BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-07-29
Company: EQUIFAX, INC.
State: PA
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 Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Absolute Resolutions Corp.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was sued by ABSOLUTE RESOLUTIONS INVESTMENTS LLC. We went to trial on XXXX  XXXX, XXXX and the case was dismissed with prejudice. There is a judgment entered. However, this company is still reporting it to my credit as negative for the past year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Climb Credit Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I am the co-signer of a loan that my husband took out. Due to XXXX, I contacted Climb XXXXXXXX XXXX to pause payments for a couple of months due to being out of work. Since reactivating the payment plan, we are unable to make payments due to an issue on their side. We have contacted them upwards of 10 times trying to resolve this issue as it is severely affecting both mine and my husbands credit, but we are constantly being told that someone will call us to follow up, and nobody does. From the information I have gathered, they have sold our loan to another company who is out of state and therefore can not legally accept payment from us. We need this issue resolved ASAP as my credit has plummeted due to their lack of help and responsibility in this situation. We owe approximately {$7000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2022, I opened an account with TD Bank and attempted to fund the TD Bank account from my XXXX XXXX account with a transfer of {$1000.00}. The funds cleared from my XXXX XXXX account and after XXXX  days of the funds being cleared I closed the XXXX XXXX account. However, XXXX  days later ( XX/XX/2022 ) TD Bank decided to reject the funds, sending them back to where they originated ( XXXX XXXX ). Because the account was closed, XXXX automatically rejected the return and sent the funds back to TD Bank. However, the funds never reached my account at TD. I spent several hours calling both banks, the final answer I got from each bank was that they do not have the funds, they each said that the other bank had my funds. XXXX is claiming that they sent my money to TD Bank, but TD Bank is claiming that they never received my funds. I have spent countless hours going back and forth on the phone with both companies for over XXXX months. Now I have been missing {$1000.00} ( all of my savings ) for over XXXX months, and I really need my money. Neither bank has been able to help me get my funds back. I understand that there are complications when funds are returned to a closed account, but considering that everything was done electronically, it should not be this hard for the banks to figure out how to get me my money back. Both XXXX and TD Bank have failed me as a consumer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. the addres
s XXXX XXXX XXXX XXXX XXXX fl not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why 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 2023-08-01
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX {$610.00} XX/XX/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 2022-07-29
Company: Experian Information Solutions Inc.
State: WI
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:
I sent my letter off on XX/XX/2021. I told the credit bureus to investigate every piece of information on the accounts I have listed below. Also, I attached the letter I sent out. I also submitted a complaint through CFPB and still these bureaus refuse to do their job according to the law. 

According to the FRCA the term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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.

They stated my account ( s ) were verified but how is this possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. Attached is my recent credit report with the inaccuracies highlighted.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

Accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DP OF EDUC US DEPT ED XXXX XXXX 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 2022-12-06
Company: EdFinancial Services
State: MD
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:
I submitted a refund request for my last student loan payment on XX/XX/XXXX. I was told that my loan refund request had been submitted when I called on XX/XX/XXXX however in my most recent call on XX/XX/XXXX I was told it was submitted on XX/XX/XXXX. The process went as follows : ( XX/XX/2022 ) - I called edfinanical and requested a refund for my last payment made which was made on XX/XX/2022 for {$11000.00} ( XX/XX/2022 ) - I called edfinancial and requested an update on the refund. The rep said that it had been submitted but could not give me a time frame on when it would be completed due to the high rate of refund requests. 

( XX/XX/2022 ) - I called edfinancial to request an update on the refund. I requested information on the status of my refund from the first rep and was then transferred over to a different rep who I was told handles these types of requests. The new rep said the refund was submitted for processing on XX/XX/XXXX and can not provide any further updates as they do not have any more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Duvera Billing Services, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I financed a puppy through a company called XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I paid {$2200.00} in cash and financed {$1000.00} through a company called XXXX, at the location. I was approved for {$1000.00} which I used to purchase the puppy. I was not given any paperwork or explanation on the loan process. Five payments later the company tells me I have been paying off the interest and not the loan. Therefore I still have 7 payments left. The store failed to explain the contract of the loan. I would not have taken it out had I known I would not have it paid off in 5 payments, like I originally thought. I felt like he didnt tell me the terms of the contract purposely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Colony Brands, Inc.
State: GA
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I found about earlier this year that a transaction had been done on my Swiss Colony account. When I found out about the transaction, I was XXXX  at the time. I had started getting emails from XXXX about the account being reported as not paid. I reached out to the company while I was XXXX  and they told me to dispute the charge. I told them I had no way of filing a fraud report via ftc while I was in the XXXX. They still continued to report that I am not paying them. 
They have placed these negative remarks on my credit report stating that I am over 200 days past due. I have since filed the fraud report and had it notarized to send to the company stating that I did not make a purchase on my account nor did anyone on my household. 
This company has ruined my credit and they refuse to remove the charges off the account to even though I have done everything they asked me to do. They are holding me responsible and I have told them multiple times, I did not use the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 ( i ) - Procedure in case of disputed accuracy : States that if, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation

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 2022-07-29
Company: EQUIFAX, INC.
State: WI
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:
I sent my letter off on XX/XX/2021. I told the credit bureus to investigate every piece of information on the accounts I have listed below. Also, I attached the letter I sent out. I also submitted a complaint through CFPB and still these bureaus refuse to do their job according to the law. 

According to the FRCA the term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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.

They stated my account ( s ) were verified but how is this possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. Attached is my recent credit report with the inaccuracies highlighted.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: MOHELA
State: WI
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:
I have made over XXXX payments on my student loans and have been employed in nonprofit ( public schools & state universities ) for over 25 years. I have detailed records of being advised against XXXXXXXX XXXX. Once in the XXXXXXXX XXXX I had forbearances added to my account without my knowledge because I took graduate classes ( this automatically prompts the system to add a forbearance ) so I have payments that were made that will never be counted against my loan. After 25 years I still owe over {$10000.00} and have only XXXX payments count as qualifying for the loan program despite making many more payments. The current provider ( Mohela ) has several inaccurate things on my account which I have been unable to correct. These include saying that the loans are waiting to be consolidation ( have been consolidated over 5 years ), saying they are waiting for employment certification ( I have records of submitting the appropriate documentation ) and they sent me a letter that my account was being processed and my request for discharge would be answered in XXXX business days. It has been over 70 days and I have no correspondence. They have no mechanism to talk with an account XXXX. I have waited on hold for hours, been cut off several times and have had customer service agents run me in circles and then hang up. I have detailed notes on everything and am often reduced to tears because of the situation. I don't know where to turn or who could help me. My loans just keep rising due to being from the early 1990 's and having high interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Chime Financial Inc
State: CA
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:
Hi I bank with Chime and had fraud occur on my account on XX/XX/XXXX. While I was at work at my bank I work for. 

Two charges occurred simultaneously one for {$29.00} and one for {$29.00} both for the same fraudulent company at XXXX out of Florida. I have filed my claim with Chime over 5x now have called and spoken with no less than 50 different agents. Spoken with 10 supervisors and also emailed their so called investigations team as well to date I have just called again today XX/XX/XXXX and it has now been over 3 months and still no response or resolution. They have done nothing but give me an absolute runaround. This occurred on my credit builder credit card so no provisional credit is possible yet since its been over 90 days the credit should have been posted back to my account and for some reason it still has not and the claim was closed yet again! and theres no way to get in touch with anyone at investigations at all. 

Also they claim that since the card wasnt stolen it could not be fraud and I have submitted pictures of the closed credit card on which the fraud occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind due to XXXX. I was on the COVID forbearance and when it was over my lender refused to offer me the XXXX partial claim. They gave me a modification with a trial period of XXXX, XXXX and XXXX. My interest rate when I took the forbearance. I believe the XXXX partial claim would have allowed me to keep my rate. Wells Fargo refused and the modified payment raised my payment from {$2300.00} to {$3000.00}. Wells Fargo stated that my interest rate went up, however again I requested the partial claim and Wells Fargo decided to increase my payment putting me in another hardship. I spoke to Wells Fargo on XX/XX/2022 and I was told there is too many modifications. I question this because XXXX  has a XXXX month period between modifications. They refused to send me prior modifications. Now, Wells Fargo sent me a letter stating they are refusing to even review me. Isn't that a decision for XXXX to decide? I believe Wells Fargo is obstructing me from getting available assistance. I also believe Wells Fargo gave me a modification with an increased payment to " set me up to fail ''. I would like to know why Wells Fargo is not allowing their homeowners to access assistance. Also, I do not believe Wells Fargo is following the CARES act in regard to keeping me informed of assistance. I believe Wells Fargo is pushing me into default.

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