BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-16
Company: Experian Information Solutions 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:
To Whom it may concern : This is the second time that I try to remove information from my credit report that do not belong to me, I filed an FTC report and sent it to your company but these account still showing in my report, them I decided to file a police report which is been attached to this complaint, I don't have an idea how my identity was stolen I just know that I need help with this situation before it becomes more serious. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to formally dispute several inaccuracies that I have discovered on my credit report, specifically in relation to the information provided by your bureau. I have attached documentation highlighting the errors and discrepancies that I have identified. 

Firstly, I would like to address the issue of the incorrect date of the account 's opening that is being reported across all three credit bureaus. 

Furthermore, I would like to draw your attention to the discrepancies regarding late payment information. As indicated in the attached documentation, there are variations in the reported months for the late payments on the account. This inconsistency not only misrepresents my payment history but also violates the Fair Credit Reporting Act, which mandates accurate and complete reporting of consumer information.According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit bureaus to ensure the accuracy and integrity of the information they report about consumers. Inaccurate information, such as the aforementioned errors, can have severe repercussions on my ability to access credit on fair terms and can potentially damage my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax is reporting my birthday inaccurate as XX/XX/XXXX. My correct birthday is XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Applied Data Finance, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I received this offer from Personify Financial in the mail. I responded to the offer because it said you can get a response within 24 hours and I applied. I went online to their site. I submitted my application provided my bank account number, routing number, my employer name, pay frequency, home address and my social security number. I was given several options of loan amounts to choose from along with the term length I chose {$3400.00} with a term of 36 months. When it came time for me to get the approval it took me to a page that wanted me to log into my bank account through their website. However, an error message appeared and there was no link for me to login to my bank on that page. I proceeded to open up a dialogue chat box which was unsuccessful. I was able to ask for a customer service number. I contacted the customer service and spoke with the gentleman who told me to take a screen print of the page that showed the error message and email it to them. I received an immediate alert on my XXXX XXXX credit bureau that there was an immediate hit to the inquiry on my credit. I explained to the customer service representative that the advertising says I should have an answer within 24 hours. I explained that there was no link for me to log into my bank account and secondly that my credit has already been adversely affected. This gentleman said after I send the email someone should get back in touch with me within a 24-hour period. I felt at that moment I've been scammed. The brochure I received was a method to get personal and sensitive information from consumers and the error message is there to prevent any offers of credit and that company had the data that they needed up to that point. 

Now I have to go and change my bank account information but this company already has my address, social security number and my credit score has been adversely impacted under false and fraudulent pretenses. 

Please look into this matter so that future consumer 's will not experience what I experienced today with this Personify Financial. 

Needless to say their interest APR rates were ridiculously high.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: NM
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:
Experian, XXXX and XXXX XXXX are ignoring my requests to investigate, verify and remove accounts from my consumer credit reports that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: Dovenmuehle Mortgage, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company, Dovenmuehle mortgage placed an escrow of {$940.00} on my monthly mortgage payment. I've been paying {$2100.00} monthly with no problem. I pay my homeowners insurance and property taxes myself, so there is no need for Dovenmuehle to do so. When I saw it on XX/XX/XXXX, I let them know and submitted proof of insurance to their insurance department, and asked them to re-adjust my payment back to the original amount. They said they would take care of it. They have not. 

I have called or emailed them repeatedly since then ( at least 7-8 times ),  and have not had any resolution. They've said they would call me back, but no one has. I have gotten collection calls and emails from them, however. 

I understand this is a difficult time, and we all need to be a bit patient. I'm very concerned, however, that they will send me to collections and foreclosure. I've never missed a payment, and I intend to continue with my payments as is. Unfortunately, Dovenmuehle is a misery to work with. I shouldn't have to pay for their negligence. 

For the record I have reached out via email : - XX/XX/20 - XX/XX/20 - XX/XX/20 - XX/XX/20 - XX/XX/20 - XX/XX/20 I have called approximately 12-15 times during that time as well. 
Their collections department has called me once, and I have received a collections email from them on XX/XX/20

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have inquiries on my credit report from XX/XX/2018 that I did not authorize, I have been trying to file a identity theft report with identitytheft.gov and was informed that I can't file one do to the government shutdown. Please remove these unauthorized inquiries from my equifax, XXXX, and XXXX credit reports. The inquiries I do not recognize ot authorize are as follows : XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX - XX/XX/2018 XXXX - XX/XX/2018 XXXX XXXX XXXX - XX/XX/18 -XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX - XX/XX/2018 XXXX XXXX - XX/XX/2018 - XX/XX/2018 - XX/XX/2018 XXXX  - XX/XX/2018 XXXX XXXX XXXX   - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 XXXX XXXX XXXX XXXX - XX/XX/18 XXXX XXXX - XX/XX/18 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX - XX/XX/2018 XXXX XXXX XXXX - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 **Letters attached**

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

DPT EDXXXX XXXX Balance Owed : {$1400.00} ; DPTED/XXXX  XXXX Balance Owed : {$920.00} ; DPT EDXXXX Balance Owed : {$4200.00} ; DPT ED/XXXX Balance Owed : {$9100.00} ; XXXX XXXX XXXXBalance Owed : {$19000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Contacted Bank of America numerous times via phone calls and through you under complaint # XXXX and XXXX about an unauthorized electronic payment for XXXX. This transaction was debited on XX/XX/2022 on my Bank of America checking account. I received a call from a Bank of America representative two weeks ago assuring me that I would get a response within the next three days. This did not happen. I have had medical issues [ XXXX XXXX, XXXX, and XXXX XXXX ] and this is elevating my health issues.I am XXXX years old and sustain life on XXXX XXXX XXXX.I can not believe how I am being treated like a criminal. I have been banking with Bank of America for many years. My XXXX XXXX funds are direct deposited to my account with them. I do not understand why Bank of America is not giving me back the money even after XXXX has indicated that they can not refund me money that my Bank is holding in a suspense account. XXXX advised that they had no problem refunding me the money, but the money was charged back on their bank account.

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 monetary relief
Consumer complaint received 2023-10-17
Company: MOHELA
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XXXX of XXXX  I requested a refund from MOHELA for the payments I made on my student loans during the XXXX XXXX. I was told shortly thereafter that my refund request was granted and that I would be receiving a check within the next XXXX days. I never received a check and called MOHELA twice over the summer XXXX  and was essentially told to wait longer. I still hadn't received the refund and called again last week ( XX/XX/2023 ). I was then told that I would need to resubmit the request but they did not give any clear reason for this. This is a substantial amount of money and I have really needed it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: BARCLAYS BANK DELAWARE
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Hi, About 6 months ago, after many phone calls, I was assured my Barclays Account Ending : XXXX have been closed. 

Barclays does not allow card holders the option to close their account online like other credit card companies. 

I was surprised to received an email from Barclays Card an " Account Alert : Your weekly snapshot '' today, XX/XX/2021.

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 2020-05-05
Company: EQUIFAX, INC.
State: WA
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:
We've contacted the company several times to update the reporting of 90 day late indication on all of the student loan accounts. We've discussed all of the history of the account and it was in forebearance at the time the account was marked 90 day late. The account should have been marked as deferred. Payment history should be reflected as such. Instead it is being marked as 90 days late. The way the loans are reported they are being noted as 6 individual accounts. So not only does the 90 day late negatively effect the credit report it is duplicated 6 times over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Last year I contacted the credit agencies by mail and mentioned to them about the unauthorized hard inquiries on my credit report and submitted my identification and electricity bill. I asked them to remove them from my account. Till this day they aren't removed nor did I receive a response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2019, an appraiser came to my home to do an appraisal for a refi. I made application for a refi with the company who held my mortgage, Lakeview Loan Servicing. 
They chose her to do the job. She came and was very scattered and unfocused. Within 5 days, I got the appraisal by email, and it was very low. Due to the fact that her comps were completely off, when she had exact comps to the subject home available in the neighborhood. I am a XXXX and know all about how it works. 

Lakeview stood by her appraisal. Which made it not worth my time to go forward with the refi because it did not reflect the true value of my home. 

I issued a complaint with my state 's Board of Appraisal and they did an investigation and recommended that the appraiser take a class in sales comparison. It was that oblivious. See Attached.

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 2022-04-13
Company: EQUIFAX, 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:
FRCA Violation credit card XXXX XXXX XXXX FRCA Violation collections XXXX XXXX XXXX  FRCA Violation inquiries XXXX XXXX XXXX XXXX XXXX XXXX  FRCA Violation personal information XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: MOHELA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been trying for 2 weeks to get someone in customer service to answer questions about my repayment and I have been on hold for 1-2 hours. I am unable to get anyone live at all to talk with and now I have another bill that is due in 2 weeks that is in a repayment status that I didn't request ( I have requested XXXX for all of my loans and this one is listed as level ). It is so extremely frustrating to be told I owe money but not be able to talk with anyone about the problem. I can't even request a forbearance while I work this out because I HAVE TO TALK TO SOMEONE. The more research I have done shows that MOHELA is HORRIBLE with customer service and getting someone on the line. This is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: WELLS FARGO & COMPANY
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:
I am not familiar with these items and I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and are not my accounts. I have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I have notified my attorney to stop the actions of your company from contacting me anymore and I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-22
Company: United Check Recovery Bureau, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I've just received a call from a woman named XXXX  looking for someone else. Phone number XXXX.

Contacted my phone numerous times. I've insisted I'm not the person she's looking for however, the calling will not cease. These harassing calls and threats of legal action to something I do not have any knowledge of towards the person she's insisting on reaching is ridiculous.

Company response to consumer: Closed with explanation