BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-11
Company: EQUIFAX, INC.
State: MO
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:
I am disputing these fraudulent items based on the fact that they are the result of identity theft or fraud, and therefore, should not be attributed to me. I am providing the following supporting evidence : I have attached any additional evidence I have gathered to support my claim of fraud. 
I kindly request that you promptly investigate these fraudulent items in accordance with the Fair Credit Reporting Act and take the necessary actions to have them removed from my credit report. Please provide me with written confirmation of the results of the investigation and the removal of these items. 

Furthermore, I kindly request that you provide me with a free copy of my updated credit report once the investigation is complete. I appreciate your prompt attention to this matter, as it is essential to my financial well-being. Please do not hesitate to contact me if you require any further information or clarification. I am asking for your assistance to remove the fraud items in my credit file immediately : 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 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 2023-06-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I have been receiving statement balances, advertising, and other personal information via email for another person and their XXXX XXXX Credit Card with Citi Bank. I do not have a Citi Bank account and have been unable to unsubscribe from these notifications. I just spent an hour on the phone with their customer support and they refused to remove my information from their accounts or give me an avenue with which to resolve this issue. I simply do not want them to be sending me this email along with another person 's personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
NewRez, Shellpoint Mortgage Servicing paid XXXX County Tax Commissioner for XXXX for property located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. The payment was made in error because, as the new owner at XX/XX/XXXX, XXXX County created an updated bill with extended due dates. I have attached the tax history. 
Because NewRez mistakenly made this payment they put my principal and interest loan into escrow. They also increased my p & I loan of {$1300.00} to {$1900.00} now including XX/XX/XXXX of the previous homeowners property bill. 
My actual bill is based on homestead, and is {$1000.00} less than what NewRez calculated. 
With that said, I have already paid my XXXX taxes first installment of 2 to the tax Commissioner in the amount of {$1800.00} on XX/XX/XXXX. 
NewRez has been putting my monthly payment in a suspense account, which shows me as delinquent. They won't take me out of escrow because they've created a delinquency on my loan. I have always paid early. 
Now NewRez has placed me in loss mitigation until I pay back escrow of {$3000.00}. 
I have talked to customer service folks, loss mitigation, and the escrow departments since XX/XX/XXXX, to get my payment back to p & I of {$1300.00} as it should be since closing on this loan back on XX/XX/XXXX. 
I can not pay the higher escrow payment for property taxes since I've paid my taxes on time as the attachment will show. 
I hope you will assist me in this problem. 

XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, 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:
This is my 5th 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, CA XXXX XXXX, CA XX/XX/XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
please refer to complaint No. XXXX XXXX XXXX v Capital one ( credit card ) my complaint is about Capital One, due to theirs abusive collections activities, in XXXX when my funds run out after a bank robbery that happened at work I happened to be the Branch Manager which by the way my employer has not taken responsibility for the incident. and after I explained the situation to capitol one, they promise to work with me ( but capitol one was demanding money that I didn't have ) I keep communication with the rep who was calling me and sideling I was sue. 
I have copy and paste the activity with the XXXX County Metropolitan Court, I also feel that the process was misleading due to how I was served documents, I have attached a file for your review ( Capitol one sent documents that were not file with the court ) please compare to what is was sent in the complaint number above. 
after these experience I learned that Capital One intentionally sent documents that weren't file with court causing me to believe it was too late to do anything for example after getting documents about a judgement, about a deposition, and when I called the court the court refer me to the law office ( left many voice mails without getting a call back } the law office who is listed as representing capitol one would not speak to me to give me information it almost felt like they had no intensions of working with me for example I spent a lot time calling them to make payments arrangements even after the judgment by error I was transfer to the attorney where he was obligated to transfer me to the gentlemen who is handling my case ( when made payments arrangements I was promise in writing about the payments arrangements I have not received anything and again I keep leaving voice mails never gotten a call back ) and by the way I have being making payments on this account, but none of the payments are being reported to credit report. 
I ALSO WANT TO ADD THE EVENT AFTER THE JUDGEMENT ON XX/XX/XXXX. CAPITAL ONE FILE A ABSTRACT JUDJUMENT WITH THE XXXX COUNTY ON OR ABOUT XX/XX/XXXX, in addition I RECEIVED DOCUMENTS FOR A DEPOSITION SCHEDULE WITH XXXX  XXXX XXXX, ( XX/XX/XXXX ) I FEEL THIS PROCESS IS VERY ABUSED FOR A CREDITCARD I FEEL THERE IS MORE TO THIS .... I ALSO FEEL THAT MY PRIVACY HAS BEEN CONPROMISE AND THE CAPITPOL CONTINUES TO SHARE MY PERSONAL INFORMATION INCLUDING XXXX  XXXX XXXX WHO HAD MY MORTGAGE LOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please examine the attached documents. I am seeking an investigation into the accounts that report me as late, even though I have never been late on them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: GOLDMAN SACHS BANK USA
State: MI
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
An Apple Card was fraudulently added to my name and used to siphon funds from my bank account from XX/XX/XXXX to XX/XX/XXXX through Goldman Sachs. The amount owed was reported as fraud and charged off so that I wouldn't be entitled to the return of funds. I never requested it to be charged off, only investigated so that as a result, my funds were returned to me. 

The final grouping of payments that were denied due to insufficient funds were not the only funds that were illegally accessed. Again, the payments made between the dates of XX/XX/XXXX to XX/XX/XXXX were fraudulent as well. 

Goldman Sachs and involved credit bureaus acknowledged that the payments were fraudulent but Goldman Sachs has refused to return the funds that was stolen. I was given multiple dates for a return of the funds, which is notated in Goldman Sachs notes but funds have yet to be returned as of XX/XX/XXXX. 

I am aware that there is a XXXX period after which legally, I am to receive returned funds and have expressed this to Goldman Sachs XXXX XXXX XXXX, XXXX Department but yet have not received any refund as of this date. 

I am in need of the funds to avoid further financial distress. And request that this refund process be expedited. I am prepared to seek legal remedies for pain and suffering and mental distress associated with the ordeal. The total amount is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: Navient Solutions, LLC.
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: Account status incorrect

Complaint:
THE COMPANY NAVIENT ; SHOWS MY ACCOUNT 90 DAYS LATE THERE IS NO 30 DAYS OR 60 DAYS LATE ON MY CREDIT REPORT ON XX/XX/22 MY CREDIT REPORT SHOWS CURRENT BUT ON XX/XX/22 MY CREDIT REPORT SHOWS 90 DAYS LATE ON XX/XX/22 SHOWS NO DATA FOR THIS PERIOD NOTE THIS HAS RUINED MY CREDIT SCORE IT WAS XXXX KNOW IT IS XXXX MY DREAMS OF HOME OWNERSHIP FOR MY FAMILY IS GONE UNTIL THIS ISSUE CAN BE RESOLVED I PRAY SOMEONE WITH A HEART READS THIS AND HELPS ME WITH THIS ISSUE MAY GOD BLESS YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
- Started refinancing my existing mortgage on XX/XX/2021 - Received a closing estimate and a notice to close on XX/XX/2021 - Lender is Bank of America - Actual closing happened on XX/XX/2021, without any explanation and with a dishonest and disrespectful behavior of loan agents and his supervisor throughout the process - Called the Bank of America to file a complaint several time and sent various emails regarding the extreme delay in the refinance application process by the Bank of America which caused me several financial losses ( including time opportunity cost and losing other options with low rate mortgage payment opportunities over the past 7 months - my estimate is at least {$20.00} ) and all these caused other challenges in our family and life planning throughout this year. A summary of what i kept mentioning to the Bank is as follows : 1. Time opportunity cost for 7 months as of XX/XX/2021. I had to continue paying my current mortgage at the rate of 3.5 % which I could save if there was not such a long delay in my refinance process with BoA 2. I have received several offers for a refinance payment rate as low as 2.0 % 3. I have received several emails, letters and calls from other lenders ( including XXXX XXXX, my current lender ) with guaranteed closing dates, lower closing fees, which I had to turn down because of my ongoing application with BoA. 

4. BoA has performed a hard check on my credit twice which has caused damage to my credit score thereby charging higher rates. This is true if I now want to go with other lenders as well. They are going to charge me higher rates. The need for the second round of the credit check was because of the extreme delay on the BoA side. 

5. BoA is going to charge me with another {$920.00} fee for the title as an additional cost which is not my responsibility at all and hasn't been discussed in the offer letter and throughout the process. 

Last but not least, the Bank never respond to my complaint with a prompt reply. And I have observed dishonesty throughout the process. 

I am writing this on XX/XX/2021 and the disbursement date is on XX/XX/2021. But I haven't heard back from them. 

After so many follow ups the loan officer sent me a complaint case number, XXXX, which is the number they use to track my complaint. I have tried to call BoA 's customer service and other numbers to track the complaint and find out about the status. But all I heard was that they can not place such a tracking number and no success at all.

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 2023-11-07
Company: EQUIFAX, INC.
State: TX
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:
I kindly request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report. Your prompt attention to this issue is deeply valued and greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Nelnet, Inc.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hi, In XX/XX/XXXX, I signed up for an income driven plan with my loan servicer, Nelnet. I went into my account in XXXX, and found out Nelnet took me off my payment plan. I was supposed to owe {$0.00} until XX/XX/XXXX. Now, it says I owe over $ XXXX/month beginning in XXXX. I contacted customer service, and they sent me a generic email telling me to reapply for a repayment plan. I reapplied, and then they sent me a generic email saying I needed to recertify instead of apply. I sent my new application in on XX/XX/XXXX, and I still havent heard anything from them. I feel like they are giving me the run around and no one will tell me why my income driven plan is no longer active. Ive sent multiple emails, and Ive tried calling. The current call wait time is over 40 minutes. I once had them call me back, and the phone hung up once I picked up the phone. Im trying to get a mortgage on limited income, and a $ 1200/month payment is basically my whole XXXX check. The mortgage letter on the Nelnet website currently says I owe over $ XXXXmonth. This is ridiculous. Ive attached the original income driven repayment plan letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
XXXX XXXX ( XXXX credit card ) incorrectly filed on my credit report. When I called them about my alleged late payments and charge off, they said I " owed '' them the XXXX figure. But the report clearly says, " charged off. '' If something is charged off a 1099a is sent to XXXX XXXX which means it is now income earned for the company. 
I can not owe on income. And this now becomes inaccurate reporting on their part. They are trying to be paid twice for the same case. 

I would like to exercise my right as a consumer to 15 USC 1681i ( a ) due to the nature of inaccurate reporting on my report. 

Also, in 15 USC 1681 ( a ) 1 it says that the banking system is dependent upon fair and ACCURATE reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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 2021-08-17
Company: EQUIFAX, INC.
State: PA
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:
I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX //LATE open - Balance {$2200.00} XXXX  XXXX XXXX  XXXX //LATE open - Balance {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: IL
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:
While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), the below false creditors will be liable for your willful non-compliance. Also, in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX XX/XX/XXXX ), they may be liable for false reporting.

I respectfully requested to be provided proof of this alleged item, specifically the original application, contract, note, or other instrument bearing my signature. 
Please send all validating records through the CFPB and certified mail to my address. I have uploaded a copy of my ID showing my mailing address. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 

Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately, or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/2021 & XX/XX/2021 Dynamic Recovery Solutions Llc Illegally obtained a copy of my credit report without my consent. I have also endured numerous harassing calls and threats from this company. I did not authorize any of this and I also demanded a cease and desist.

Company response to consumer: Closed with explanation