BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-21
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Me and my twin sister 's cerdit has been merged. We both have the same initials date of birth and other than the last didgit of our social we have the same everything. when my sister go on experian it shows her name and social and my name and soical, when I try to look at my cerdit it doesn't show me anything at all. we have both contacted multiple compinies to try and get them seperated when it comes my twin she was able to talk to someone but they didn't do much. As for myself, no one will speak to me becuse they say they can't comfirm my idenity. They ask questions that pertains to my twin, I can't do anyhting at all no apartment no car no phones not even a bank account etc. I dont think anything has been done on the company 's end.

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 2020-07-02
Company: WELLS FARGO & COMPANY
State: NE
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo advertised Covid Relief, my mortgage went into a 3 month forbearance to end XX/XX/XXXX. They refused to make arrangements to alter loan until XX/XX/XXXX, leaving payment due XX/XX/XXXX. Until this time no payment toward XXXX mortgage could be made without triggering 3 months payments due in full. ( it took 3 hour+ phone calls and escalation for them to even admit this ) I am now today, XX/XX/XXXX blocked access to my online account in order to make the payment due. I've called the number on the screen, got transferred ( they say mistakenly ) to brokerage services who could not help me and said I had to go back to the online banking number. Guess what, you get to go back to the end of the hold line! Still on hold 32 min. later. This is clearly a concerted effort to force customers to miss deadlines and incur fees and catastrophic financial consequences. I'm able to navigate hours on the phone, but we all know most don't have the wherewithall. I've been able to use my husband 's online access to make my payment. However, there is no option to set up auto-debit payments going forward and no direction or search item available to let you know what to do. I'm calling again now ... .. 
Wells Fargo wants you to miss payments, there is no other possible explanation for these shenanigans. If I could choose a servicer I would NEVER choose 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 non-monetary relief
Consumer complaint received 2021-07-20
Company: Experian Information Solutions 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 previously submitted a complete Identity theft report # XXXX and Experian, XXXX and XXXX have not done their due diligence in removing the fraudulent items. I am attaching a new Identity theft report with my complaint. Under the FCRA the credit bureaus are obligated to report accurate, and valid information. Verified information is not always accurate. If someone has your identity they can easily verify that.

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 2017-08-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Fifth Third Bank in XXXX, FL were contacted to re-finance my home in XXXX XXXX 2017. After 5 months of attempting and re-attempting to submit all my financial documents they, without my knowledge, changed my loan from a refinance with cash-out to a refinance. After 5 months they told me to change it back we would have to re-submit all our documents again. The following people were involved in the deceit : XXXX XXXX : XXXX ; XXXX XXXX : XXXX ; XXXX XXXX : XXXX ; XXXX XXXX : XXXX ; XXXX XXXX : XXXX. They all contributed to in way or another extending the process by asking for documents 2-3-4 times. They also after an inspector of the Banks choosing measured our house at less than 400sq ft than the previous 4 measurements done in the past 10 years. They colluded to try to get CD and other types of loans against the house and forced us to open an account in their bank to proceed with the loan origination. My credit has been decreased because over the course of the 5 months the checked my credit score over 8 times. We are current mortgage holders of this bank, so we were perplexed at how the process moved since it was so smooth 8 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Back in XXXX, Citi said that there was no credit balance on my account and that the account was closed. Then they refunded my credit balance after I filed a complaint. 

Once again there is a credit balance on this closed account because Citi accepted a refunded amount from a vendor, rather than rejecting it ( which would have allowed me to receive the refund directly ). See attached proof of credit balance.

I called Citi, and was hung up on once, then transferred, then I was told that a refund would take supervisor approval, take two billing cycles ( i.e. 60 days ), and then might be send to my bank, or mailed as a check.

I want Citi to immediately refund the credit balance on this closed account either electronically to my bank account of record, or via bank check sent via express delivery with tracking.

Sitting on a refund that they never should have received is a cheap way to steal interest from customers. Citi is awful, and should be banned from this industry.

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 2020-02-01
Company: Experian Information Solutions Inc.
State: NJ
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:
These accounts on my report are unauthorized and unverified and I would like them removed 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 2021-07-20
Company: ALLY FINANCIAL INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the car note on XX/XX/2021 {$470.00} then I waited 4 days until the payment was cleared then payment was cleared not this finance company is saying they did not receive the payment that I was returned I feel they got the payment but is trying to collect an additional payment from me because this happens so often as if I don't keep up with the car notes I pay to them this needs to be investigated thoroughly been having a lot of issues with this company Ally Financial.

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 2021-06-02
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
the following accounts was never authorized to report on my credit, please see below the list of accounts reporting on my report : 1. Identity Theft PORTFOLIO Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 
2. Identity Theft XXXX XXXX XXXX A Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX BANK Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX BANK Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX BANK Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have had a line of credit ( Mortgage ) with Pnc Bank for over 20 years. My credit score is XXXX to XXXX, They denied the loan or refinance. The loan is due XXXX XXXX for XXXX. We tried to refinance and sent them all the information required and requested. They turned me down. Then ask me to apply for loan modification. This has been going on since last XX/XX/2020. The analyst keep asking for the same thing over and over we keep sending but some of the information requested has been XXXX XXXX XXXX 's for businesses that I am a stockholder in ( sent the K-1 but they still keep asking for a XXXX XXXX  XXXX Request for information on some business that have been closed for 13 years. A home he does not own. They have tax returns income verification of every kind. There is plenty of money to pay a mortgage. 
I have no idea what is going on but it seems unfair and deceptive in every way. 
I have enough money to pay the mortgage just need an extension they are threatening us with foreclosure. This needs to be investigated because something else if going on. I have lost sleep for a year we are getting the run around here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: CITIBANK, N.A.
State: CA
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:
Hi. I will attach photos later of the Chats I have had with Citi. I also spoke with an agent in early XXXX to boot. Their handling of my accounts has been atrocious, esp during the pandemic. I have stayed on top of all 3 accounts I have with them, however they allowed one to report 30 days late to the credit bureaus. I need help with all 3 bureaus to have this deleted/reversed.

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 2021-06-02
Company: EQUIFAX, INC.
State: TN
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I notified credit reporting agencies that they violated the 15 us code 1681 and 15 us code 1681b ( FCRA ). As much as possible I want to avoid this kind of issue from my credit report and so, I want it to be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Please add my employer information : I have had steady and constant employment from XX/XX/2013 and I'm currently still working in this position as a full-time, permanent employee XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, MD XXXX. 

Please add my employment record to all Credit Reporting Agencies. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 XXXX XXXX delivered a bed to my home that was already savaged and I returned it the debt was unsettled and its still on my credit after seven years. I have asked three credit beraus to remove it only XXXX did after investigating the others didnt In XXXX my insurance did not pay my physicians and the Debt was bought by XXXX XXXX in XX/XX/XXXX after not reporting to me that this medical bill was out here they then place it on my credit on XX/XX/XXXX I paid the bill on that day because Im in the middle of purchasing a home. I asked the three beraus to remove it because its holding my progress up, XXXX   removed it but the other two did not. I would like to file a suit because I was not given a chance to pay the bill and it is against the law to place any debt on an individual credit if you can not provide documentation that you requested payment in a timely manner

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 2018-06-25
Company: EQUIFAX, INC.
State: VA
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 an identity theft problem with 2 accounts on credit report from XXXX. Policy and IDTheft.gov docs plus other docs submitted in XX/XX/2016. 10 investigations have been opened and closed by Equifax. Other 2 agencies took off report but not Equifax. Now they want new police reports, etc. I am XXXX XXXX and have been given bad number to dial, told to get a lawyer so my wife can have power of attorney, etc. Now XXXX is suing and they haven't provided documents either to me. I have a lawyer. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
Tried to apply for a joint account at XXXX XXXX. Didn't give me option to add his information and went to credit terms agreement. I didn't click on submit because it wasn't complete without his info. They still pulled my credit on the incomplete application and denied me. Application number # XXXX. Called two different numbers but they would not correct application. Wanted to me to go to a dealership to correct. So they pulled my credit without my authorization and denied me. Negatively impacting my credit score. I'm sure I'm not the only one stuck like this. They have a problem with their on-line application process they need to fix since it submits application regardless if you accept their credit application terms or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: FHA mortgage
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 see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-06-02
Company: EQUIFAX, INC.
State: VA
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent the credit reporting agencies letters of a formal complaint and notified them that they are in violation of the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: EQUIFAX, INC.
State: NC
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 demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received a letter staing i owed monies to the XXXX XXXX XXXX. Contacted the company sent over affidavit and explained this was part of identity theft. No one at National Credit could assist me once they knew i was calling in with information to dispute said errors. I have mailed the police report and affidavit. the representatives are always rude and I am always being told that I have to speak with Mr. XXXX at XXXX XXXX. I never get a call back and after my 18th call and he was unavailable. I do not want his on my credit. This is inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are several items reporting incorrectly on my credit file. Please remove the following items : Incorrect Personal Information : Names : XXXX, XXXX, XXXX ( TU ) Names : XXXX, XXXX XXXX ( TU ) Names : XXXX XXXX ( TU ) Address : XXXX XXXX  XXXX ( TU & XXXX  ) Address : XXXX XXXX XXXX ( TU ) Address : XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX ( XXXX  ) The following items are reporting as a result of Identity Theft : XXXX XXXX XXXX Date Open : XX/XX/XXXX ; Bal : {$59.00} ( TU, XXXX, XXXX  ) XXXX - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( TU & 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 2018-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Credit bureau was notified about incorrect information on XXXX XXXX XXXX   credit report on XX/XX/XXXX as well as XX/XX/XXXX. The incorrect information is a result of a mistaken identity, collections in negative from a company called XXXX XXXX. XXXX XXXX has forwarded deletion requests of these items to both XXXX and Transunion. These negative items with pending deletion requests still remain as of XX/XX/XXXX. Deletion requests forwarded to the credit bureaus on XX/XX/XXXX according to the collections company.

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 2018-05-08
Company: PHH Mortgage Services Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was having some financial issues in XXXX, so I went to my mortgage company, PHH Mortgage Services, and applied for a loan modification. I was granted the modification and the payments were to be added on to the end of my mortgage. I caught back up in XXXX of XXXX but they reported the months that my payments were under the modification as late. I was told that this would not happen and it is essentially why I applied for the modification to begin with. I have written to the bureaus and to the company requesting that my credit report be corrected, but the bureaus just say it was verified and PHH Mortgage Services has not responded.

Company response to consumer: Closed with explanation