BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-10
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 belongs to someone else

Complaint:
I have complained about unauthorized accounts to my consumer reports multiple times. I reviewed my consumer report and have seen they are still reporting and now an extra collection has appeared out of nowhere after disputing the current unauthorized account. This is blatant and willful violation of my consumer rights and my privacy. I have not given any consent to furnish any unverified information. This is heavily damaging my character and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023, I sent a certified letter to Experian asking them to correct inaccurate information on my credit report. The letter was accompanied by extensive and conclusive evidence that the debt in dispute was previously settled with the creditor. My letter and evidence was signed for and received by Experian on XX/XX/2023. On XX/XX/2023, I received a letter from Experian that their investigation was " complete ''. However, the inaccurate information was never corrected or removed from my XXXX report. 

According to the FCRA, " If a company that provided disputed information to a credit reporting agency is unable to determine whether the information is true or not, the law requires them to tell the credit reporting company the information could not be verified so that the credit reporting company will stop reporting it. '' I have attached my original dispute letter with accompanying extensive and conclusive evidence, confirmation that my dispute letter was received by Experian and a copy of their response for your review. 

After you review this information, please make sure Experian adheres to the FCRA and corrects or removes the inaccurate information from my credit report. If they fail to do so, please inform them of my intent to sue in Federal Court to have the erroneous information reviewed. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper has done numerous things with my escrow account to basically steal money out of it w/o merit then increase my shortage amount to very high amounts. I was able to resolve several of the issues after months of formal complaints and letters form legal counsel threatening of lawsuits but there is still one major issue they refuse to address and just lie about week over week and month over month. 

Mr. Cooper took out {$7700.00} from my escrow w/o checking with me on amount and paid to the county for taxes. I don't know how they came up with that number as the amount owed to the county was always {$7200.00}, which is what the county always had. Mr. Cooper came up with this figure erroneously. I immediately flagged this to them last XXXX when it happened and as you can see after 20+ attempts to be resolved they refuse to give back the money. I have been told its being worked on, its been submitted, its been this and that- all XXXX Other then feeling robbed by this evil company my mortgage payment has gone up over the past 6 months bc of their error as I have had a shortage in my escrow fund- 0 fault of mine and 100 % of this company. 

This is totally unacceptable and hoping not only to have my situation resolved by that a very thorough audit is done against this corrupt company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
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: Account status incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-23
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. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, 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 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681C. ( a ) ( 5 ) Section States : 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 conviction 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 a to any 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 2023-11-28
Company: Nelnet, Inc.
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
Took out a XXXX XXXX  in XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Went on deferment was only making $ XXXX for 2 years, then started making payments. Thought the loan was completed and 25 years later XXXX receive notification I owe over {$59000.00} and was never notified after filing taxes for 25 plus years. I made payments {$400.00} for over 10 years Well over {$38000.00} and still owe {$25000.00}. 

The claim is I still owe over {$25000.00} and due to the loan resold and fees tacked on for {$1000.00} 's dozens of times. 

I dispute the validity of the loan after paying almost $ XXXX on the original $ XXXX loan. 

I have requested for years to have the loan disqualified and expunged, it has destroyed my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I made a request about this account as FCRA says, and XXXX couldnt provide information about this account 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 2023-11-28
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
A credit card was in my name on XX/XX/XXXX  around XXXX at a target in XXXX PA. I contact the company to report the fraud and deactivate the card immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 was a victim to the XXXX data breach

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 2021-08-15
Company: SYNCHRONY FINANCIAL
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Synchrony Bank sent me a bill for a PayPal Credit account ending in XXXX. 
Balance as of XX/XX/2021 : {$370.00} Minimum payment due as of XX/XX/2021 : {$180.00} CREDIT ACCOUNT WAS CREATED WITHOUT MY AUTHORIZATION and Synchrony Bank acknownledged my complaint on XX/XX/2021, when I first reported PalPay Credit account no. ending in : XXXX ( Unauthorized. ) I closed my PayPal account when an unauthorized PayPal Credit account charge was noted.

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 2023-06-06
Company: Village Capital & Investment LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2023, I signed & returned the documents sent to me by Village Capital & Investment XXXX XXXX, in order to proceed with the VA Traditional Modification. I was advised that I was to make the new monthly payments of {$2500.00} beginning XX/XX/2023. I have made two payments and still have not received any final paperwork regarding this modification. Each time that I call, I've been on hold for 1-2.5 hours waiting for assistance. Just this month, I waited foXXXX XXXX hours and XXXX minutes to pay my monthly mortgage. They have a system that says you can " Press XXXX and you will retain your place in line and someone will return your call ''. I used that one time and NO ONE ever called back. Whenever I request a supervisor, I'm told " No supervisor is available, I can put in for you to get a callback ''. Yet, no supervisor ever calls back. I have been told of different timeframes for the completion of the paperwork. I've been told XXXX weeks, XXXX days, and " there is no timeframe '', and " we're waiting for the VA to send the check ''. I need to know JUST HOW LONG THE TRIAL PERIOD IS, WHEN DOES THE TRIAL PERIOD END, AND THE TRIAL PERIOD NEEDS TO END SOON!! I was afraid to NOT sign it and I would have lost my home. 
This is horrible. No one, not just veterans, should be subjected to this. Now, I'm afraid that Village Capital & Investment is just waiting to foreclose and take my home.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: Navient Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have contacted All major credit bureaus on the false information listed on my credit file regarding this company. I have no knowledge of the amount {$60000.00} this company is saying I owe. Also there are two separate accounts showing as duplicates on my credit report which are closed and and paid showing negatively. I never opened any accounts with this company on XX/XX/2016. There are multiple errors that this company is reporting on an alleged account. This and all information must be removed from all my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and accordance with XXXX XXXX regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and XXXX XXXX standards.For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you considers the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, ITMm requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit 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 2018-03-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian 's website claims you can temporarily lift a security freeze either by phone or online. I have a pin, yet when I tried to lift the freeze online I was sent to a page that told me I had to do it by mail. When I called the number that was provided to lift a freeze, I was told I had to do it by mail. I have a small window that I need this freeze removed and doing this by mail will not work for me. I'm trying to be pro-active in protecting my identity, yet this company is making it impossible for me to be in charge of my own information. There is no phone number to be able to call to speak to someone in person.

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 2022-12-23
Company: EQUIFAX, 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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from Freedom Mortgage around XX/XX/XXXX. The first letter was a letter for non payment of XX/XX/XXXX payment. Also a letter for returned mail from my proper mailing address. 

I contacted Freedom Mortgage On XXXX and they told me that I did not make my XXXX payment and told me to call back Monday. 
I called Monday XXXX and the representative told me they were not responsible for fixing the problem as the loan servicing had been sold. 

I contacted my original mortgage processor who got me in contact with XXXX old supervisor. 
He told me that they probably would not fix the problem.

I have paid all of my payments on time. The online payment application was always glitching for approximately the first six months of payments. I paid a total of {$3000.00} for XXXX which included the main monthly payment. Somehow the total was applied only to the principal with nothing applied to the main payment. 

I want this corrected to show the payment that I made, the interest paid recalculated, and I would like the {$1900.00} in late fees refunded to me. I have the payment history and will attach it. 

Thank You, 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 explanation
Consumer complaint received 2021-08-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX, I became aware that there was a new Wells Fargo checking and savings account that were part of my online account. I did not authorize those accounts to be opened, and given Wells Fargo 's track record with opening unauthorized accounts, I immediately reported it to them. They've indicated it's going to take 2 weeks to investigate. And meanwhile, they've apparently locked me out of my online account access.

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 2018-10-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
1. Citibank is attempting to collect on a debt, under my name, that they have yet to validate. I have called numerous times, yet they are unable to provide me answers. 
I want to see validation. I am reporting the account as a fraud account that I personally never applied for, also I have police affidavit and other id theft reports. 
2. Why does Citibank deny me 0 % liability for unauthorized transactions and fail to report my disputed transactions to CRA 's. One example, XX/XX/2017, {$560.00} to XXXX XXXX, unauthorized. 
I called and reported the charge in XX/XX/2017. Citibank issued me a new card and number, but continues to deny me of my rights to dispute the charge. 
3. I found out, independently that one XXXX XXXX applied for a Citibank Checking Account using my social security number. 
Why did Citibank not notify me, despite my name and XXXX XXXX showing up after entering my XXXX in Citibank 's computer system? Why was I never notified, until I addressed it to Citibank President Office? Years after the incident?

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 2022-03-19
Company: HUNTINGTON NATIONAL BANK, THE
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was on online searching for a puppy, when I came upon XXXX XXXX XXXX i sent them {$800.00} through XXXX  through money transfer for a puppy. i never received a puppy. he was supposed to ship the puppy the next day. the next day i received an email from a fake shipping company telling me i needed to purchase an electronic crate for {$1200.00} or they would not be able to ship the puppy and I will get it refunded back once the puppy arrives. there contract said all shipping would be handled by them so i forwarded the email to them. he claimed he knew nothing about this and pleaded with me to pay the cost of the crate which i refused. So he said will pay {$600.00} and if I could do the {$900.00} I did and next the shipping people said XXXX would not allow them to fly out without a permit. I declined and said this was a scam and I wanted my money back and he said he was lost money also and that if I could pay for the permit which was {$1800.00} that I would not have to pay for anything else. I immediately contacted my bank and filed a dispute. They told me that my claim was denied due to I authorize the charge and there was nothing for them to do. I am still trying to fight this and get my money back. So far no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Experian Information Solutions Inc.
State: LA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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