credit Bureaus. 
Thank you very much.

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 2020-12-30
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a upside down loan applied for a Making Home more affordable modification loan it took three modification the last one, they promise to take a XXXX XXXX XXXX  off but they put it at the end of the loan. They did not keep their agreement, this is Wells Fargo Mortgage Bank in XXXX XXXX IA. I now have been transfer to XXXX XXXX XXXX in XXXX of this year, who is charging me XXXX more dollars than wells Fargo. 
My Wells Fargo loan # XXXX the three modification dates : XXXX XXXX. XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX LOAN # XXXX I need help I appreciate very much you helping me to get my money from both of these loan companies 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 2022-03-20
Company: LoanCare, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We're currently applying to do a cash out refinance on our current home and our lender found an issue on my wife 's credit report. It is showing that we were late paying our mortgage for 120 days and it shows it being a student loan ... ... how is this even right? 

You can see the details on the screenshot. The entry was posted on XX/XX/2021. We paid our house in full on XX/XX/2021. 

We were wondering why our credit report took a hit and couldn't figure out why until a year later! This is absolutely atrocious and damaging.

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 2022-03-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A debt collector was allowed to post inaccurate and incorrect data on my credit reports without first providing validation per XXXX, on XX/XX/XXXX i demanded verification/proof of this debt from XXXX XXXX XXXX and to date XX/XX/XXXX have not received this verification which is in direct violation of the Fair Credit Reporting Act. 

I have attached proof along with XXXX certification receipt showing it was received by XXXX XXXX. XXXX which clearly shows this company is in direct violation of XXXX laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: Foris DAX, Inc.
State: PR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I enter in the following webpage : XXXX XXXX XXXX And join to telegram group. 
I bought XXXX XXXX XXXX for unit ( 1280 dollars c/u ) in total 6,400 dollars. I used my shib coins through Crypto.com. After they received 3 transactions closed the conversation. This is fraud. I contact Crypto.com for notify the fraud, but not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20
Company: Paypal Holdings, Inc
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have called Paypal no lie over 30 times and have been placed on hold anywhere from 20 mins to 3 hours at a time with no check backs. I opened a dispute or XXXX the wrong way. I have since resolved all issues with the individual companies from XXXX. There should be no disputes currently opened with paypal. I have called ever since and they laugh at me, do not treat me like a person for complaining against them. It is now hurting my credit and I ca n't use paypal. I just called again today, please pull the call records, I have them from XXXX. I am calling from XXXX to all numbers I have to paypal, repeatedly they refuse to service my account fairly. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Incorrect exchange rate

Complaint:
I am trying to send a wire from Chase bank to a bank in XXXX. I need to send {$14000.00} that converts to {$20000.00} I did the currency exchange with the bank representative and when we tried sending the correct amount in XXXX, we needed a total of {$15000.00} NOT {$14000.00}! Chase is making over {$400.00} on their conversion XXXX bank fee 's. I have called everyone and no one will help. This is CRAZY, Fraudulent and complete XXXX. I am eager to look for more individuals and start a class action suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
PennyMac loss draft department has routinely failed to make my insurance settlement FUNDS THAT I FOUGHT HARD TO GET A FAIR SETTLEMENT available to me to get my repairs done. When I call the loss draft department I speak with rude, loss draft department personnel with attitudes who drop calls and refuse to transfer me to management and instead place me on long hold times well over an hour in length without resolution. They are illegally holding MY MONEY for repairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I filed a dispute with Equifax on XXXX/XXXX/2015 regarding the balance date Equifax is reporting for a short sale we had with XXXX XXXX XXXX XXXX XXXX XXXX Mortgage. The house sold and closed XX/XX/XXXX. My husband and I were denied credit because of Equifax reporting the date for XXXX as XXXX. XXXX reported the date as XXXX. I submitted the XXXX paperwork showing the XXXX date and submitted additional paperwork to explain the dispute. Equifax responded to the dispute on XX/XX/XXXX saying XXXX is reporting the date correctly, however, instead of correcting the XXXX date to XXXX, Equifax updated the date XX/XX/XXXX!!! On XX/XX/XXXX I receive an Equifax alert showing my credit score was dropped by XXXX points from XXXX XXXX as of XXXX XXXX to XXXX XXXX as of XXXX ) due to information changing on my report. Because Equifax changed the date for XXXX to this month, it appears that our short sale just occured a few days ago instead of 4 years go which is why our credit score was impacted. I called Equifax today and talked to a rep and her supervisor. I was informed that a dispute will negatively affect my credit score and I have to " wait until things settle down and it goes back up ''. The XXXX rep said they can not change the date showing for XXXX or restore my score because " they have no control over it '' even though I have paperwork showing the correct information. I asked the Equifax rep and the supervisor to provide me a copy of my credit report from XX/XX/XXXX to XX/XX/XXXX so I can see what changed to affect my score this way. XXXX said they can not do that. On the Equifax website, the latest credit information I can see is through XX/XX/XXXX. The XXXX is the ONLY negative information against my report and NOTHING has changed from XX/XX/XXXX including no additional debt, etc so there is NO reason for my credit score to drop XXXX points in a week! As a consumer, I should be able to dispute inaccurate information being reported against me and it should not negatively affect my credit score. I understood that credit reporting agencies have a responsibility to correct inaccurate information especially if the consumer is being denied credit or refused preferred rates because of the incorrect information. I am filing a formal complaint against Equifax for refusing to correct inaccurate data even with documentation and with XXXX agreement the correct date is XXXX. I am also filing a formal complaint for Equifax dropping my credit score because I filed a dispute to get the data correct. I want this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Talx corporation, a division of Equifax corporation is a Consumer Reporting Agency as defined by FCRA. Check of my employment records on XXXX/XXXX/2015 indicated that Name and DOB of my dependents are also showing up in my report ( Ref case number XXXX ). There is no purpose for these to be reported on my employment and creates a risk for ID theft. I submitted a request for it to be removed but that has not been agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
As of XX/XX/2017 I have noticed an address on my Equifax credit report that I have never been associated with and would like proof my connection to this address or its immediate deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax is reporting address information that do not or never belong to be. Please assist me in getting the following address information removed from my credit file : XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This complaint involve s Ocwen Bank.  My mother and her partner owned a home in  XXXX  Arizona. My mothers partner died over   XXXX   XXXX   XXXX  . My mom died   XXXX   XXXX   XXXX   I am the successor trustee for my mom. I have since   XXXX    tried  to get Ocwen to change the mailing address and get me information on the mortgage so we can pay them. My mom paid on line so did n't receive mortgage statements. I have provided on numerous occasions all documentation showing both parties died and that I am the successor trustee of my moms trust as well ad death certificates. They refuse to change the address or to give me any information. The home is vacant for 4 months. Ocwen will only accept faxes, no e-mails or other communication allowed. They say after the fax is received, they will contact you within 3 days, but it usually takes about  XXXX  weeks. The folks working for  Ocwen  including managers are like robots and they repeat the same arguments that I am not entitled to any mail nor any information on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have called my four times today starting a XXXX XXXX XXXX and XXXX. I have told them each time my husband is at work, they then ask for a work number, which I wo n't give. I ask if they can discuss with me, and they avoid the subject and say they 'll call back later.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Premier Student Loan Center
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Premier student loan services was supposed to help me with my student loan. After taking away from me for about a year and never heard from them again and I was wondering what happened to the company. After trying to reach the company I realize that the company is no longer in service. I want to know how can I get my money back I think Ive been scammed. This company did not notify me of any changes that they would no longer be in business, this company did not officially complete the services as provided, I most definitely feel scammed.

Company response to consumer: Untimely response
Consumer complaint received 2020-03-11
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late in XXXX, 2020 on the XXXX XXXX  - partial account numbers XXXX. ( Please see pages attached from my credit report. ) I talked with the supervising manager of XXXX XXXX, her name was XXXX XXXX, and she verified to me that this account was in good standing and that there had never been a missed payment. She assured me that this late was reporting in error and that this late would be removed from my credit report. This false reporting of a late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-12-30
Company: WELLS FARGO & COMPANY
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: Information belongs to someone else

Complaint:
Wells Fargo Mortgage loan obtained XXXX company has repeatedly send me emails about documents to sign. 
The bank send me a thank you for signing the documents I did not sign. I have not signed any documents after XXXX. 
I have repeatedly asked the bank to send me copies of these documents. 
The bank ended up sending me documents from XXXX and will not release anything else I asked documents that have been signed from XXXX and on and will not reply or send me the requested information. The cosigner and I are no longer together I believe she is forging my signature the bank is aware of our separation and will not release me any documents signed with my signature Unauthorized.

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