BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-15
Company: Experian Information Solutions Inc.
State: CA
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:
Please remove these Credit Inquires from my report immediately. 


1. XXXX XXXX XX/XX/2017 .. 2XXXX XXXX XXXXXX/XX/2017 3, XXXX XXXX XXXX XXXX  XX/XX/2017 ..
4 XXXX XX/XX/2017 3., 5. XXXX XXXX XXXX XX/XX/2017

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 2021-01-27
Company: Phoenix Financial Services LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Phoenix Financial Service has placed a collection under my name which doesn't belong to me. I try to get them to remove the account, but they refuse to do it claiming that it is my 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 2021-11-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
on XX/XX/2021, i wrote letters to XXXX , Equifax , and XXXX regarding fraudulent accounts that was opened in my name. I filed a report with the FTC and sent each of them a copy of the report with the accounts in mention and its been more than 45 days and they still haven't removed this identity theft accounts from my report can you please have them remove these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: EQUIFAX, INC.
State: LA
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:
Hi1, I contacted the company and XXXX and was'nt sucessful did not removed the unauthorized inwuires from my credit report. 

thye equifax rep was very rude and said to contact FTC and that they was not going to remove the hard inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XXXX, 2018, I was contacted by Wells Fargo they hadn't received my payment for my XX/XX/2018. When I disputed this I was asked for proof. I explained that the clerk had not given me a receipt because his machine couldn't produce but he would send it to my email. Because this had happened before, I agreed. 

Because so much time had elapsed by the time I was finally contacted I didn't remember the exact day of the payment but I offered the week as I had always pay my account the same week since the inception.of the loan. Also, I didn't remember the exact amount but as I always paid over the required minimum by $ XXXX {$30.00}. 

I requested they verify by checking the video tape but was told I must pay up to {$1500.00} for Wells Fargo to locate my missing funds. 

I have spoken to over 10 persons from the " Executive Office '' and have gotten different untrue statements, threats and told flat out lies. Not one supervisor has ever called me even though I was told they would recall me. 

I had an individual named " XXXX '' who claimed to be the personal assistant to Senior EVP XXXX XXXX call and threaten me and my family if I didn't drop this claim. He even went so far as to make some XXXX  derogatory statements about my family ethnicity. We have received phone calls from Wells Fargo employees from blocked numbers and XXXX statements were made to a minor female family member. We believed they were connected to Wells because this account was mentioned and we were told to quit making it an issue because it wasn't that much money. 

They have opened fake accounts in my name as well as having taken money from my savings and checking accounts causing my credit cards payments to be missed. My funds will never be returned and I must accept this. I was told they would destroy my credit and they have done this. They are making false negative statements to other potential creditors and they reported me falsely to the credit reporting agencies while this situation was in dispute. Several times they violated the FDCPA and when questioned about these actions I was told these rules don't apply to their company. 

This is only partial reporting of the actions taken by Wells Fargo against us and this company doesn't do much to prevent this type of action. I even tried to get assistance from the office of former CEO XXXX XXXX. Some assistant promised this would be investigated and someone from this office would contact me. We even tried contacting XXXX XXXX the current CEO but to no avail.

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 monetary relief
Consumer complaint received 2015-06-12
Company: NATIONSTAR MORTGAGE LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage loan originated via XXXX XXXX XXXX and included an assumption clause that would allow my daughter and son in law to assume the loan at a later date. Nationstar Mortgage purchased the loan from XXXX XXXX XXXX. Nationstar is now telling us there is no assumption clause despite paperwork I have to the contrary. I have no legal contract with Nationstar, all my contracts are with XXXX XXXX XXXX. By purchasing the loan, Nationstar assumes the terms and conditions of the original contract. I have spent countless hours on the phone with Nationstar representatives to no avail. They are refusing to honor the legal terms of my original loan that they purchased from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Choice Recovery, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
It shows on my credit report that on XX/XX/2019 a amount of {$180.00} : A amount of {$36.00} ; a Amount of {$36.00} ( twice ) is owed to CHOICERECOV ( Original Creditor : XXXX XXXX XXXX ), .. I have reach out to the creditor multiple times asking them to remove the account out of my name because it doesn't belong to me ... the name that's on the account isn't even my full name.. I disputed it and even went and got a police report due to fraud.. and the creditor ( XXXX  AND XXXX ) is still stating there is nothing that they can do because the account is sold to someone else.. The debt was once removed and now its appearing back on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am sending the letter XXXX sent in response to a request for proof of debt. I received a letter of explanation but NO PROOF OF DEBT. 

Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) the claim is disputed and validation is requested. 

If Macy is unable to provide the proper documentation as requested, all collection activity must cease and desist and all negative reporting 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 2020-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX first reported a 30 late payment on my credit report to XXXX, XXXX, and TransUnion on XX/XX/XXXX. I wrote all three credit bureaus a letter in XX/XX/XXXX stating that the statue of limitation had expired, showing them their historical data since XX/XX/XXXX, and asking them to delete the account because they're in violation of the FCRA because the account is still reporting on my credit reports which is causing me to be denied credit. XXXX, TransUnion, and XXXX  allowed XXXX XXXX to re-aged the account even though their historical data shows that the first date of delinquency was XX/XX/XXXX. They allowed XXXX XXXX to report inaccurate information to their companies claiming that the first date of delinquency was in XXXX, refusing to delete the account from my credit report, stating that the account shall remain until XXXX ( 12 Years ) since the first month of delinquency. XXXX  then updated the account this month which caused my credit score to drop 51 points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
This loan company has refinace my parents home at lease twice over the decades.They were paying {$570.00} a month, as of XX/XX/XXXX they was told their Insurance was being cancelled and their payments was gon na be XXXX a month. At one time they was told the signed off on a {$52000.00} loan in XX/XX/XXXX. My Dad was XXXX yrs old then, and had no clue as to what was happening to them! Since that time our Father XXXX XXXX in XX/XX/XXXX, leaving all of this on her. She had to move out of the house, and is in the process of trying to sell it. One problem my parents still owes {$6500.00} on the loan. We can '' t find any paper work on the contract they suppose to have sign.The loan company says they ca n't go back that far, and that they do not have the contract or papers explaining what went down, and how it went down! My parents did not know the would be still paying on this loan in XX/XX/XXXX. They made them think they were saving money, when they were actually paying more, over a longer period of time! From XX/XX/XXXX to again in XX/XX/XXXX to now XX/XX/XXXX. Can You Believe!!!

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 2018-07-10
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted to have this debit removed from my account since XXXX, which was originally belonged to XXXX XXXXXXXX XXXX XXXX, FL. I contacted XXXX hospital and had found out that My ex-wife had went to the hospital Emergency room and those were her bills.. My ex-wife and I haven't spoken since XXXX.. The hospital agreed that those debits didn't belong to me and removed what I thought all of the bills of my name. However, few years later I was connoted by Common Wealth Financial Systems requesting me to pay the debit. I sent them my information and informed them that issue XXXX XXXX learned that those bills didn't belong to me. Common Wealth Financial, were very unprofessional and were always threatening toward me. I have attempted to have it removed by the hospital but the stated the debit was sold to Common Wealth. I provided Common Wealth with my information so the can match it with whatever forms they have in their records such as original documents or and signatures by the person who went to the ER. But at no help. I have contacted and spoke to several managers at Common Wealth like XXXX XXXX extension XXXX at XXXX and others no help but very nasty attitude and threatening demeanors. 

I have disputed matter with all Credit Bureaus, and Common Wealth claims it was validated. Very confusing how it can be validated if it wasn't mine nor my name or identification on any documents. I even requested them to provide me the HIPAA signed form to show it was me, Common Wealth Financial failed to do so. 

several calls since XXXX to XX/XX/XXXX email XX/XX/XXXX also recently I emailed this person with Common Wealth XXXX regarding this and nothing was done as this person promised. 

Finally, Common Wealth Financial Refused to remove this debit after so many attempts knowing its not mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I STARTED OFF ATTACK THESE INCONSISTENT ACCOUNTS IN XX/XX/2019 A FEW CAME OFF BUT MANY REMAINED AND I FIND THAT INCONSISTENT WITH THE REPUTATION OF THE 3 MAIN CREDIT BUREAUS ( XXXX, XXXX, EQUIFAX ) TO REPORT INFORMATION ON MY CREDIT REPORT THAT IS ACCURATE CONSISTENT AND VERIFIABLE HOWEVER MY CREDIT SCORE IS SUFFERING BECAUSE THEIR ARE MULTIPLE ACCOUNTS THAT IS PASSED MY STATES STATUE OF LIMITATIONS ON WRITTEN CONTRACTS. 

WHICH MEANS NOT ONLY ARE THESE NEGATIVE ACCOUNTS INACCURATE BECAUSE THE WAY THEY ARE REPORTING BUT THEY ARE INACCURATE FOR EVEN BEING REPORTED AT ALL. 

NEW YORK LAWS GOVERN THAT THE STATUE OF LIMITATIONS ON WRITTEN CONTRACTS IS SIX YEARS YET I HAVE PROOF THAT THE CREDIT BUREAUS ALLOWS THESE CREDITORS AND COLLECTION AGENCIES TO CONTINUE TO REPORT INACCURATE AND UNLAWFUL INFO ON MY CREDIT REPORT WHICH IS INDEED A VIOLATION OF THE FAIR CREDIT REPORTING ACT. 
Credit bureaus, if they refuse to correct information after being provided proof of inaccuracy FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv- 01743 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have graduated from an XXXX program and now I am enrolled in a XXXX   program that my employer pays for. 

XX/XX/2019, I received an email stating my " In-school deferment has been approved '' I immediately contacted Navient and requested that I be taken out of deferment as I had not requested this nor do I want it. They respond and take me out of deferment stating that my school contacted them about my new enrollment status and it was automatically changed. I can understand how this would be helpful so not a big deal it got changed. 

XX/XX/2019, I received another email stating my " In-school deferment has been approved ''. Once again I've immediately contacted them. Every time this happens it raises my monthly payment. It looks as if every other month they are trying to put me in deferment without my permission after I have explicitly stated that I do not wish to be in deferment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX {$980.00} XXXX  XXXX XXXX {$720.00} XXXX XXXX XXXX {$650.00} XXXX XXXX XXXXXXXX XXXX {$8900.00} XXXX  XXXX XXXX {$700.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$1000.00} XXXX XXXXXXXX XXXX {$220.00} XXXX XXXX XXXX XXXX {$780.00} XXXX XXXXXXXX {$780.00} XXXX XXXXXXXX {$780.00} XXXX XXXX XXXX {$690.00} XXXXXXXX XXXX XXXXXXXX {$720.00} XXXX XXXX {$1200.00}

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 2020-05-19
Company: Conduent Incorporated
State: AL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I was issued a card by the state of Alabama for unemployment benefits. I am unable to access the account online or by phone. I keep getting the message that the information is invalid when asked to enter my card number. I have called the number on the back of the card and due to the invalid card number I am unable to navigate through the menu. I have been unable to reach an operator because the automatic system just hangs up on you. The state of Alabama will not reissue the money on the card to another account. This card company has 4 weeks of my pay hostage and they provide no avenue for me to remedy the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: ProCollect, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

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 2018-02-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I cancelled my credit card with XXXX XXXX XXXX card by Citi in 2nd week of XX/XX/XXXX as I got a very suspicous call from Citibank that I think is very intrusive. They are asking how I made my payments and where the payments are from. 
. Because of the cancellation, they are forfeiting my 2017 money rewards of {$420.00} which I earned already before the cancellation. There was a misunderstanding and they are insisting that I agreed to forfeit the {$420.00}. 

When I requested reinstatement, they insist i have to do application like a brand new applicant and I would forfeit my {$420.00} rewards anyway.

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 2020-05-13
Company: Experian Information Solutions Inc.
State: MD
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:
The credit bureau Experion are refusing to remove false information from the credit score factor, EXPERION has been changing the false factors from one thing to another 11 times throughout XX/XX/XXXX-XX/XX/XXXX And for each time that this has happened there are no explanation, for how ( the factors has information that are not form my credit file ). the state of Maryland give me the right to find out the name of the person who was task with the responsibility of the investigation and conclusion conclusion that request has not been granted Now this is the 34th time EXPERION HAS USED THE SCORE FACTOR. As its own independent means of destroying My credit and many other people also. Because score factors was not designed to contain information that is not from the credit file, but that is what is happening now. And when you point that out to an employee of EXPERION all they do is transfer me from the dispute department to the membership department, back to the dispute department. 
That will never be fixed, Like this. The score factors say I only have two Accounts paid as agreed I have five accounts basically three open And two close. The score factor says Ive only paid 23 % of my car loan Ive paid 34 % 1/3 of my total car loan. My age of credit three years eight months the score factor say thats too short last year it was not too short.

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 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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