BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-04
Company: Summit Horizon Financial Services
State: IN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Got a call XXXX XXXX XXXX initially at XXXX XXXX then later at XXXX XXXX saying my loans were being decreased from $ XXXX to $ XXXX, agent name XXXX XXXX with phone number XXXX. I asked if he worked for the federal govt. and he said he worked with the Dept of Education forgiveness program. He already knew all of my contact and personal info incl SSN. He asked me security questions. He made me sign a an online form via XXXX doc that I later noticed was actually a Limited Power of Attorney form from XXXX XXXX XXXX XXXX. I later saw emails in my acct. from Dept of Ed. indicating my account was locked. I stupidly gave my debit card info but immediately blocked the card and change all my passwords, filed a credit block with XXXX, when I realized this was not the Dept of Ed. He said he could give me a payment plan of XXXX months at {$180.00} and then {$45.00} a month for XXXX months. I was also told if I paid {$1500.00} now it would then go to {$19.00} a month. He told me I had to decide and pay today but agree to wait until the XXXX when I told him I don [ 't have any money now. There is no record through my bank of any transactions in my account. Emails have come from XXXX asking me for paystubs, a copy of my driver 's license, which I did not provide ( although I did confirm my Driver 's license ID verbally during the call ).

Company response to consumer: Untimely response
Consumer complaint received 2022-01-18
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: LEXISNEXIS
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Bankruptcy showing on all my credit reports where never given permission I have called XXXX to remove all bankruptcies information from my report I pay them monthly and constantly calling them about identiy theft on my report they have not done anything also with XXXX and XXXXalso LEXISNEXIS,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: GOLDMAN SACHS BANK USA
State: TN
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:
Goldman Sachs Apple credit card reported I had a late payment on XX/XX/2022. I called the creditors and they wont fix it or help me anyway. I talked to different people and they never help me with this. I just want them to report it as PAANL ( Paid as agreed, never late ). 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I suspect fraudulent activity from ACCOUNT # XXXX XXXX XXXX XXXX.I have attempted to Validate this account that doesnt belong to me but the company didnt respond within the 30 day window as it must under the FCRA It has failed to validate this debt all that has been provided is a company letterhead with a account # they claim to be mine as you will see in the attached correspondence please remove this account immediately from my consumer report immediately as I consider it a fraudulent account that has violated my rights under the the FDCPA, FCRA.

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 2021-06-22
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am XXXX and in of XX/XX/2021, I have been unable to initiate an online dispute with the XXXX  credit bureau. Whenever I call, there representatives, rarely listens or understands my concern, continuously transfer me to another department that does not help, most of the time lie and tell me that I don't know what I'm talking about and offers to take the dispute over the phone. There are multiple inaccuracies on my consumer report which have negatively impacted my credit file. I have initiated a few disputes with representatives online and they tell me it will be updated in a few day, but they do not that any evidence/confirmation/statuses of those disputes ever happen. I pay a monthly membership that allows me to view my report, the report has an option that allows me to initiate an online dispute. The option to do online dispute is always reporting errors and instructs me to call. The representatives are very rude, not understanding and very demeaning and rarely listen. My last two calls that were transferred, had me on hold for over two hours and finally when I did get through. I was told that the department had already closed try back the next business day

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
I reported XXXX charges that were made without my permission to Capitol One - XXXX for XXXX - and XXXX by the XXXX XXXX - XXXX - both in XXXX. 

I filed the complaint with Capitol One directly - and gave a statement in support of my claim. The representative and supervisor stated my balance would be credited for the amounts of these charges pending the outcome of the dispute- which could take up to 90 days. I also submitted documentation - including receipts from another hotel showing I was at that hotel - and not the XXXX. I have since sent a notice of intent to sue to the management of the XXXX. 

Today, I called Capitol One and was told they reapplied the charges because they did not see any response from me. This is incorrect. Not only did I supply proof, I called to follow up Capitol One and reiterate the complaint. I demanded that the balance be credited again and offered 5 times to resubmit the proof. The rep sent 2 new links to upload documents.I asked for a supervisor, and was given XXXX ID # XXXX who claimed Fraud and Dispute XXXX. 

I spent 51 minutes on this call. 

XXXX did not help. XXXX contradicted the statements of two previous supervisors- he claimed that Capitol One did not provide balance credits pending during the investigation. XXXX was hostile, continued to talk over me, was so busy on script, he did not address the issue, he refused to look at the record, he said he was going to " cancel the card '' - I kept telling him the card had already been cancelled ( card ending in XXXX ) ; he continued to ask questions that had already been answered- ie he acknowledged that 2 new links had been sent to me for upload - then later asked did I receive these same links to upload documents. 


I was clear - I am not paying for charges I did not incur. Capitol One continues to provide poor customer service - I want these charges to be removed, and my balance should be reduced immediately as is the policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2015 we refinanced our loan with Nation Star Mortgage ( the loan was already with them ). All disclosures, Estimated Fees and Costs, the Federal Truth in Lending Disclosure Statement, the Payment Letter to Borrower, the Impound Authorization and Payment Notification, the Initial Escrow Account Disclosure Statement, etc., and the repeated assurance of our loan officer stated the same thing : our PMI payment was {$330.00}. The first payment statement ( in XX/XX/XXXX ) from Nation Star had PMI at {$330.00} as agreed. Now on XXXX XXXX, I get a statement telling me that my PMI is now {$540.00} - a SHOCKING increase of {$210.00} every single month - that is {$2500.00} per year! I called Nation Star today and they had absolutely no information except to say that they ( the escrow department ) had " just gotten all of the information '' and that my PMI is now {$540.00} per month and that they needed even more additional money per month because they " did not ask for enough up front at closing for their 'cushion ' so there is a shortage that is also going to require an additional {$65.00} for the next year so that they have the proper 'cushion ' on hand. '' This is a fixed rate mortgage. The principle and interest are {$2400.00} per month. The disclosed/agreed PMI was {$330.00}, the hazard insurance was {$100.00}, and the taxes were {$390.00} for a total monthly payment of {$3200.00}. Now they are claiming P & I is {$2400.00}, PMI is {$540.00}, insurance is {$120.00} ( which I expected because Nation Star told us to get more insurance in XX/XX/XXXX so it increased the annual premium by {$100.00} per year ), taxes are {$390.00}, and the escrow " cushion '' shortage payment of {$65.00}, for a new total payment of {$3500.00}. This is almost {$300.00} per month higher than disclosed and agree just one month after our first payment! Had we known that the PMI payment could fluctuate like this, we would NEVER have agreed to this loan - we had other options! We spent over an hour on the phone trying to get some answers, but got no where beyond " that 's just what you owe '' and " that 's how the numbers came in when we got them. '' This can not be right! Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Fidelity National Information Services, Inc. (FNIS)
State: UT
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:
CHEXSYSTEMS , INC. CONSUMER RELATIONS XXXX XXXX XXXX XXXX XXXX XXXX, MN. XXXX IS REPORTING FRAUDULENT INFORMATION IN MY GOOD NAME VIOLATING THE FCRA RULE OF LAW.

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 2023-03-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX Child support has violated my federally protected consumer rights. This fraudulent account is causing harm to my personal credit report. 

15 U.S. Code 1681b - Permissible purposes of consumer reports Section ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. 

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting One hundred percent accurate. It lists the Child Support court as the furnisher and that's forgery and misleading when the courts don't report this type of account. 
This account was removed before but then placed back on the report. 
18 U.S.C 8 I owe no debt, This company is violating my Consumer rights to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: AES/PHEAA
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I called AESXXXX years ago to have the account removed from my credit report because it was paid off on XX/XX/2012. They said I had to wait XXXX  years for the account to fall off of my report. XXXX years later, my credit scores ( XXXX and XXXX ) are still being negatively impacted by this account. I tried to dispute the account with XXXX recently. They said because I disputed the account, the clock will start over and the account will remain on my report for another XXXX to XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The account listed transactions are not done by myself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was recently transferred to Mr. Cooper. Under my mortgage agreement, Mr. Cooper is required to pay property taxes and homeowners insurance on the property. I have made every payment that is required. Mr. Cooper has not made the homeowners insurance payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
There is an auto loan on my account that was with XXXX XXXX XXXX XXXX. It was included in my now XXXX XXXX XXXX bankruptcy, surrendered to a third party, my ex husband. XXXX XXXX XXXX XXXX did not file a reaffirmation agreement with the court. The ex husband made a separate agreement with XXXX XXXX XXXX XXXX to pay off the vehicle and has been paying it, in fact paying it off this month. XXXX XXXX XXXX XXXX continues to reflect this negative reporting on my credit, I have disputed with Experian 4 times and XXXX XXXX XXXX XXXX XXXX time. I have also an open dispute with XXXX as it appears they reported it accurately in XXXX but XXXX XXXX XXXX XXXX reported it again negatively in XXXX. It is shown accurately on XXXX reporting " included in bankruptcy ''. I will continue to fight this until the XXXX credit bureaus show it accurately as " included in bankruptcy '' as XXXX XXXX XXXX XXXX is being deceptive and lying in that they have a separate payment arrangement made with my ex husband, that has nothing to do with me as surrendered the vehicle in XXXX. This is wrong, and it is damaging to my credit reporting preventing me from being able to obtain financing on a new home. As a single hard working mom, I will always fight for what is right to defend my home, my son and our livelihood.

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 2023-02-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I had a loan through wells Fargo for a used car I purchased in a dealership in XXXX XXXX Nevada I recently found out that Wells Fargo added more charges and or on the interest rates on loans from XXXX through XXXX. My loan with the bank was from XXXX through XXXX. I'd like to see if I am entitled to money back from a settlement they just lost

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 2023-02-04
Company: EQUIFAX, INC.
State: NC
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I have late payments on my credit report from NCSECU from XX/XX/XXXX- XX/XX/XXXX. I called NCSECU before I was ever late and asked for a deferment because I was sick and was out of work. If I don't work I don't get paid as an XXXX XXXX. I was sick for several weeks at that time not knowing I had XXXX. Then my wife was sick and I had to take care of her and then my kids. Struggling to catch up between this time I finally gave up and sold my house in XX/XX/XXXX because NCSECU only cared about getting their money and on time. I called in multiple times to avoid late payments. The first time the representative said they can't help me because i am already a few days late. When the world shut down and everyone realized what was going on with XXXX  the bank had been offering help to avoid late payments for mortgages to help those in need. Well we were desperately in need and I called in again and stated this and they denied any deferral of my mortgage or assistance because I was already 30 days behind. We were forced to sell to avoid foreclose and been struggling with XXXX since then because we no longer have our own home and to top that have we late payments sitting on me and my wife 's credit report preventing us from ever getting a new mortgage in the future. This was extremely unfair during those times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: NY
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:
Equifax is reporting inaccurate data to my consumer report. 
XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX. - XXXX XXXX {$800.00}. 
Acct Status : OPEN Remarks : Dispute and Collection Acct. 
According to FCRA Law an account can not be reporting Open and In Collection at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I did not give authorization or start these accounts, and it is unjust for me to bear responsibility for them. I implore you to take prompt action to correct this mistake

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 2022-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2022 my personal information was used to open an account with " XXXX XXXX XXXX I don't know who stole my identity but I am certain I have not applied for this account myself. Therefore this account is fraudulent due to a fraudulent application under my name.

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 2022-09-24
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:
So I sent letters off on XX/XX/2022. Here are my tracking numbers XXXX, XXXX, and XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not supposed to share my information with third-party people.

These are clear violations of my federally protected consumer rights.

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