BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-22
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX AFFIDAVIT FOR FRAUD AND IDENTITY THEFT TO LEGAL DEPARTMENT FOR EQUIFAX Certified Mail # XXXX XXXX XXXX XXXX XXXX REASON- FRAUD ACCOUNTS- PUBLIC RECORD-BANKRUPTCY- XXXX XXXX- XXXX THIS IS THE SIXTH LETTER I AM WRITING EQUIFAX TO DOCUMENT THE FRAUD BEING COMMITTED ON MY CREDIT FILE. I HAVE ASKED EQUIFAX TO VERIFY THE FRAUDULENT BANKRUPTCY AND FRAUDULENT ACCOUNT ON MY CREDIT FILE NAVIENT VIA Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I have documentation since XX/XX/XXXX that I have been removed from XXXX system. But Equifax states that they verified a bankruptcy via XXXX as recently as XX/XX/XXXX. So for almost a year Equifax has intentionally kept an unverified bankruptcy on my account. THIS IS FRAUD AND MUST BE SOME TYPE OF IDENTITY THEFT because this unverified account has not been verified. 
The US BANKRUPTCY COURT states that they do not share information with 3rd parties so your source is FRAUD. 
I HAVE LETTERS FROM XXXX and THE BANKRUPTCY COURT but Equifax just ignores my lawful request and keeps this fraud on my account. 
IF ANY INFORMATION IS REPORTED ON A CREDIT FILE IT MUST MATCH ALL 3 BUREAUS AND THIS BANKRUPTCY HAS BEEN REMOVED BY XXXX BECAUSE IT IS UNVERIFIABLE unless EQUIFAX pays {$33.00} for the full report directly from the bankruptcy. And if done so please give me the employee who you purchased from and the receipt of purchase. 
They also keep this FRAUD account on my file from XXXX. And I have no contract with this company and it has been removed from XXXX and XXXX. 
I am including all my documentation in this correspondence along with Certified mail so I can document EQUFAXS FRAUD FOR LITIGATION if they verify these two account or DELETE IMMEDIATELY. 
YOU HAVE 15 DAYS TO REMOVE THIS FRAUD. MAIL MY FULL UNREDACTED UPDATED CREDIT REPORT AFTER THE INVESTIGATION IS COMPLETE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-22
Company: Screening Reports 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: Credit inquiries on your report that you don't recognize

Complaint:
Nothing! I tried to find out information on who, and why they were on my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2020-11-05
Company: Square Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On or about XX/XX/XXXX, I bought {$100.00} worth of bitcoin on cashapp. I want to make a withdrawal. They need ID which is fine. I scanned my DL and they said it needs to be a US ID. Oregon is in the US. They did, within the last year, change the design of our DL. I contacted their support ( which is only by email ) they gave me an IRL to upload pictures of my ID and a selfie of me holding it. I did this. Several days later I contacted them to see if they have received it. The email sent me through the same process. I dont think real people are answering the emails. So I tried a couple more times and got the same canned reply. On XX/XX/XXXX I received an email they are closing my complaint because they hadnt heard from me. Now they wont respond at all. I called the bank which they work with. They said they dont deal with cashapp issues. Now I am contacting you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: Mr. Cooper Group Inc.
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was recently refinanced & transferred to Nationstar Mortgage, DBA Mr. Cooper. On XX/XX/XXXX, I contacted them regarding my home owners insurance ( due for renewal in XXXX ), they informed me the policy had been paid that same day. XX/XX/XXXX I spoke to my insurance company & they stated no payment had been received. I paid the policy directly and contacted Mr. Cooper to inform them it had been paid, proof of payment had been sent, and I asked them not to disburse payment from my escrow account, I was ensured no payment would be sent. XX/XX/XXXX I received an email confirming payment to my home owners insurance. I contacted Mr. Cooper again to discuss my ( now ) negative escrow balance, while on the phone, I noticed the payment for my property taxes was scheduled for XX/XX/XXXX, however, my property taxes are due no later than XX/XX/XXXX. I contacted my assessor 's office to ask that my property tax bill be sent to my new mortgage company, they informed me they don't do that, the mortgage company should contact them. I made an escrow deposit to cover my taxes and have since contacted Mr. Cooper twice to discuss payment of my property taxes, they continue to tell me they will be paid before XX/XX/XXXX, however, my account still reflects a property tax due date of XX/XX/XXXX. If I knew I could pay my own property taxes and trust that a Mr. Cooper agent would property notate my account to avoid a double payment, I would do so, however, based on my experience with my insurance, I can't trust anything they tell me. Mr. Cooper has been my mortgage company for fewer than 60 days and in this time I have had to contact them numerous times. Wait times are typically 10 minutes and I have yet to speak to a competent agent. I shouldn't have to babysit my mortgage company to ensure they are making accurate escrow disbursements in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Experian Information Solutions Inc.
State: CT
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:
For the past several months I have been trying to have an inaccurate collection from my credit report- it is regarding a XXXX Account from over 9 years ago that went delinquent in 2013. This item should have been removed from my credit report last year- but has yet to be removed. 

It is severely impacting my credit score and I would like it to be removed. Experian and XXXX  both refuse to correct the information, despite my having disputed the account several times with them. I have no idea how they are verifying that this account is accurate and now, because I have disputed this account so many times, Experian refuses to allow me to dispute it online 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 2018-02-23
Company: JPMORGAN CHASE & CO.
State: FL
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:
hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquires XX/XX/2016 XX/XX/2016

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I opened credit cards as XXXX year old about 2 1/2 years ago to try to establish credit for myself. I used them a few times and was making on time payment every month without enough knowledge of interest rate. I lost my job and at this time credit cacrdbalance was paid off, I asked credit card company to close cards before next payment was due because i was not in the position to pay. I did not keep up with this request or double check if this was done. Due to this, the credit cards are still open and now have a lot of interest rate charges as well as late payment charges. I am in no position rightnow to pay any of the money back and would really like have a dispute filed so my credit does not get ruined and debt does not keep piling up. Please help dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: OpenRoad Lending
State: MI
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:
Institution Information XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry from XX/XX/2018 This company inquired about my credit when I told the third party I didn't want to continue with the process. 

XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Inquiry from XX/XX/2018 This company inquired about my credit when I told the third party I didn't want to continue with the process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: RoundPoint Mortgage Servicing LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have a FEMA approved flood policy in place. Roundpoint Mortgage knows that as a consumer I can not purchase retroactive flood insurance. I have tried. The waiting period for and flood policy is 30 days. So roundpoint has now notified me that they are purchasing Private flood insurance for {$680.00} for the beginning of the months for which I did not have coverage which will further increase my mortgage payment higher than the {$310.00} they have already increased after they purchased an entire year policy for which they attached the month of XXXX after notifying allegedly in XX/XX/2019 that I was in a flood zone. Buyer beware and check your statements every month and make sure you know if you are in a flood zone each year to prevent this from happening to you. So in a matter of months you won't be dealing with almost {$3000.00} of an escrow shortage and being taken advantage of by mortgage companies that can buy private flood insurance for whatever dates they want.

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 2017-11-08
Company: Total Card, Inc.
State: FL
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:
I have n't received a response to emails to confirm if payments were suspended. When I received an email from the bank the payment was to be withdrawn from, I called and questioned what the email was for. I honestly thought the payment would be paid. The payment is from a savings account. The payment was returned. I communicated that if I had received notification in writing that I would n't be going through this. I was told that payments were suspended. It reminds me of when I was on the phone with a representative at XXXX and the female employee said something like I told you verbally. 

I emailed on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft.

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 2018-11-09
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have 2 car leases with GM Financial, earlier this year I had set up automatic payments for these accounts, I accidentally made both payments at {$1100.00}, one of the payments was supposed to be {$1100.00}. I was short {$74.00} every month for 5 months. GM Financial kept that shortage on my account and in turn I have 6 30 day lates on my credit. I did not receive a phone call letting me know I would be getting these late notices reported to the credit bureaus. Year to date if I would have made all payments I would have paid {$12000.00}, I have actually paid {$13000.00}. I understand I may have been late 1-2 of those payments but again I was never notified and I have made payments ever month. I called twice to ask to have some or all of these late dings removed from my credit and they said they are not wrong and it is too bad. I asked to speak to a manager and they would not transfer me or let me speak to anyone, the gentleman XXXX XXXX because he would not give me his last name, said his manager was busy and would not talk to me. I have been a GM car owner for 10 plus years and currently have 2 accounts with them and I just do not believe I was treated fairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-22
Company: HEARTLAND PAYMENT SYSTEMS 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:
On XX/XX/XXXX I entered into an agreement with University XXXX XXXX/co XXXX XXXX for debt rehabilitation. 

In the agreement they state if I make 9 consecutive on time payments of XXXX with the last payment due on XX/XX/XXXX and my credit report will be returned to current status. 
Have all the credit bureaus histories regarding the defaulted loan removed. 

By this date XXXX XXXX has not updated my credit report per their promise

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
The following hard inquiries show on my credit report. I have not directly contacted any of these companies. I have been a victim of identity theft, and all of these are likely attempts to open an account under my name. I have had a credit block placed once, but it seems like it has expired around mid XXXX at which point these inquiries started again. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2018-11-09
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Problem with personal statement of dispute

Complaint:
My1st payment to XXXX was reported late. I applied for direct payment the company didn't take the payment out of my account on time. then report my payment 30 days late XX/XX/2018 in the amount of {$590.00}. I called XXXX they stated that they couldn't change the report that I had to contact credit bureau. This was not my fault my payment was available as scheduled. XXXX didn't take the money out of my account as I had requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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:
It's been 4 years dealing with a collection company called XXXX They have been inserting unverifiable accounts in my credit report I have disputed numerous times and accounts are deleted for months then reinserted again without notice nor verification/validation on there behalf as proof of owed debt All accounts are reporting in XXXX, XXXX, and experian. 

Attached proof of removals and disputes

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 2018-07-12
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: Old information reappears or never goes away

Complaint:
Old information keeps reappearing. XXXX XXXX XXXX XXXX charged off this account transferred to recovery and was paid on account. They got ta paid off balance yet still want the balance and they keep accruing interest charges on the account. Plus XXXX XXXXXXXX is showing it open when charged off 4 years ago. XXXX XXXX needs to report correctly with a XXXX balance cause they got their money for this XXXX and still looking for full payment with interests accruing. Plus I co signed on account was not my car not did I make the payments. Please remove all updated information since went to recovery 4 years ago

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 2020-11-05
Company: Experian Information Solutions 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:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown items on my credit report. To this day, it's been over 60 days later and I haven't received a response yet. I feel as if I've been taken advantage of and being ignored of my disputes. Section611 ( a ) states that a failure to investigate these items within 30 days gives just cause to immediately remove those items from my credit report. it has been over 60 days and those items need to be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also impacted by the XXXX  Data Breach and that may have gotten in the wrong person 's hands

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 2018-11-09
Company: Alliant Capital Management LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
A guy named XXXX keeps contacting me at work and contacting others. He gives me a case number XXXX oh. He is rude and Hangs up. I told him if I owe it send me a letter. He claims he has. I have not received anything. He first told me he was with XXXX XXXX XXXX but after calls to XXXX XXXX XXXX and other places I find out he is with Alliant Capital Management. When I tell him to stop calling he says he wont.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX $ was sent to my checking from XXXX XXXX it was marked as deposited on my transaction listed but it never touched my account I alerted customer service all they did was give me back atm fees for XXXX $ for one account and XXXX $ for the other account.All this occurred on XX/XX/2021 as a result I didn't have enough money to buy an important part for my account.I opted out of overdraft and didn't check the balance before I overdrafted accidentally.

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 2018-08-21
Company: Navient Solutions, LLC.
State: NV
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:
XXXX XXXX XXXX posted a debt of {$2600.00} on my credit report dated XX/XX/2017. I did not attend this school in 2017, nor did apply for a student loan or open any accounts during this time. This is impossible and can not be accurate information. I mailed a certified letter to this company which they received. I received no response to the letter. I do know purposely posting inaccurate credit information is a violation against my rights as a consumer and I would like my rights not to be violated.

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 2018-06-26
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
in XX/XX/XXXX I filed chapter XXXX there was agree that they would accept XXXX and payment of XXXX amonth I cant control what the trustee does but they agreed to it as the yr when by my spouse have several operation this cause us to get behind XXXX on XX/XX/XXXX I wrote wells fargo a letter to ask them to give me some time to get caught up nice people as they are they send foreclouser notice now they want to take our home now they money I could of payed on my unpaid behind payments I have to hire a lawyer and pay there lawyer to

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