BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-13
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Did not receive my escrow balance refund upon closing on a refinance.

Contacted the bank who reported that the escrow balance was used towards the previous loan, however, this was never disclosed in any truth in lending or disclosure statements, nor was it reflected on the settlement statement at closing.

The points and origination fees, were so high, that I was counting on that refund to help offset those closing costs and I would not have proceeded with the refinance had I known my escrow balance would not be refunded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: MS
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX MS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$2600.00} ; XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I keep trying to login to my Equifax account but recently had to reset all my passwords, so I need help getting into my account. I keep getting an error page that states " We are temporarily unable to complete this request. 
Please try again later. '' I've cleared my cache/cookies/etc. I've searched online for solutions and found out that filing a complaint with this agency is the only thing that has worked for several other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had XXXX internet service, but then I moved houses and called customer service to see if their service was available in my new area. I was told their service did not cover my area and instructed to return the router. I went to XXXX  directly and returned the router, I also called customer service at that moment. I was told by both the XXXX representative and customer service that my balance was at {$0.00}. A few months passed and XXXX sent my account to collections and made my credit score decrease a lot. I called customer service and a XXXX told me that it was XXXX error and that after returning the router a {$7.00} charge was generated and then increased to {$30.00}. She said that I was not responsible for that charge because I had cancelled the service and returned the router like instructed. The XXXX sent out an email to get my account removed from collection and provided me a confirmation code. She said it would take approximately 24-48 hours to resolve. A week passed and nothing was resolved. I called customer service again and another XXXX told me there is nothing he can do because the account was already in collections. I told him that this was abuse, and that I have never had a late payment in my entire credit history. I also told him that XXXX informed me that my account was at {$0.00} and then they generated a payment of {$7.00} dollars that I never knew existed. Then XXXX sent me to collections and my credit went down a lot. This for me, in addition to being unfair, is a FRAUD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: FL
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 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 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
According to the Federal law, I have a rights to an Fair and Accurate consumer credit report.You have failed to do so. Im demanding to know HOW DID YOU VALIDATE, VERIFY, this Debt by Federal law. Every month SOME companies are reporting newer accounts on my consumer report. 
This is damaging to my FICO score continues artificially. 
Show me physical contractual agreements with the reporting companies? 
According : FCRA. FCDPA if not remove immediately.

Violation of Section 807 15 USC 1692e Violation of Section 805 15 USC 1692C ( b ) Violation of Section 809 15 USC 1692g You have not provided me with Any Original signed contract agreements in PLACE with me and these Companies, nor any type of written permission to communicate with me. Yet they are Reporting on my credit report, which isa form of communication.I have also file a complaint with Federal Trade Commission about this reporting abuse to my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents 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 non-monetary relief
Consumer complaint received 2020-03-13
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Rushmore Loan management will not give me credit on 3 payment made. 
I have sent proof of payments to Rushmore many times. 
XXXX XXXX sold my account On XXXX XXXX i made payment to XXXX XXXX for XXXX and XX/XX/XXXX {$1100.00} On XXXX went to XXXX XXXX to make payment and I was told that my account was sold to a different Bank .and that I was going to get a letter from the New Bank . XXXX XXXX would not tell me who was the new Bank. 
2 week 's past and I still have not received a notification on the new Bank I call XXXX XXXX and they would not tell me who or phone number of new Bank On XXXX XXXX I got a letter from Rushmore Loan management, but No account number. 
On XXXX XXXX I got a letter from Rushmore Loan management with my account number and I mailed my XXXX and XXXX payment. 
On XXXX XXXX I got a statement that shows that I had to pay {$1500.00}. 
So I sent my XXXX payment and copy of all PAYMENTS including the payment to XXXX XXXX for XXXX and XX/XX/XXXX. On XXXX XXXX I got statement and it shows that I had to pay {$1800.00}. I sent my XX/XX/XXXX payment and I sent copys of payment to Loss Mitigation. On XXXX XXXX I got a letter from loss mitigation saying that they received the copies of payments and that in 30 days my account will be corrected. 
I never received a notification. 
I call many times no one had a awnser on why this was happening. I continue to make my payments and on XX/XX/XXXX I got a letter from the County of XXXX that saids that my house was in Foreclosure. In XX/XX/XXXX XXXX I emailed all my payments to XXXX XXXX in loss mitigation and on XXXX XXXX I get a payment history letter in wich Rushmore Loan management is charging me for XXXX and XXXX payment that I made to XXXX XXXX and on the payments history money order # XXXX XXXX payment to Rushmore in wich they cashed. 
I emailed XXXX XXXX/ left house message and No Response This is unreal / I lost my job because I got mentally ill dealing with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions 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 firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

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 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not authorize any of the hard inquires listed I notice these on my credit report XX/XX/XXXX, I have file a police report and a identity theft report 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 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 2020-03-13
Company: WELLS FARGO & COMPANY
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I cosigned for a student loan for my son, XXXX XXXX XXXX, with Wells Fargo. His forbearance ran out on XX/XX/XXXX and our understanding is that he received a temporary forbearance if we paid the entire amount ( XX/XX/XXXX-XX/XX/XXXX ) on XX/XX/XXXX.  Separately, we are trying to refinance our VA mortgage with a really great deal - 2.75 % interest rate with 0 points with closing in late XXXX. Our mortgage refinancer called us yesterday to tell us that our credit rating was way below their standard for this refinance loan. Turns out that Wells Fargo reported us to the credit bureaus as 60 days late on our student loan payment. We called one of their telephone representatives, who told us that the loan was on forbearance and Wells Fargo would respond in 1-2 days with a letter for our refinance company explaining that it was Wells Fargo 's mistake ( so we could keep the refinance application alive ). She even said she would call her supervisor to expedite this letter. I called today ( XX/XX/XXXX ) to check on status and I was told that Wells Fargo does not write this kind of letter. I would have to open an investigation into the issue and that would take about 5 days. Also, I was told that the loan was 60 days late. Wells Fargo has provided extremely misleading information both as to the status of the loan payment and in the information provided by their telephone representative. This information has materially damaged our credit. The damaged credit cost us a great mortgage refinance opportunity.

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 2023-04-25
Company: Experian Information Solutions 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:
Experian is showing that the following accounts are charged off every month since XXXX. Some of the account show charged off and closed and late all at the same time. Experian will not allow me to file a new complaint with them and they have the incorrect information. I have requested the information they have be verified by me by having it sent and nothing was sent. They should not be in business : XXXXXXXX XXXX XXXX ; charged off ONE TIME in XX/XX/XXXX. I spoke to XXXX XXXX XXXX on XX/XX/XXXX and they verified it was charged off in XXXX and not been reported late or charged off since. Experian is saying its charged off XXXX. 

XXXX XXXX XXXX ( XXXX ) ; charged off XXXX. The cares were given back to the company in XXXX XXXX bankruptcy and should be reporting charge off in XXXX but Experian has it showing charged off in XXXX XXXX ; charged off in XXXX Experian is showing charged off in XXXX this was included in XXXX XXXXXXXX bankruptcy. 

I want Experian to supply ME AND I DEMAND IT the information that matched what they are reporting, what a XXXX XXXX XXXX credit agency. I could lose my job over this incorrect reporting. This is holding up a loan originator license and Im XXXX XXXX  because of the inaccurate data on Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Albert Corporation
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received a card in the mail from Albert Cash that I did not sign up for or authorize. I have attempted to reach Albert Cash by phone many times to report the issue and I am unable to get to a person. I have sent emails to them and I have not received any reply 's. I mailed a fraud packet to them that contained an 609e letter, an FTC Identity Theft Victims Complaint & Affidavit, my police report information and my identity documents. These documents were delivered on XX/XX/22 and on XX/XX/22. I have received no response to these documents either.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This capital one XXXX  XXXX  account was taken over by XXXX XXXX XXXX, XXXX. My settlement with XXXX & XXXX was agree to by both parties and upon full payment of our agreement, the Capital One Account derogatory information would be permanently removed from my XXXX, XXXX, XXXX, et al credit bureau reports files. 
In the past year and a half or so, I have spent well over {$1500.00} on credit repair companies, XXXX XXXX and IdentityIQ, to have Capital One Bank delete all of their derogatory credit bureau report information reported to XXXX, XXXX, XXXX, et al credit bureau, to no avail. 
Capital One Bank sold my account to XXXX XXXX XXXX, and I paid XXXX & XXXX the full agreed to amount, and Capital One Bank refuses to remove their derogatory information from XXXX credit bureau report files, even though they sold my account to XXXX XXXX XXXX. 
Once I paid XXXX & XXXX in-full, then my original debt was completely paid off, as agreed to by XXXX & XXXX and myself! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
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: Reporting company used your report improperly

Complaint:
I would like to state that Equifax, XXXX XXXX XXXX are in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a comsumer report in accordance with the written instructions of the consumer. I the consumer never gave Equifax written consent to report anything on my consumer report. No consent is identity theft. I demand that you remove these inaccuracies off my consumer report immediately. If they are not removed I will not extend my credit to anyone or allow these companies to furnish a report for me. I would like to state pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system. If the credit reporting agencies want to continue to do business with me, they should delete these inaccuracies off my consumer report. XXXX XXXX XXXX XXXXXXXX XXXXXXXX balance {$390.00} XXXX XXXX  - no balance XXXX XXXX XXXX XXXX {$350.00} & {$1400.00} XXXX XXXXXXXX XXXX hard inquiries including XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collections from XXXXXXXX XXXX XXXX - i also requested for ALL addresses, phone numbers and employment to be removed and my request was denied, the supervisor stated that these accounts were mine and they would not be removed which is in full violation of my consumer rights and I plan on getting remedy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: MA
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:
It appears Experian is retaliating towards my account due to ongoing account credit disputes with my credit file. The vast majority of information being reported is incomplete, missing vital account information such as full payment history, account numbers, correct account balances, and debts incorrect balances, all 3 bureaus are reporting different information and I demand this agency get involved to resolve this once and for all! 

Experian and all banks refusing to cooperate are continuing to penalize my credit account by removing accounts that have been paid/settled satisfactory and displaying only accounts as owed monies that have been previously charged off/ written off. If the account is charged off with {$0.00} balance why are all the bureaus still reporting the accounts and owed balances if the company charged off the debt or sold the debt? 

I demand all banks to send updated statements as of today proving accounts were sold, charged off/ written off, or closed and include original contract promissory note signed by me proving debt was paid per law. I demand every bank reporting on the credit bureau to comply immediately. 

I also demand banks all include updated payment voucher to discharge debts once and for all. 

I do not consent to have the credit bureaus report negative inaccurate information on my credit or to the public or on private internal communications within the companies about my account, Experian is intentionally inflicting pain and suffering by not removing negative reports and further lowering my credit report so that I can not qualify for credit and they reported my credit as a high risk to creditors. 

I am preparing to sue all 3 bureaus and its executives in federal court now given the circumstances. This is intentional infliction of harm and has caused severe financial hardship and trauma and I will hold the executives accountable for all the harm caused to date! 

I have tried peacefully resolving these problems for many years now and its become obvious that the banks and bureaus do not work for consumers best interests which is an act of bad faith and federal law violation!

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 2023-07-21
Company: EQUIFAX, INC.
State: FL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-18
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: Information is missing that should be on the report

Complaint:
Recently a credit card that was on my report for about 10 years was deleted off of my credit report. I am asking for this Item to be placed back on my report. 

XXXX Account XXXX Credit Limit {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: DISCOVER BANK
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
This card was aquired at a time I was married to the mother of my children. She had used it on different occasions and I decided to fille for bankrupcy at the time and the credit cards where in the audit. I had this mention to the credit card company thus they terminating my account.

Company response to consumer: Closed with explanation