BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-04
Company: Student Loan Financial Assistance
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I received a phone call from a young lady who told me her company could get much of loan paid off - by consolidation if I paid {$230.00} x 5 months with and t hen {$77.00} there after until XX/XX/2023. No interruptions or late pay then rest of loan will be forgiven. I made 2 payments - XXXX and XXXX. Then I kept getting information and instruction from XXXX who has been servicing my loans. So I called Student Loan Financial Assistance because I was confused about who had my consolidation and was receiving my money. They assured me that they had contacted XXXX and I should be paying Student Loan Financial Assistance to pay off my loans. I called XXXX who told me this was a scam. No one can buy student loans owned by Dept. of ED. So I was just giving my money away to this company. Also all student loans are on hold until XXXX due to COVID 19 with no interest being applied. I paid the XXXX and XXXX payments. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: Experian Information Solutions Inc.
State: CA
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 check my credit score report 3 bureau and on XX/XX/2022 XXXX XXXX, XXXX XXXX BUT EXPERIAN only XXXX!!!!!!!!! This corrupt company constantly sends advertisements for monthly subscriptions to increase your credit score, but if you don't subscribe they keep your score low by means of pressure and blackmail!

Please Help me recovery my normal credit score without any payments that company!!!!!!

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 2017-01-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I have a home equity loan with Wells Fargo. Loan was due and payable XX/XX/XXXX. I started talking with Wells XX/XX/XXXX knowing I could not pay it off in XXXX. After about six months of talking they said they would be able to set me up with a payment plan. I said ok great what 's next. Wells told me I needed to make three months of trial payments to see if I could " afford '' it. I complied with their request made all the payments on time. Fast forward now to XX/XX/XXXX the loan they presented to me and both parties agreed to is still not completed. Wells Fargo now has reported me as being late and ruined my credit. They also mistakenly added a escrow account to my first mortgage and caused my payment to go up {$300.00} per month. So through this whole process Wells has crippled my credit and made my first mortgage payment go up and I still do not have a payment plan in place. I just want to get this payment plan done and my credit restored. I have lived in this house for 27 years and have never missed a payment on the first or second. Also I keep getting late notices and foreclosure threats. I always call to ask about the letters they tell me just ignore them your loan is in process and you should not be getting the letters.

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 2016-08-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Requested accounts be verified as 100 % accurate and true and received a response that the accounts were 100 % accurate and verifiable a little over 30 days later. The accounts in question are being reported as open and with a balance but are closed, with no balance and never had any late payments nor interest fees. XXXX accounts for {$6000.00} are reported as {$9400.00} and {$8600.00} with a duplicate account reported as a XXXX and owe amount of {$9000.00}. The other XXXX accounts, both had an original amount of {$4500.00} are reported as open and owing {$5400.00} and {$5300.00}. All XXXX accounts are false!

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 2022-01-23
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Huntington Bank consistently runs maintenance at XXXX am to XXXX am EST, not allowing customers to check their account balances online or by calling their telephone banking services. This causes lower class and minority customers like myself to overdraw accounts and the embarrassment of declined cards during. This also takes advantage of individual who may be consuming alcohol during these hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice while several laws were being broken under the FRCA by your company. This has caused me financial injury and defamation of character. I can not get a job, buy a house or apply for any credit. This has hurt my ability to obtain credit.

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 2022-01-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
There was an account fraudulently opened in my name with Wells Fargo, I spoke with them to fix the situation and close the account. The account is still open and it is impossible to speak with a human at Wells Fargo

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 2018-06-03
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
The account was open in XX/XX/XXXX it was closed XX/XX/XXXX. I never received any notice of it still being opened and or that I owed money. I check my report weekly. And it just hit my report about a month ago and it states that it hit XX/XX/XXXX. I have tried to call and figure this out but they say they're only legally obligated to report it so many days after they receive it in collections. I've kept a close eye on my credit because I'm currently trying to get back on my feet due to unexpected events this last year now. Please help me. It's not that I even mind paying the debt if it's accurate. I wouldn't have minded if I ever received notice. But it's been over a year! How can they do this to me now?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: National Credit Systems,Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
National credit system XXXX XXXX XXXX {$4500.00} XXXX Initial call me to inform me of this debt. The reps stated that if I pay 50 % before XX/XX/XXXX I will be a pay and delete. I asked him if I can not find the funds within that timeframe and if the company offers the same thing in the future, will it be paid for delete. He stated yes XXXX Initial call me to inform me of the same offer. This time he stated that he never said that on XX/XX/XXXX. I asked for the voice recorder from our calls to confirm it. He got very angry on the phone and send me to his manager 's voice-mail. Left a voice mail, and never received a callback. 

XXXX initial call me for the same package deal. Told him that I waited for the voice recorder from XXXX to confirm that he told me that I can pay {$2200.00} for payment for deletion. Once again, he got very aggressive on the phone and send me to the manager. Spoke to him briefly because he immediately hang up on me when I tried to speak to him on a civil matter. I'm just trying to request the recorder from our previous conversation to confirm what has been told to me. They're being hostile and I want to resolve this matter and move on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: John C. Heath, Attorney at Law, PLLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Lexington Law has not produced any credit repair corrections since approximately XXXX. Even very simple ones ( a mortgage that was not foreclosed, but is marked foreclosed ) has not been challenged or corrected. Despite this, they have charged me every month for " credit repair '', yet no credit reparations have occurred since XXXX. Furthermore, they closed my account for " non payment '', even though the payment is shown in my transaction history and on my credit card statement. I made an inquiry on my " case progress '', but they refused to provide service because the account was " closed '' when it up to date and in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: Santander Consumer USA Holdings Inc.
State: MN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My account was paid off and refinanced with a different finance company. The finance company overpaid what was owed on the account. I 'm being told that the over payment will be returned to me in 30-45 days from XXXX XXXX 2015 to make sure there are no liens and paperwork is taken care of. I honestly do n't believe that to be an acceptable time frame for this to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are several inquiries on my credit report that I have no clue where they came from. I did not give these companies permission or authorization to review my credit. I have not attempted to open any types of accounts with them either. I have attached the FTC report to have this fraudulent information removed from my report.

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 2022-07-26
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Previously filed with Consumer Finance.gov regarding Truist Claim XXXX Truist has denied previously filed claim because the transaction was authorized even though it was done through a scammer 's fraudulent website. I now find that in XX/XX/2021, the Consumer Financial Protection Bureau issued guidance to banks that authorized scam transactions considered fraudulent P2P transactions because although, they were initiated by someone else, a scammer 's website in my situation, and I, the consumer, received no benefit. I understand that these guidelines are going to be further clarified in coming weeks requiring banks to repay customers who fall victim to alleged money-transfer scams by deeming payments made to a scammer as unauthorized. 
In the mean time, do I need to keep my case open to allow a future claim, contact my local news station or do whatever to retrieve my {$270.00} scammed funds. What bothers me most is that there is nothing I'm aware of where Truist made attempts with XXXX XXXX ( scammer 's bank ) to hold the funds pending investigation. Especially bothersome is that Truist as with most banks are aware of XXXX not vetting their clients as well, leading to further scams. The scammer 's website XXXX XXXX XXXX has since been shut down.

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 2016-08-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I have been trying to dispute some issues on my credit report with EXPERIAN. I tried to dispute online. When i do try to dispute online a message comes up saying that the attempt to dispute is unsuccessful and that they cant give me a reason why? NOT FAIR. I tried calling them and they also gave me a hard time saying that i disputed the account already and that they cant dispute it again. NOT FAIR. One item in particular i have no knowledge about is a XXXX account that i never had. I never used there service as i have always been a XXXX customer all my life. I have other items that i would like for them to verify the accuracy of which is my right are. 

XXXX - account # XXXX XXXX - account # - XXXX BANKRUPTCY Chapter XXXX - Reference # XXXX BANKRUPTCY chapter XXXX - Reference # XXXX I want all these items Reinvestigated and i also want to know their sources of obtaining this frivolous information and i want these ITEMS REMOVED from my report with EXPERIAN The other XXXX CREDIT BUREAU 's have worked with me with dignity and respect while experian treats consumers with no RESPECT at all ... 

PLEASE HELP OUT A XXXX CONSUMER ... 

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 2022-07-26
Company: CRESCO CAPITAL 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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: U.S. BANCORP
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I purchased an item online at circut.com for XXXX dollars XX/XX/XXXX. I never received the package to this day. I filed a dispute with the bank us ReliaCard on XX/XX/XXXX. They told me it could take up to 120 days. I called to check on it periodically. Then on XX/XX/XXXX of XXXX they stated no error had occurred. I called them right away and they told me the Merchant stated they delivered the package, which they never even asked me they just sided in their favor. Author called the post office in my town and was explaining the situation and gave the tracking number of the package. The post office looked it up immediately and mailed me a letter stating that it did not come to my address and listed the address it went to. I faxed over paperwork to us bank ReliaCard fax number. I called to keep checking on results from submitting papers, the XXXX time the representative stated I would receive the money on XX/XX/XXXX when the 120s days ended. After that the next representative had told me my claim was closed and that I would need to call and keep reopening my claim. Last day I talk to XXXX very knowledgeable he apologized over and over and over again because he said since Ive been calling and everything and since I faxed in the paper from the post office that no ones even filled out the paperwork and the claim shouldve only took 120 days even after I sent in the paperwork, so and he gave me a ticket number and thats what I called them today for was to check on that because XXXX told me to call in 3 days and the lady would not even look up my ticket number she said they closed the case again and that it was in the Merchant favor. I without trying to lose everything that I have, I was like how theres no way, The receipt for where I paid the XXXX dollars .I have a letter from the post office stating that the package did not come to my house and lists the address it went to. Then she tells me that she would have the right another ticket number which I got today from her and send me the information in the mail she would not even talk to me about it and why they choose the Merchant. I did ask to speak with a manager or supervisor and she stated she was the only higher up there at that time. That being is why now filing a complaint. I will send all the documents I have to go with claim.

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 2015-09-10
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed this with Experian, XXXX and XXXX XXXX several times and they will not remove it. I have given them proof from the bankruptcy court that the bankruptcy was filed on accident by my attorney and they still will not remove it. I filed a chapter XXXX bankruptcy in XX/XX/2010 and it was discharged ( that XXXX is accurate ). I did not file XXXX Chapter XXXX bankruptcies in XX/XX/2010 ( the attorney did by accident and the court documents that I provided to the credit reporting agencies proved this was the attorney 's negligence ). The Chapter XXXX BK filed in XX/XX/2010 reporting as dismissed should not be on my credit report with all XXXX bureaus at all. I can supply documents upon request, however ; the credit bureaus have all of this already and have ignored it several times.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19
Company: EQUIFAX, INC.
State: AR
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:
XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX, Account # XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX ACCT # XXXX, XXXX FI Account # XXXX In accordance with the Fair Credit Reporting act Convergent 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear Sir or Madam, I write to you with great distress that SLS did not act in good faith in their Fiduciary responsibility but have done an outright FRAUD, taking advantage of the COVID Crisis. 

I was greatly disturbed by the COVD Crisis and based on the common knowledge available in the various Media outlet, decided to talk to SLS, who were holders of the Mortgage. It was almost the end of XX/XX/2020. 

However, I was unable to talk to their representative to get more information about the options available to me. And their website directed to write to them on their website. 

Anyways, the payments were done to them in full and in time. 

They service the Mortgage of XXXX and XXXX XXXX. 

They deliberately showed that payments were not made in XX/XX/2020 ( which was already done, and the first contact about COVD was made in XXXX, so it had to be credited ). 

Then again they showed payments made in XX/XX/2020. 

Again they did not report the payments made in XX/XX/2020 My Broker Agent was absolutely shocked by their outright fraud. As per the rules of XXXX and XXXX XXXX, no new mortgage would have been issued, if any non-payment showed. 

They deliberately showed non-payments in mycredit history, despite getting full payments and in time. 

The addressis : Specialized Loan Servicing LLC XXXX. XXXX  XXXX XXXX, CO XXXX They need to pay a penalty for their wrong behavior and make amendments to my Credit Report and show the payments were made in Full and in Time. 

With the low mortgagerates, I plan to refine my mortgage and theirdeviousactions have put things in a bad situation for me. 

Aso this deliberately deviant and malicious harmful activity shouldbe reported to the authorities. 

Thanks. 

Very Upset MortageHolder.

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