BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-16
Company: ENOVA INTERNATIONAL, INC.
State: MO
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:
Loan taken online XX/XX/2017. Began making bi weekly payments. I requested a lower interest rate as the rate they were charging was 36 % roughly. They refused to work with me. I began working with XXXX XXXX XXXX  who negotiated a lower payment. When I began making the agreed upon payment XXXX XXXX or XXXX  XXXX began reporting me late with a large past due balance. I was told by net credit i had to pay an XXXX dollar past due amount in order to make the account current. I paid that amount ... it was all applied to interest and they still reported me 90 days late ... .I have now paid them in full so the account will be closed and they are still reporting a balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Peterson Enterprises, Inc.
State: WA
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 VALLEY EMPIRE COLL CO agency because I am having difficulties with applying for new credit cards. I paid the collection and do not owe anything, but the mark in my reports prevents me from achieving the desired results. 
I am kindly requesting VALLEY EMPIRE COLL CO agency to remove this collection from my credit report as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I'm filing this complaint against Wells Fargo Bank NA and XXXX XXXX XXXX XXXX because in XX/XX/2010 a foreclosure action was filed against my property for {$200000.00}. and since that time i've been attempting to get a mortgage loan modification.I sent in the mortgage application, a financial hardship letter and in it I state that excessive credit card debit and a loss of job income caused me to fall behind on my payments.and I also stated in the letter that my wife was diagnosed with a serious health illness that forced her to resign from her job because she could no longer continue working.she then applied for Social Security XXXX benefits that she now receives monthly. I've been forced to hire several different attorneys over the years to defend my rights against each foreclosure action that's been brought costing me thousands of dollars in fee 's which has caused even more of a financial burden which is getting more expense the longer this situation continues.My attorney XXXX XXXX XXXX XXXX. can be contacted at ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: LEXISNEXIS
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In a letter from LexisNexis, dated XX/XX/2020, the consumer reporting agency stated that after a reinvestigation of an alleged Bankruptcy, LexisNexis was unable to verify the accuracy of case number XXXX, and removed the record from my LexisNexis Risk View report. 

I recently requested a copy of my LexisNexis National Credit File and this same inaccurate and unverifiable account is reporting there. If LexisNexis was unable to verify this account then it must be removed for their records entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hello, I previously submitted a CFPB complaint regarding how I can not see my new card ending in XXXX on the TD card services login. Instead, I only see my old card that was closed due to inactivity ( ending in XXXX ). I received a response advising that my account has been corrected. However, the correction was made only to my regular TD bank login, not my TD card services login. When I log into TD card services, I am still presented with my old closed card XXXX. My username for the TD card services website is the same as my username for the regular TD bank login XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I would like to file a complaint with XXXX XXXX, Experian, and XXXX credit burues. I have sent them now the 5th dispute letter today XX/XX/19 notarized, dated, all information provided for the inaccuracies still showing on my credit report. I've submitted disputes nearly every month since the beginning of XXXX - and still no prevail on some accounts. I've requested ( with proof and documentation of this ) proof of accounts that claim to be mine, to be PROVEN with physical documentation/signatures/proof that these derogatory inaccurate accounts are in fact mine. They have failed to do so. I have also called them today XX/XX/XXXX in three separate attempts to speak to a rep who can help me with removing hard inquiries that are inaccurately being reported to my credit report and hindering me from being able to apply for a loan so me and my family can move into a new home. I politely asked each representative on the phone if they can assist with removing the derogatory or the hard inquiries that are inaccurate, and was advised to contact each company and they could not assist. I know this is false, and they can assist, but choose not to. I advised I have attempted several times previously to calling that I tried to dispute with the actual agencies reporting the false/innaccurate hard inquiries - but they told me the only way to remove them is to have the companies send me a letter. I again, advised them I've tried this and was hung up on all 3 separate times. I can't believe a company like this is still around allowing companies to report false information on my credit, which is now causing me to not be able to move into the home of me and my families dreams due to them not wanting to help after I HAVE FOLLOWED ALL THE RULES AND HAVE PROOF OF ALL MY LETTERS SENT TO THE CREDIT BURUES AND COMPANIES. I did confirm they have received my letters via certified mail. I have tried to be nice, but now this is getting out of hand, and simply demand all false inaccurate hard inquiries that are NOT open accounts be removed, and the REMAINING false/derogatory accounts I've previously disputed 5 times now to be removed.

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 2020-05-05
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: Information belongs to someone else

Complaint:
Someone Open this account in my name without my knowledge.

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 2019-05-21
Company: Experian Information Solutions Inc.
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:
Hello, Few weeks ago, I received a message from XXXX XXXX that I am eligible to apply for a personal loan at a very low rate. XXXX XXXX sent me a list of companies I can deal with and also stated, if I deal with these companies and my credit is pulled, " It will be a " SOFT '' pull and will not affect my credit ''. I called few companies to check on the offer and afterward to my surprise I have 13 inquiries on my credit report in which lowered my scores by almost 80 points. I never consented to anyone to use my account for a hard pull. I trusted these companies that they are legit and they are telling the truth. Unfortunately, this situation is preventing me from acquiring the needed loan. I do appreciate your involvement, your help and influence in correcting this issue with the credit reporting agencies. I thank you in advance for your help.

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 2019-10-08
Company: SYNCHRONY FINANCIAL
State: VA
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 have credit monitoring and Syncb/Amazon pulled my report i dis not authorize this.

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 2019-05-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have submitted complaint ID XXXX and received a response that Chase did not recognize me as their customer. My concern is that Chase is not exercising ordinary care in honoring checks that are presented to be debited from our accounts or in addressing errors made by Chase when brought to it's attention. I identified 3 instances, two for which I am authorized on the account. I will attach the documentation so that Chase has the account numbers and can verify my authorization. I have already confirmed with Chase subsequent to receiving the closing of complaint ID XXXX that I am authorized to discuss these accounts. The third is my mother 's personal account and she will be submitting a separate complaint for it. 

First error - Chased honored a single check number # XXXX twice and didn't catch it. Copies attached ( checking account number on the check copy. ) Second error - Chase submitted a loan payment to the issuing bank twice. I made 5 loan payments that day - 3 from a XXXX XXXX XXXX operating account and 2 from a Chase operating account. Chase submitted the 3 XXXX XXXX XXXX loan payments twice. When I brought this to Chase 's attention at the branch where I made the payments, I was initially dismissed and was told they could not do anything. I escalated this through our commercial loan contact, but it was mishandled every step of the way and I was never given a satisfactory answer as to why this only happened with my XXXX XXXX XXXXXXXX accounts. They stated it was a duplicate batch error, but if that was the case the Chase accounts should have been debited twice as well. You'll notice that the check number was not submitted to XXXX XXXX  XXXX with the duplicate debit. Copies attached ( Chase loan numbers in the memo section. )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Hello, Few weeks ago, I received a message from XXXX XXXX that I am eligible to apply for a personal loan at a very low rate. XXXX XXXX sent me a list of companies I can deal with and also stated, if I deal with these companies and my credit is pulled, " It will be a " SOFT '' pull and will not affect my credit ''. I called few companies to check on the offer and afterward to my surprise I have 13 inquiries on my credit report in which lowered my scores by almost 80 points. I never consented to anyone to use my account for a hard pull. I trusted these companies that they are legit and they are telling the truth. Unfortunately, this situation is preventing me from acquiring the needed loan. I do appreciate your involvement, your help and influence in correcting this issue with the credit reporting agencies. I thank you in advance for your help.

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 2019-10-08
Company: AMA Advisors, LLC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Refinanced into a conventional mortgage with Homebridge Financial roughly a year ago. Homebridge owns the note and ( until XX/XX/2019 ) serviced their own loans. Apparently, when they started using a 3rd party servicer ( XXXX? ) they also changed the loan number. We have never missed a payment and in fact had our mortgage set up on autopay at our bank ( Arizona XXXX XXXX XXXX ).  Somehow in XXXX the change in loan number started to create confusion at Homebridge because they indicated that we had missed that month 's payment. However, we did NOT miss that payment it just went into their system under the old loan number ... .but they still withdrew our funds. I have spend countless hours at my bank and on the phone trying to resolve this problem but it persists. We have provided Homebridge the transmittal report for the XX/XX/XXXX payment but they continue to indicate that we missed the payment ( and that we are accruing late fees ). Furthermore, our taxes and insurance were just paid from our account however this deduction will be too small because Homebridge didn't include our XX/XX/XXXX payment contribution. This is a mess and we do not know where to turn to resolve the issue. Please help

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: Conn's, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
When I originally received products I was told I had so much time to pay of interest free. I spoke with someone in phone about payment and said I could go to the bank of needed. The woman stated no she would post date it for next day no worries. I specifically asked her if it would effect my no interest in which she stated no. I made various attempts and reports to fix issue even asked them to pull call to listen. They immediately began to charge exssesive interest. They got me in a high interest no principal payment. Told them to wasn't working properly and even though it should be covered under warranty they refused to fix it. Told them come get items they don't work. They never did. They harrassed me various times daily. Told them to stop calling they refused. Now yrs later found out from some letter in the mail from a law firm stating I may have been sued. Absolutely absurd!! Predatory high interest company that intentionally tried to XXXX me over, refused to help me when I reached out, and now suing me, after they harrassed me and all my references for yrs. For items that stopped working and we're under warranty but refused to cover. So I'm supposed to just sit back and XXXX XXXX XXXX why they XXXX me and my family over again and again? Worst scam ever. They should be ashamed. I struggle trying to make ends meet for my children and now they have some right years later to sue me without properly informing me, so that a judgement can be entered against me. Way to go Conn 's!!! Now maybe I will never be able to rent a home for my children because of some judgement. I'm not a hateful or mean person but in this instance O hope this company gets the same treatment they give everyone else

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: JPMORGAN CHASE & CO.
State: ME
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are now in our 2nd year and our 2nd attempt of trying to get a loan modification, Chase our mortgage holder has done everything possible in putting obstacles to getting it done, Including fraud and out right LYING

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card
Issue: Billing disputes

Complaint:
You guys emailed me a secure link for me to up load proof of my dispute with XXXX XXXX. I now have proof of my leasing agreement. It looks like the link no long works. Please provide me a new link.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
These are not my accounts or inquires reporting on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On or about XX/XX/XXXX, I had to move out of my apartment due to being relocated for a new job. I turned in my notice to vacate the residence, along with the keys to the landlord. Per my lease agreement, I was on a month to month lease, and according to Florida Statue 83.595 ( 1 ), ( 2 ), or ( 3 ), we selected choice 2, in which we did not agree to liquidated damages or an early termination fee. I also did not receive a proper accounting of security deposits in which we paid since we have moved in on XX/XX/XXXX. I have since attempted to contact the property management company who did not assist in trying to correctly remedy this problem. I understand that I owe 1 month rent, minus the additional security deposit that they owe me, or to apply towards the balance owed. Once this is corrected, I will then work out an arrangement to remedy this balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: WELLS FARGO & COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made purchases on my personal credit cards for a company I was working for on the agreement I received reimbursement first before giving the products to the receiver. I was told to set up repayment on accounts through Wells Fargo. I was given account numbers and routing numbers from Wells Fargo to get reimbursed. I submitted my card balance after purchases and Wells Fargo paid my balance. After repayment I made additional purchases and was repaid through Wells Fargo. After about a month of this purchasing and repayments Wells Fargo returned all my payments and all the balances from the beginning were put back on my credit cards. My balances are up to 3 to 4 times the limit on my credit cards which proves payment. I have never been allowed to make a purchase over my limit on a credit card. This occured from the end of XX/XX/2018 through the end of XX/XX/2018. Once the payments were reversed I immediately called all my credit cards involved and let them know what happened and told them about the fraudulent payments. Then at the end of XX/XX/2018 my credit cards said I was responsible for the balances. I then contacted police, my credit cards again, Wells Fargo, three lawyers, The dept of consumer protection, and the OCC. The numbers of the accounts and routing numbers were all good from Wells Fargo when checked. I feel Wells Fargo should be responsible for paying my balances since they originally did so and lead me to believe the payments were legitimate. I have never been able to pay bills without money in my account. I do not have the money to pay back and my credit is destroyed.

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 2018-08-16
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: Information belongs to someone else

Complaint:
I reviewed a copy of my credit report on XX/XX/XXXX and found multiple hard inquiries that are invalid and not mine ( fraudulent ). After calling TransUnion and asking to have them removed, I was transferred to multiple representatives and ultimately told to contact each creditor individually. After doing so, I was told that TransUnion must be the one to delete such errors. These inquiries were added to my credit report without them being able to validate that they were in fact mine. I explained to them multiple times that I did not authorize these inquiries but they refuse to help me. I also asked a supervisor from TransUnion to send me proof of these inquiries being made by me and he was unable to provide any such proof. I would like the following inquiries removed from my report as they are violations of the FCRA. XXXX XXXX XXXX:XX/XX/XXXXXXXX:XX/XX/XXXX XXXX XXXX XX/XX/2017 XXXXXXXX plcc:XX/XX/XXXX XXXX XXXX XXXX XXXX  via XXXX:XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation