BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been trying to resolve this account for THREE months, I then receive a notice that my file has been updated correctly and then 2 days later it is back to having a balance. I have sent NUMEROUS letters and fax to all 3 credit  bureaus to get this problem corrected, I have spoken to several customer service representatives about this issues again today XX/XX/18 I called all 3 credit bureaus AGAIN about this problem and a XXXX for the ( XXXX   team ) at XXXX  told me there is nothing she can do but keep filing a dispute. I have send them a letter regarding this account and now she is telling me they cant accept the letter because some of the letter has the account number encrypted. I'm very frustrated at getting this resolved and they are now in VIOLATION of FDCPA. my credit report should be updated immediately with CORRECT information!

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 2019-03-06
Company: WELLS FARGO & COMPANY
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 bank at Wells Fargo and because of my good credit, I applied for a credit card that I paid on time. I had some health problems and was hospitalized and I wasn't able to make 3 payments on time during the months of XX/XX/XXXX XX/XX/XXXX and XX/XX/2018. After my health improved I went inside the bank and spoke with a rep and decided to pay the account off in full. I expressed concerned about the key derogatory marks that were showing on my report, the rep explained that after I pay the account in full, it would show me current and reverse the bad markings. Well after that when I reviewed my report months later, the account notes says '' it was settled for less the balance '' and the key derogatory marks for XXXX XXXX and XX/XX/2018 were still there reporting. To add insult to injury, two more key  derogatory marks were added for XX/XX/XXXX and XX/XX/2018 after the account had been paid off. I am trying to get qualified to buy a home and these derogatory marks are affecting me adversely. I tried contacting Wells Fargo but they say that they cant be removed and to contact the credit bureaus. The credit bureaus say wells Fargo is verifying the account. I just want to buy my home.

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 2018-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found a late payment on the dates below : XX/XX/2017 a 30 day late was recorded I am not sure how this happened, I believe that I had made my payments to you when I received my statements. I also believe that my card is or should have been set up on auto-pay. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: Seterus, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
They are continuously reporting me delinquent and pass due to credit reporting agencies saying that I am 30 days delinquent when I have made a payment every month since XXXX XXXX, 2015. XXXX 2015 I starting a Loan Modification trial. I completed 3 successful payments for XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX On XX/XX/XXXX, my loan was modified and I made my first payment XX/XX/XXXX for XX/XX/XXXX payment. I paid XX/XX/XXXX payment of XX/XX/XXXX and have made every payment since then. With an IDPROTECT representative on the line with me ; XXXX XXXX XXXX, at XXXX, said my XXXX XXXX and XXXX XXXX Payments got " wrapped up in the loan modification '' and were not applied to XX/XX/XXXX or XX/XX/XXXX even though I signed the loan modification papers in XX/XX/XXXX and the Loan modification was official XX/XX/XXXX. This is why they are showing me past due in error. We are in need of a new car and this error is seriously affecting my credit score and my ability to obtain credit and other financial services. We have been battling this inaccuracy since XX/XX/XXXX when we started receiving collection calls that we were past due and I kept telling them we are not and provided proof. All the representatives that I have spoken with, Including XXXX XXXX today, have agreed I have paid all my payments on time and that there is an error in their system. Yet, it still does n't get fixed and I am being punished and damaged with bad credit reporting. I feel I am left with no choice but to seek legal action and sue for damages to recover my losses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-27
Company: EQUIFAX, INC.
State: SC
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 the proper paperwork to Equifax to remove the fraudulent accounts from my credit report and Equifax did not remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a bill that is not mine from XXXX for Paypal. I don't have a PayPal credit card so I should not have to pay {$980.00} under reference # 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 2019-03-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I entered into a loan modification contract with XXXX  XXXX XXXX. Pursuant to the terms of the contract, the interest rate would increased on XX/XX/XXXX. We received notices from the current loan servicer Select Portfolio Servicing as to the rate increase and that we should take the opportunity to apply for a loan modification. Select Porfolio did not process the loan modification in good faith, thus engaging in Floridas deceptive business practices. The payments increased to {$1600.00}, when i ask why such an increase, was told by a representative that was due to not having a previous escrow account. This statement is false i have attached a copy of the mortgage statement for your records that proves that the account always has maintain an escrows, in fact since the loan originated. In addition According the mortgage statement for XX/XX/XXXX reflects a monthly due of {$800.00}. Then suddenly the mortgage statement for XX/XX/XXXX reflect that we are behind {$7100.00}. Clearly this a fraud. If on XXXX the amount owed was {$800.00} because was making timely payments i can not possibly owe {$7000.00} the following month. Select Portfolio has inflated the amount owed. Moreover, the loan modification proposal reflects a ballon at the end of the loan in the amount of {$53000.00}, which we are not in arrears such amount. It is obvious that Select portfolio has engaged in deceptive business practices and we ask that you investigate. Select portfolio have increase the loan balance without any justification and this is fraud. At this juncture we will not be sending any future payments until the account is given credit for the fraudulent loan balance increased. On XX/XX/XXXX, we send two Qualified Written Request to select Portfolio Servicing under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). The company failed to acknowledge our request within 5 business days and also failed to respond within 20 days of receipt. We are asking select portfolio to respond to this complaint and the qualified written request under RESPA. Select Portfolio must comply with the request under RESPA, its a Federal Law. I am also requesting transaction history in detail from Select Portfolio since the first day servicing the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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 submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. I submitted a complaint again last XX/XX/2023 but it was closed immediately. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance

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 2020-06-04
Company: CITIBANK, N.A.
State: AZ
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:
Account balance is {$0.00} and is showing as a charge off ( CO ) in error going back to 2015. Account legally paid in full.

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 2019-11-08
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft and I have credit monitoring since this happened. I am noticing that there are a lot of companies pulling my credit and I have reported to all credit bureaus this matter. they are telling me they can't remove it for 2 years if I am telling you in a dispute that these aren't my credit inquires than you should be removing them.. I am in the process of buying a house and I can't have this happening and especially if no consent is given XXXX, Equifax and XXXX  are failing to remove these inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I took out a {$100.00} loan from Check Smart on XXXX XXXX in XXXX Ohio in late XX/XX/XXXX/early XXXX.My first loan payment was to be made in the month of XXXX. I was unable to make the payment and was contacted by the corporate office to make arrangements. I agreed to pay the amount of the loan in full on XX/XX/XXXX. Although these arrangements had been made, I continued to receive calls from the local store where the loan originated. The most frequent calls were made to my place of employment despite the fact I requested my employer not be contacted. 

I was kept on hold for an excessive time on XX/XX/XXXX and was not able to make the payment. The morning of XX/XX/XXXX, an employee at the local Check Smart called me to ask about the payment. I told her I had already made arrangements with the corporate office and would be calling today to make the payment. The employee asked that I come into the local office to make the payment. I explained that I was at work and could not come in at this time, however the corporate office stated the matter could be taken care of via phone call. The employee then stated, " I know you aren't at work. I called your place of work this morning and was told you weren't there. '' I explained that I do work offsite and that is why I wasn't in the building today. The employee wanted to argue with me that I wasn't at work and accused me of lying. I then reminded her that I had requested not to contacted at work as I am a XXXX XXXX in a XXXX XXXX XXXX for XXXX XXXX XXXX and was not able to take personal calls. The employee stated, " I will continue to call until this matter is taken care of. Make a payment and I will stop calling. '' I explained to the employee that is does go against my rights as a consumer and I felt she was being harassing. Her reply again was, " Well make a payment and I will stop calling. I will note not to call you at work but we will continue to call until this is taken care of. '' The employee then hung up and ended the call without a formal goodbye or any type of resolution. I should mention that Check Smart did disclose to my employer that they were trying to collect a payment on a defaulted loan. This was humiliating as a professional. 

Immediately following this call, I contacted the corporate office and paid off the loan in full, as promised. I was told the calls were being recorded for quality assurance purposes. The company should be in possession of a recording of these conversations and it should serve as proof that the above encounter did occur and the employee at the local Check Smart needs further training on Fair Debt Collection Practices as well as customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
XXXX have XXXX checking accounts and XXXX accounts and a savings account totaling between XXXX monthly. I send checking account ( which is my childrens school account ) has been getting charged fees for XXXX consecutive months. I have called XXXX  times to request a refund and fix the problem going forward- all XXXX  times they told me the fees will be refunded and the problem is fixed. This has never happened no fees refunded and problem not fixed. Also when I walk in the branch in XXXXXXXX XXXX XXXX They will not help me and tell me to call the XXXX number-

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-11
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX : Problem with Loancare at XXXX XXXX XXXX, XXXX XXXX, VA XXXX - Investor Accounting I received a notice on XX/XX/XXXX indicating I was due an escrow refund of {$2400.00} for loan number XXXX. 

Loancare asked that I send in the attached form. I sent the response on XX/XX/XXXX ( aproximately ) via fax to the number listed on the letter and kept my confirmation that the fax was indeed sent successfully. 

Got an email confirmation from XXXX XXXX ( from Loancare ) of receipt of the fax indicating that my payment should be received in ten business days which would have been XX/XX/XXXX. 

As of XX/XX/XXXX, I have not received the escrow refund. I have attempted to contact XXXX XXXX by phone and email over the last ten days numerous times without a response. My hope was to get an estimated date for the refund. No response was received. XXXX XXXX has been ignoring my repeated attempts to make contact. 

I am hoping the bureau can help resolve this matter.

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 2016-05-03
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The current balance for this account is NOT {$1500.00} as being reported by Equifax. The current balance on this account has been paid down to {$860.00}. It has not been updated in several months. In addition, this account is on a current payment arrangement and is being paid according to the terms of that arrangement. The statement dated XXXX XXXX, 2016 directly from the VA 's Debt Management Center shows the updated balance. This account should be updated to reflect the actual balance or removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Original Creditor ( XXXX XXXX ) closed the account of {$1700.00}. An unauthorized account was opened by FAIR COLLECTIONS AND OUTSOURCING INCORPORATED on XX/XX/2016.Nothing is due to FAIR COLLECTIONS AND OUTSOURCING INCORPORATED because I never agreed to a contract with them.

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 2021-02-02
Company: Netspend Corporation
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Netspend has block my account and will not allow me to access my money because of a previous balance with another Netspend card I no longer have. Netspend will not give me any information Im writing stating why. I cant get my money out of the account nor access it.

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 2019-03-06
Company: EQUIFAX, INC.
State: IL
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:
In XX/XX/XXXX someone stole my identity and got XXXX   cable in my name and XXXX cable ran hard inquiry 's on my Equifax credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Now XXXX has removed the bad account off my report but XXXX said that Equifax has to remove the hard inquiry 's themselves as well as the bad address that was used XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Equifax is refusing to do so claiming they can't find my file but Equifax just updated my file on XXXX  XXXX XXXX on XX/XX/XXXX Also XXXX XXXX XXXX  inquiry on XX/XX/XXXX is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
None of the bureaus responding to the letters that I am using to dispute the inaccuracies on my credit report. All I see are responses that the information was verified and accurate. I've requested their methods of verification, yet I have not received that any documentation of their processes. How can I properly dispute these inaccuracies if the bureaus aren't willing to supply their processes or methods of validation for these erroneous and inaccurate accounts? The information in my reports is not being accurately reported. Their inability to properly investigate and display correct information in my reports is impairing my ability to support my family. Any assistance would be greatly appreciated.

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 2016-09-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have disputed account with Equifax by phone, online, and by mail. I have reached out to collection company and sent prove that original account doesnt match according to debt validation sent from XXXX XXXX and statement from XXXX XXXX XXXX. This item has been removed from other XXXX and XXXX.I have already disputed this item on many occasions and this is final attempt to get resolved and because of its negative nature, my next course of action will be filing suit for damages per state statute will allow.

Company response to consumer: Closed with explanation