BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-18
Company: John C. Heath, Attorney at Law, PLLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
My boyfriend used my debit card when he signed up for Lexington Law while I was at work without my approval. Upon my noticing the fees taken from my account on XX/XX/2021, we called Lexington Law to inform them that he did not have permission to use my bank account. They did refund the money. Lexington Law was informed not to use my card again and my boyfriend also canceled the services at this time. 

From this date through XX/XX/2021, Lexington Law has continued to take charges out of my account ; the dates and monetary amounts are listed below. We again called Lexington Law on XX/XX/2021, questioning why they continue to take money from my account when he had canceled this, and they were aware that I did not authorize payments to be charged to my account. We were told they would look into it and return a call to us within three days. On XX/XX/2021, we called Lexington Law when we did not hear back. During this call, we were placed on hold several times as Lexington Law still had not addressed any of our concerns that they had promised to call us to discuss. Eventually we were told they would reverse {$120.00} for XXXX only and no other money would be returned even if though they were aware of the unauthorized use of the card. 

Email address issues continue to keep us ill informed of his status with this company and their refusalto close the accout. My boyfriend was unaware that the services were still being charged from my account as he never received emails from the company. His email adedress is continously mispelled so he has had no contact with the company about the services still being charged. On XX/XX/2021, he did correct his email spelling with the representative, yet again on XX/XX/2021, his email was spelled incorrectly again. He now has requested a copy of the transactions on his account and was told it takes 3-5 business days for the email to arrive. 

Because in XX/XX/2021, they were made aware that the card used for their services was not their clients and was used without the card owner 's approval, I find it appalling that they would continue to charge the account. It is on his file, XX/XX/2021, that this was an unauthorized use of his girlfriend 's bankcard, so money was returned, yet they continue to take the money every month since this date. 

Unauthorized charges that were taken from Lexington Law XX/XX/2021 {$120.00} XX/XX/2021 {$19.00} XX/XX/2021 XXXX {$120.00} was reversed back to my account due to me not authorizing the purchase, so they agreed to return the money and close the account. Regardless the fees did continue to be charged to me in the following withdrawals : XX/XX/2021 {$110.00} XX/XX/2021 {$120.00} XX/XX/2021 {$120.00} XX/XX/2021 {$120.00} XX/XX/2021 {$19.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: CITIBANK, N.A.
State: DE
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX MACYS with Account XXXX and a balance of {$5500.00}. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2023-02-10
Company: SANTANDER HOLDINGS USA, INC.
State: IL
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:
Santader Consumer USA has an account in my name for the amount of {$7300.00} for a car loan. This is complete fraud as I do not have nor ever own in car. I have tried to get this removed but all three credit compaines are confirming this with no proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$16000.00}

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 2022-06-01
Company: Experian Information Solutions Inc.
State: PA
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 recently read through a copy of my credit report, and I saw addresses on there that are not correct. I looked up your website and I have enclosed the proof of current address that you require. The only address that should be listed is shown in the image below that's reported from XXXX. I also would like for you to correct the spelling of my name. There should absolutely not be any variations of my name because it is spelled one way and one way only. Please send me an updated credit report as soon as you have deleted the inaccuracies listed above. 

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/1977 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 2020-03-26
Company: ONEMAIN FINANCE CORPORATION
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 was looking at my credit report on XX/XX/2020 where I had noticed inaccurate Information. They are saying a company One Main who I am not aware who they are. They are giving me hard inquires on XX/XX/2020 and XX/XX/2020. They are saying I got a loan from the. This totally Inaccurate and fraud. I never signed anything and this was never authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: PatientFi, LLC
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 filled a dispute with XXXX because there are 2 fraudulent accounts on my credit report they are both from the same lender PATIENTFI/LAUNCH one was in XXXX, 2022 the other XXXX, 2022 XXXX said they an investigation and found that these were my accounts which is not true so I did my own investigation and called Patientfi at XXXX and spoke with a representative named XXXX and found out they have a fake email and phone number also the loan was used for XXXX XXXX in someone else name but they got a loan using my ss number strongly urge XXXX to call this company and they will tell I never signed any paperwork they don't even have a copy of my ID

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021, through the online portal at Flagstarbank.com, I filled out a short question survey, informing the bank that I am able to continue making payments on the loan. Due to COVID-19, I was forced to enter forbearance due to being laid off work. The representative at that time, told me that I will be receiving a letter- that letter never came. Therefore, on XX/XX/2021 I called Flagstar Bank customer service again. The representative told me that for some reason, the letter is " stuck in the queue '' but that she will request a second letter to be sent out via USPS, since the first letter has already expired. The representative also informed me that the forbearance has been extended to XXXX, in order to buy time to receive, sign, and send back any documents requested. I was also informed that should I not receive a letter by XXXX XXXX XXXX, to call back. Today is XX/XX/2021 and no letter has been received. I called Flagstar Bank customer service and requested to speak to a supervisor, the representative said that underwriter has declined the request for a " partial '' due to the past-due amount exceeding FHA guidelines. That my file was sent back to underwriter for a possible loan modification, and should take anywhere from 4-6 weeks. I am owner-occupying the home for the record. Meanwhile, we wait once again for Flagstar Bank to reconsider my claim.

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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 submitted a letter to the XXXX and TransUnion Credit Bureaus XX/XX/2022 to delete this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. XXXX XXXX XXXX XXXXXXXX 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 2022-06-01
Company: Experian Information Solutions Inc.
State: PA
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 don't believe that there's been an actual investigation on these accounts, and you've failed to furnish any documentation that prove they are reported correctly. Because of this, I need for you to perform an independent investigation and go beyond the original source of information to ascertain the accuracy of my accounts. I would also like to see any and all documentation that was used in the previous investigation as well as the documentation that you are required to have on file prior to the reporting of this account to ensure accuracy. I am getting really frustrated, because you keep telling me that I'm wrong when I'm sending you info taken directly from my credit report! This is exactly what you are reporting and I'm pointing out the errors, so how am I wrong when it's what you're showing me? Explain to me how these can be verified, then updated and continue to report inaccuracies? Every account listed below came back verified by YOU and UPDATED by YOU, and still report inaccurate items! Delete the following from my credit report immediately! 

XXXX # XXXX date last active XX/XX/XXXX. Experian date last active XX/XX/XXXX DELETE XXXX # Date opened XX/XX/XXXX. Date last active XX/XX/XXXX. DELETE XXXX # in Date open XX/XX/XXXX. Last date active XX/XX/XXXX. DELETE XXXX XXXX # Experian last payment XX/XX/XXXX. XXXX last payment XX/XX/XXXX. DELETE XXXX XXXX # Experian last date active XX/XX/XXXX. Last payment date XX/XX/XXXX. DELETE XXXX XXXX # Account was opened XX/XX/XXXX. Last activity XX/XX/XXXX. DELETE XXXX XXXX # Account opened XX/XX/XXXX. Last date active XX/XX/XXXX. DELETE THE XXXX # XXXX active date XX/XX/XXXX. Experian active date XX/XX/XXXX. DELETE XXXX XXXX XXXX # Account opened XX/XX/XXXX. Last active XX/XX/XXXX. DELETE XXXX # Experian last active XX/XX/XXXX. XXXX last active XX/XX/XXXX. DELETE XXXX # Experian last active XX/XX/XXXX. XXXX last active XX/XX/XXXX. DELETE XXXX XXXXXXXX # XXXX last XXXX XX/XX/XXXX. Experian last active XX/XX/XXXX. DELETE XXXX XXXX # Experian last active XX/XX/XXXX. XXXX last active XX/XX/XXXX DELETE XXXX # Date last active XX/XX/XXXX. Last paid date XX/XX/XXXX. DELETE XXXX XXXX XXXX # Date open XX/XX/XXXX. Date of last activity XX/XX/XXXX. DELETE

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 2021-06-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan was sold to Carrington Mortgage Services LLC around XXXX or XX/XX/XXXX. On XX/XX/XXXX, an escrow disclosure statement was sent to us stating that there was a shortage of {$230.00} for XXXX. I paid this amount on top of our regular payment on XX/XX/XXXX. However, as of todays date, our escrow and monthly payment has not been recalculated. We have been paying the additional monthly escrow amounts that are included in the new monthly payment as if they escrow shortage was not paid. I called Carrington on XX/XX/XXXX, asking why our payment amounts were not reconciled and have not been notified since, and my amounts due have not changed. 

Also, as of XX/XX/XXXX, Carrington is now charging a {$5.00} convenience fee for making a payment online through their app or through their website for normal, timely ACH payments. I attempted to instead make a payment through their online automated phone system, and was notified that there is a {$10.00} fee for using that automated ACH system. On XX/XX/XXXX, after being notified of the fees, I spoke with an agent and was told that the fees are from Corporate and that my only options are to sign up for automated deduction to bypass any fees or set up bill pay through my bank, or send a check in the mail. When I tried to set up bill pay through my bank, my account number could not be found in Carringtons bill pay and I copied the number exactly. I was not notified of any fees for making a payment and do not understand why a fee would be charged for simply making a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone has committed Fraud with my bank account at XXXX XXXX XXXX and has to change my account 3 times. In doing so, I have had my personal information stolen. This started in XX/XX/XXXX, XX/XX/XXXX, Then in XXXX of XXXX. My personal information was used to acquire and credit card with Capital one for XXXX. Now XXXX XXXX XXXX has taken this account over and now the total is XXXX. Now I Iive on XXXX and made XXXX in XXXX. Now i live on XXXX a month. I have called capital one explaining to them that this was not done by me. XXXX XXXX XXXX has now filled papers to collect on this debit. During covid, i could not file a police report on this matter. I called the credit bureaus and filed this claim to them and had it removed from my credit report. I had to put freezes on my reports along with Fraud alert on them. I don't know what to do from here outside of what i already have done. XXXX told me to file this report with this agency. I hope this can be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX  XXXX Balance XXXX {$710.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$140.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} XXXXXXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: FlexShopper, Inc
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Flex Shopper calling 12-15 times per day, everyday for a {$60.00} debt. 
Calling from various Rhode Island and New York phone numbers. 
Asking me to confirm information for the debt, when they calling me, so I refuse to give or any payment over the phone, as I cant be guaranteed its not a scam. 
I told operators numerous times to stop calling and send official mail, if they like to settle claim, they refuse and continue to call many times per day and even putting my work position in jeopardy due to the high calls. 
i have my phone loggs to prove this harrassment by Flex Shopper & furthur will NEVER do business with them ever again, nor do I recommend anyone i know to do business with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I need some help with saving my home from foreclosure. I am behind in my mortgage payments and am in foreclosure with a sale date scheduled on XXXX/XXXX/16. Wells Fargo/ASC said they would review me for a loan modification and I have provided all requested documents to them. I just need to make sure the sale doesnt take place that is scheduled on XXXX/XXXX/16. Please help me in any way possible, 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 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 am currently in the process of purchasing a house and I can not due to Transunion and XXXX 's inaccurate and erroneous reporting of accounts on my credit file. I have been trying for over a year to get them to investigate these items and they don't conduct a proper investigation and provided proof they actually have investigated these items. If all three credit reporting agencies have access to the same information how can my reports each be different? XXXX seems to be the only credit reporting agency that seems to follow the FCRA and cares about accurate reporting. This is my last attempt before legal action is taken. 

Please see attached letter and provide all items requested. If all items can't be provided these items need to be deleted immediately.

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 2023-07-13
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 submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief