BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-04
Company: Experian Information Solutions Inc.
State: IN
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On   XXXX   XXXX   XXXX   ( via certified mail ), a letter was sent to  National Credit Systems requesting documentation to verify the debt and prove my legal obligation to them for information they provided to the credit bureaus relating to a certain account. I asked that all of the requested documentation be furnished within thirty ( 30 ) days of receipt of the request, and I advised if they failed to provide any portion of the requested documentation, all references to the account would need to be immediately removed from my  credit files and any further attempts to collect should cease.     On or around   XXXX   XXXX   XXXX    , I received an incomplete response from the company, and, as such, on   XXXX   XXXX   XXXX    , I sent subsequent correspondence ( via certified mail ) advising that they failed to comply with my initial request and all references to the account needed to be removed from my credit files immediately.     To date, the company still has not complied with my initial request and have not removed the account from my credit files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am an idenity theft victim verified by the IRS and Social Security there is a bank account that I am not aware of that has funds that were intended for me I had Bank accounts with XXXX, XXXX XXXX and Wellsfargo i think that an account exist with wellsfargo or the investment brokerage involving Wellsfargo Bank a crime ring has reportedly transfered XXXX XXXX dollars a week from an account related to my name and social security number it is under investigation by XXXX Police Officer 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 2022-08-31
Company: AES/PHEAA
State: GA
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:
My federal student loans were held with Fed Loans. I submitted the paperwork as instructed for the PSLF program. However with each submission/recertification, my date for loan forgiveness was pushed back 6 months, for a total of 18 months from the original date ( XXXX XXXX  ). I was never given an explanation for why this happened, nor was the date corrected in spite of making payments on time as instructed. However now Fed Loans has been found guilty of misleading customers. I, as one of those customers, refinanced my student loans privately to prevent interest accumulation due to the dates changing. Yet I did so on false information. Now that Fed Loans has in fact been found guilty of defrauding customers, and customers are now getting credit for payments with corrections made, I would like for Fed Loans to reassume my loans so that I may have the benefit that I was promised initially.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Never had payday loans, never any mortgage but XXXX and XXXX 10yrs plus, one credit card in ten yrs XXXX  XXXX, one student loan 2016. This is all I 've had in ten yrs. 
Also I was denied for drugs alcohol n theft from work supposedly. I have never done a drug test for work and I have never stolen. XXXX says they do n't have info. XXXX trust out of XXXX main main office pulled back ground and has a ton of abnormal inquires n accnts I 've never heard of. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, other mortgages unknown to me, XXXX, XXXX XXXX, XXXX XXXX, tons out of FL, tx, ny, ok, mo, nv, ca, I mean every other state but mine mass. My family and I have been recent victims to identify theft. I need help clearing this from my file I have never ever been in this kind of situation I need help please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: MI
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:
I have names, addresses, accounts, hard inquires on my credit report that is making it hard for me to get credit that should've been deleted off my credit report. Old information that isn't correct that need to be removed and bankruptcies that should've been removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I have names, addresses, accounts, hard inquires on my credit report that is making it hard for me to get credit that should've been deleted off my credit report. Old information that isn't correct that need to be removed and bankruptcies that should've been removed from my credit reports.

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 2017-08-29
Company: SLM CORPORATION
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
X/XX/2017 - I logged into my account to check the amount I owed this month and the amount had nearly doubled. I checked the interested rate, and it was n't that much more than it was the prior month. Furthermore, I decreased the amount I owed below what the original loan amount was, so it did n't make sense that my loan payment amount nearly doubled in the course of a month. 

I have n't spoken to the lender yet because I am worried they will deny it. I 'm concerned that I am being punished with higher payments because I pay more than my minimum monthly payment. Basically, I think they are punishing me for trying to pay my loan off early.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On X/X/17 at XXXX XXXX I went online to make a payment to pay my XXXX XXXX XXXX balance to a {$0.00} balance. I then reviewed my account and saw I was hit with a {$27.00} late fee And a {$1.00} Finance charge. When I contacted comenity I talk to 3 separate account managers all of them who said they will not remove my late fee because I paid the account 32 minutes after there cut off time. There is no where on the website that states their is a cut off time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This a formal complaint against TransUnion regarding inaccuracy on my credit file. On XX/XX/XXXX I discovered that XXXX XXXX account number XXXX opened XX/XX/XXXX is still being displayed on my credit report which is inaccurate. This account was disputed by me to be removed/deleted permanently from my credit file due to several proven inaccuracies. I contacted XXXX XXXX as well regarding this matter and I was informed that an " account deletion '' was mailed to all three credit bureaus. Please delete this item immediately. This account was deleted between XX/XX/XXXX and XX/XX/XXXX by XXXX and XXXX which I have proof. I know that CRAs do not share credit information with one another and that it 's FCRA law that the furnishers update these agencies with the accurate and updated information. However, this is NOT the case because XXXX XXXX complied to the FCRA Law when they notified TransUnion in writing for this account to be deleted from my credit file. I 'm requesting that you follow suit with XXXX and XXXX by DELETING/REMOVING this account from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: Experian Information Solutions Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX has been paid off since XXXX/ they told me they were going to remove the account off my credit report and never did. I contacted them again and they hung up the phone on me. XXXX XXXX put a late collection for the month of XXXX on my Experian credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In Accordance with the Fair Credit Reporting Act XXXX XXXX credit card Has violated my rights by putting late payment status on my credit report 15 U.S.C 1682 section 602A. 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 1666B : A Creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: GA
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 seemed to have been impacted by the equifax hack. I checked my status at https : //www.equifaxsecurity2017.com/XXXX and it came back saying I may have been impacted by the hack. I feel that this is a misuse of my credit information and am highly concerned about this information being used to harm my credit. I have not been able to pull my credit report from equifax either using XXXX XXXX XXXX So I have no idea how this has impacted if it has yet at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: ENOVA INTERNATIONAL, INC.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
XX/XX/2019 - Cashnet USA fraudulently took out {$1500.00} dollars out of my bank account, this fraudulent behavior is being investigated by XXXX XXXX XXXX. I never took a payday loan and never did business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
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: Account information incorrect

Complaint:
In Accordance with the Fair Credit Reporting Act XXXX XXXX credit card Has violated my rights by putting late payment status on my credit report 15 U.S.C 1682 section 602A. 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 1666B : A Creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose

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 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
The existing problem with these consumer reporting agencies is still not resolved. I still have incorrect information reporting on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-03
Company: EQUIFAX, INC.
State: GA
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:
Hi All Credit Bureau listed me as an authorized user for XXXX XXXX, I never authorize or gave my social security number. I want XXXX XXXX  removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
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: Personal information incorrect

Complaint:
I am in the process of buying a home. My lender submitted us to underwriting and my equifax report came back saying fraud. My lender told me and I immediately called on XX/XX/XXXX. On XX/XX/XXXX I was told that my identity couldnt be verified because the information I was giving them didnt match up. I continued to call every day. Each day Id get a different answer. After two weeks I was finally told what information was wrong and it turns out that my social had been submitted with someone elses credit report. Completely different name birthday and address. I was finally told that in order to fix it I needed to fax my documents ( cover letter, social security card, Drivers license ). I sent these on XX/XX/XXXX. I continued the call every day to check the status. Every day I was told that they were received just not processed yet and to keep calling. I multiple times requested a supervisor and was never connected with one. I was told they should be done today XX/XX/XXXX. I called today and was told they in fact never received any documents, being extremely frustrated given that it has now been 2 weeks since I originally sent them and I was told they had been received, I requested a supervisor. After being on hold 20 minutes I finally was connected with the supervisor. He was extremely rude and proceeded to laugh at me while I was frustrated and told me that there was nothing he could do and that I just needed to resend my documents and then wait another 3-5 business days for them to be processed. We are now about 2 weeks from closing and still havent been able to be submitted to underwriting. We are about to lose the home that we BUILT because equifax has been completely unhelpful and completely unorganized. This is an extremely time sensitive and important matter which to no concern has been taken from them at all. I have resent my documents but no longer have time to continue waiting another month like I have already done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX ; XXXX  and Transunion are falsely reporting that I am ( 120-180 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Passport for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After being intimidated with a court summons ( 2020 during the pandemic ) left at my door, and my XXXX nephew retrieve it as I wasnt home. I went to XXXX court to see what it was about sat on XXXX for 2 hours, no one ever showed up, so I contacted XXXX XXXX directly. 

I tried working out a settlement, NO YOU HAVE TO PAY IN FULLSo I did my best I paid more than half of the balance due and just couldnt afford it anymore. As many people struggled during the pandemic, I just didnt have the money to give and still dont. I reached out to them again ( 2021 ) asking if the payments I made could clear the debt never heard back. 

Now as of recently, they have frozen my bank account for this debt, how is that legal and how am I supposed to pay bills if my account is frozen? I know they are money hungry and dont care about people, but people are struggling, high inflation, gas, low to no pay and you freeze their accounts, such unscrupulous tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: Experian Information Solutions Inc.
State: CO
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 ; Experian and XXXX are incorrectly reporting a collection in the amount of {$1500.00} on the XXXX XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) This account was included in my bankruptcy and therefore there is not oustanding balance to report. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2019-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 and Transunion are incorrectly reporting a collection in the amount of {$1500.00} on the XXXX XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) This account was included in my bankruptcy and therefore there is not oustanding balance to report. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2022-03-04
Company: SOUTHWEST FUNDING, LP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I consulted with a representative of Southwest Funding to refinance my home mortgage. I actually have two loans that were going to be rolled into one large one, in excess of {$500000.00}. Since my income alone was not able to qualify for the refinance, my parents were set up to co-sign for the loan. I was repeatedly told that everything looked good. At the last minute, however, the agent told me that the underwriter was requesting a letter to be written by a financial institution that needed to state something that was not true. The letter was to state that a particular annuity would provide a specific amount of money every month for a certain duration. I explained to the agent that was not how that particular annuity worked, and that all the other sources of income were more than sufficient to cover the amount in question. Though the annuity COULD regularly provide the requested funds, it would be financially unwise to do so, and that promising that it WOULD provide them would be dishonest. He told me that the letter was an absolute requirement, and that I would be free to renege on that promise after the loan went through. I explained that, to my understanding, making a statement that was false for the sole purpose of obtaining a loan constitutes fraud. He then told me that his superiors at Southwest Funding therefore decided to refuse to do business with me. My complaint is that Southwest Funding asked me and my family to commit fraud by misrepresenting our financial situation in order to obtain a loan, and when I refused, they ended the business relationship. I have documentation that supports every aspect of this complaint.

Company response to consumer: Closed with explanation