BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-16
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$550.00} ; XXXX XXXX XX/XX/ XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
There are non-mailable addresses on my credit report and they do not belong there. They were never my addresses : XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2017-07-16
Company: Lending Club Corp
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: Account status incorrect

Complaint:
On XX/XX/XXXX  I disputed an account on my credit report. I aso requested a verification with my signature from the reportig company. After 30 days the account was not marked as disputed, and tey had not provided me with sufficient verification of the account. A statement is not proof, as has been shown several times. On XX/XX/XXXX  I notify them that the verification of the account is not sufficient. On XX/XX/XXXX I notify them of the failure to mark my account as disputed and the breach of FCRA. The company still has n't marked the account as disputed, instead they closed it and reported derogatory statuses on my report. This is completely unacceptable to treat consumers in this way

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: PNC Bank N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have been in business for over 30 years. I own a XXXX. Up until about 4 years ago I was using a couple different bank accounts. Pnc bank came to my XXXX and got me to consolidate my bank accounts, credit card processing, credit cards, and lines of credit through them only. We accepted because there were multiple benefits by switching to one bank for our business and personal banking needs. Once we switched to PNC only, they were able to see how much money they could make off of us, so they continued to try to get more of our business switched to them, and away from our main credit card which is XXXX ( which we spend about {$50000.00} a month on ). We do a pretty large volume of sales, through cash and also through credit card processing. After about a year of doing business solely through PNC they contacted us regarding large cash deposits, and the frequency of them ( which was about 3 years ago from the current date ). A VP of banking came to our store location to ask us some questions regarding the deposits, and also to see our store operations. He took pictures of our XXXX square foot XXXX, the amount of merchandise we have, our previous 3 years tax returns, and at the time the most recent bank statements. After seeing our store, and the amount of volume of sales we were doing, they had a better idea of our business, and said things were fine. Recently we received a letter from PNC stating that they were closing our business account, and also my personal checking account. The form gave no explanation as to why this was happening, only a phone number to call, which they basically told us they did not have to give us a reason as to why they were closing the accounts. Their reasoning was that they no longer want to do business with us. The business is owned by me and my daughter, who also has another business she runs. Neither her personal accounts, or the seperate business accounts were closed. The local branch manager was also not able to give us an explanation as to why our accounts were being closed either. The worst part about this is not only our business checking and my personal account being closed, was that they did n't close out the credit cards, credit lines, or our credit card processing through them ( which if we decide to cancel, they will charge us 250 a month fee for the rest of the contract, about 1 year left ) Now we have to switch to another bank for business checking and personal checking, but continue to use their merchant processing, which we will get charged a monthly fee for not rolling all of our business transactions through XXXX. We do business with a very diverse clientele, XXXX, XXXX, and also XXXX customers. I am an XXXX, XXXX XXXX who is also an XXXX citizen. Does the issue that they have with us have to do with the fact of my nationality, my customers nationality, or something else? I have no idea, because we were given no exact answer as to why this is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was supposed to be put in and reduced interest rate plan. I was in this plan the previous year and the guy said he was setting up the plan again for me. So I set up my account to have a certain amount of money taken out that would cover my XXXX private loans. It looks like it was good and working up until XXXX and then all of a sudden the money getting taken out did not cover all my loans. Therefore causing me delinquency on my account and also a late payment fee. This is also happening the past when it was XXXX and that messed up my credit really bad

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX is being reported on my credit report as an authorized user. Please delete this account from my credit report. This is not my account. I am not an owner of this account and I have never requested nor authorized to be added as an authorized user. Delete this from my credit report immediatley

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 2022-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
Hello to whom it may concern, I am reaching out in regards to fraudulent inquiries on my credit report. I have contacted both the creditor, XXXX and customer service would not take care of the issue. 
The Inquiries listed were : XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/2021 Capital One ( Bank ) XX/XX/2021 XXXX XXXX XXXX Bank ) XX/XX/2021 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2017-03-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I took a loan out with XXXX in XXXX. I was not able to pay back the loan and it went into collections with " XXXX XXXX XXXX, XXXX ''. Once I was financially able to pay the loan off, I call the collection agency and paid the loan off. This was done in XXXX '. My Experian Credit report still says that I am in collection on this loan. I tried to dispute the information, letting them know I paid the loan off, and it was denied. I tried again to dispute the information, and was told I could not do this because I had only one time to dispute the item. 
Now, I it says I still owe {$3200.00}. that is in collection, and past due as of XXXX XXXX. This is not correct and it needs to be updated to say I paid the loan off. Any help on this would be very much appreciated. Thanks,

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 2022-05-02
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Good Morning, I have contacted you before with concerns regarding my escrow account.

I tried my best to get my payments readjusted to the original amount.

I sent every amount requested which was over {$500.00}? The last payment sent was in the amount of {$290.00}? with a letter sent by the bank indicating I was paying forward. My local bank verified and sign and dated the letter. The certified letter arrived on XX/XX/XXXX, I was told my deadline was in XXXX. Apparently my letter was separated from the certified check when it arrived to the Mortgage Company. The payment I am told was applied to the wrong account? My request was not honored because of the Bank mistake. I was told the letter was supposed have been sent to another address. 
This is confusing ... .Why would I mailed a letter indicating I am paying the necessary amount and the check to different addresses? I was told there is now an over payment in my escrow and I am due a refund. I received a call several weeks ago about a and the Bank did not know were to send my refund check. 
I don't have a po box I received monthly statements and all Correspondents at my property address. I have requested a printout of my mortgage payments.I have asked what was in my account prior to the escrow analysis. I was told I would have to pay {$670.00} for 6 months only and then my payment will increase again. I have not received my overpayment/refund check. 
I need your help in this matter. Thanks and have a Bless day!

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 2022-01-16
Company: GUARANTEED RATE INC.
State: AP
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had a mortgage with Guaranteed Rate for approximately 2 years when I decided to transition from automatic monthly payments to paying twice weekly ( thereby reducing the lifetime of the loan ). Guaranteed Rate calls that program their Flex Draft Program, so I spoke with their customer service to get the necessary paperwork. Of course, they make the process a bit difficult because they don't want people to pay off their loans quicker, but that's no big deal. I had to sign some documents hard-copy and ship them back to Guaranteed Rate 's offices. ( For what it's worth, I'm US military stationed in XXXX, XXXX, so mail can take a little while ). 

The agreement clearly stated that my Flex Draft Program would take affect in the month after they received my signed documents. Based on the chat transcript I have attached, Gauranteed Rate recognizes that my documents arrived on XXXX XXXX. Therefore, my Flex Draft Program should have started in XXXX ( as indicated in the attached Confirmation letter ). Enrollment in the Flex Draft Program additionally requires that the Automatic Payments system be turned off, which I did. I then dutifully waited for the Flex Draft Payments to kick in throughout XXXX. They did not, but I didn't want to make a manual payment and risk messing up their system. 

Instead, early XXXX rolls around and I am immediately hit with a late payment notice. I've never made a late payment on anything, ever, in my life, and I had more than enough money to make the payment ( I can provide bank statements to prove that, but it seemed weird to attach those to an automated, unencrypted system ). Guaranteed Rate is the one whose system failed to activate and make the appropriate payments. But my credit has now taken a significant hit ( see attached credit report ), which I feel is entirely unjust. 

I have contacted Guaranteed Rate, and their position is that their hands are tied. The payment was late ( even though it was their fault ) and they are bound by law to report that to the credit agencies. It's obviously very frustrating to me that I have this delinquent payment on my record when I did everything I should have in order to make the payment. I have since sent about 3-4 continued messages to Guaranteed Rate but have not received any correspondence or replies from them since XXXX ( see attached screenshots of inbox and outbox on their servicing portal ). They've essentially stopped answering my inquiries ( calling during business hours is tough for me due to my location and time zone ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXXXXXX 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 XXXXXXXX Has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) Section stats : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. In XXXX, my information was compromised when I entered my data into a fraudulent insurance company website. When I learned how to protect my credit file from the fraudulent information, I began to send in paperwork to the bureaus around XXXX of XXXX. I was pleased when the information was removed and the CRA 's deemed the accounts were fraudulent and were works of someone using my personal information. 
Later on, when I checked my credit files in XX/XX/XXXX, I realized some of the accounts have come back on my report. I sent in paperwork again to the CRA and the creditors stating that the accounts were fraudulent. It is now mid XXXX, and the accounts are still reporting on 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 explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: TX
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:
Dear Equifax, I pray all is well I'm contacting you all because after I disputed the XXXX XXXX XXXX account and told you all it is inaccurate and not mine you all continued to furnish this account on my consumer report based soley off of information that was provided to you by XXXX XXXX XXXX according to a rep I spoke with XX/XX/2023 at approximately XXXX central time and according to the letter I recieved from you all about the reinvestigation of this dispute. It is unfair to me as a consumer that you keep furnishing this account based soley off of what the furnisher gave you all. Please see attached documents and screenshots directed towards Equifax Information Services LLC XXXX XXXX XXXX XXXX GA XXXX. I have attached a copy of my drivers licsense so you can veirfy me also proof that the other 2 credit agencies already deleted this account. I look forward to hearing from you all in a timely manner and hope you all have a blessed day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: CBC Companies, Inc.
State: OH
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: Public record information inaccurate

Complaint:
You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX my wife, XXXX, and I obtained a Pick-A-Pay mortgage from XXXX which was acquired by Wachovia Bank and finally by Wells Fargo Bank. In XXXX Wells Fargo Bank consented to a special loan modification XXXX XXXX XXXX to satisfy a class action lawsuit alleging fraud. The New Jersey Attorney General 's office reached a similar agreement with Wells Fargo. The XXXX would have eliminated accrued interest payments and would have eliminated some principal. In my case, shortly before the new modification was announced, Wells Fargo forced me under threat of foreclosure to accept an ARM which had sharply increasing interest rates. I could not keep up the payments..I was informed by the folks running the XXXX settlement that I was eligible. Wells Fargo refused since the settlement contained language that precluded folks who obtained another mortgage from participating. I allege that forcing me under threat of foreclosure to accept the extremely costly ARM constituted fraud since Wells Fargo knew that the modification agreement precluded receipt, of the XXXX after another modification was consummated. I am presently in foreclosure. I have filed an appeal, but a sheriff 's sale is imminent.

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 2019-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
Beginning in XX/XX/2018, I was contacted in person by b XXXX XXXX XXXX XXXX. I agreed to have them run my campaign on XX/XX/XXXX and placed a {$1500.00} down payment with my Capitol one Quicksilver card the next dayXX/XX/XXXXXX/XX/XXXX. We were supposed to go live XX/XX/XXXX and have a meeting. XXXX XXXX XXXX, their representative, and owner did not show up and did not return my calls.

On XX/XX/XXXX I called to dispute the charge with Capitol One.

XX/XX/XXXX Capitol one responds that they have heard from the merchant and that the claim was that services were rendered XX/XX/XXXX I contact Capitol one to say that I haven't heard from the merchant and would like to know how they reached them. Customer service rep says that merchant has agreed to refund. 
I don't want to exhaust this issue, but Capitol one Can not give me a consistent wat to send them the information that this was a scam. They keep asking for a cancellation. 
THERE'S NO CANCELLATION BECAUSE THEY TOOK THE MONEY AND RAN CAPITOL ONE! CAN'T ANYONE ON THE LINE UNDERSTAND THAT! 

ANYWAY, I'm seeking relief from XXXX  customer service people at Capitol one who lack the competency to process this scam issue. They see fit to reach out through the scammers bank but can not do anything normal to resolve this for me. 

Please help CFPB

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-15
Company: Harpeth Financial Services, LLC
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Loan shows it was taking out in XXXX. Reported on my credit XX/XX/XXXX as an open loan. The loan was apparently closed in XXXX. Advance Finacial 24/7 says loan amount was for XXXX $ Reported debt on my credit for XXXX $ Never received any notices from the company, nor any letters from a debt collection agency addressing this debt. Never had a chance to dispute this debt as being in correct. This randomly popped up on my credit report as of XX/XX/XXXX.

Company response to consumer: Closed with explanation