BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-12
Company: JH Portfolio Debt Equities, LLC
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:
JH PORTFOLIO DEBT EQUITY, LLC {$480.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

I challenge the accuracy, reportability of this listing.

There is no contract or valid claim I also contacted original creditor ( XXXX XXXX XXXX ) I want this account removed immediately or litigation will follow. Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.It is against the law to attempt to collect a debt twice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, 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 had an account by the name XXXX XXXX removed off of my credit, I had created an FTC report and sent to equifax. Recently Equifax had REINSERTED the account after it was removed as fraudulent. I am now disputing the account as fraud again because it is! I never openend the account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Freedom Mortgage Company
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a statement dated XX/XX/XXXX from my mortgage company stating my payment was late and that I was charged a late fee. I called on XX/XX/XXXX after returning from an overseas trip and spoke to XXXX ( agent number XXXX ). XXXX explained I received a late fee because my payment was received after the grace period. I told XXXX I have confirmation from my bank indicating they sent the XXXX payment on XX/XX/XXXX and Freedom Mortgage received the payment on XX/XX/XXXX. I asked XXXX to check into why it took Freedom Mortgage ( Headquarters location is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX, NJ XXXX ) so long to process the payment. XXXX put me on hold and contacted a team leader. XXXX came back on line and told me there was an issue at their payment processing center during the month of XXXX and that they are going to waive the late fee. I told XXXX thanks, but this is the second late fee I have been charged by Freedom Mortgage through no fault of my own and requested to speak to a supervisor. XXXX transferred me supervisor XXXX ( agent number XXXX ). XXXX told me the company had is issue with their lock box in XXXX and it caused a lot of customers to receive late payment charges/noticed. I asked him since the company knows they have an issue, are they taking corrective action automatically or are they only thanking action when customers call to complain. XXXX indicated they are taking action when customers call. He gave no indication the company is taking corrective actions for the accounts where customers do no notice the late fees. I can provide supporting documentation if required.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The ORIGINAL debtor is listed as XXXX They DO NOT have MY consent nor signature for that ORIGINAL account or contract in question. That same {$340.00} balance has been placed and removed from my credit file twice by different collection agencies and has now been placed on my file AGAIN yesterday YET AGAIN dropping my score OVER 100 points across the board. Southwest credit systems is in violation and Im seeking the fullest punishment possible. XXXX is the account they placed on my file which IS NOT mine. LASTLY, I have spoken with XXXX ( WHO I CURRENTLY HAVE SERVICE WITH ) and they verified that its no way I can have an account in collections with them & have a current account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXXXXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 2 and 3 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an XXXX. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-12
Company: SUNTRUST BANKS, INC.
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX I received a direct deposit from my part-time employer and called in this morning to get the balance. My call was transfer to a representative and she told me my account was being closed due to Suntrust Regulations. It makes me upset that they close your account without warning and you cant ' get an explantation on your own money that your worked hard for. I also have a checking account with them and wrote a check and now my check is going to bounce because my account is on hold.

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: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have informed Paypal that these transactions are XXXX, and need to be refunded and charged back to the merchant. I cancelled the agreement 4 months prior to the free trial ending. Not only did the merchant charge me for 1 account, but they charged me for 2 accounts for music service as 2 different levels with the same account with paypal. There is not anyway a person would need more than 1 account. The company in question is XXXX   an online music streaming service. They will not answer phones and will not communicate directly. My virtual wallet credit account Paypal did stop further transactions, but has not and has refused to refund the unauthorized transactions. I need the funds in question, plus the original trial funds returned to me as promised. As Paypal dispersed the money without my consent, and is not properly responding to the unauthorized transaction and calling it a billing agreement I hold them responsible. There was no agreement in place. I saw the charge and immediately requested the refund. The service was never used, not paid for or trial. You would think the companies would do the right thing but as this juncture they refuse. 

Your help in this matter would be appreciated. 

Here are the paypal transactions XXXX XXXX XXXX XXXX XXXX XXXX XXXX my log in id is XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-12
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Called Wells Fargo XXXX to pay off XXXX XXXX 's equity line under name XXXX XXXX. I am his son-in-law, XXXX XXXX. His home number is XXXX. 
My complaint is based on the excessive premium that Wells Fargo placed on XXXX when he let his property insurance lapse. He is not savvy in finances and also XXXX is his second language, so he did not know what " forced Insurance '' is. 

I called to pay off the equity line today and they said they would have that number on Monday. They also said it would probably include the principle balance of {$620.00} and also the unpaid insurance balance which is {$5900.00}. 

As we know forced insurance only covers the banks exposure. I feel that Wells Fargo has charged excessively for the forced insurance and that a fairer price should be negotiated based on the exposure of {$620.00} balance with a line of credit for {$24000.00} max.

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 2018-12-12
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 very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this XXXX  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 2019-04-12
Company: GUARANTEED RATE INC.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I believe that I was discriminated because I am currently receiving public assistance ( Social Security ) or my age. I don't think it could be anything else because I have assets in excess of 1.5, not including my free and clear home that they were aware of. First of all they told me not problem, but then when they did some kind " formula '' and I needed more that the 20 % per cent down that was originally agreed to. Then a week before scheduled closing, I need more money at closing in the form of cashier 's check only. Then after I was told about the addition money, it was well after close of business yesterday, I had to scramble around this morning to get a cashier 's check to close. I went to closing signed all kinds of documents ( and presented my two checks ) only to find out that I would not receive my keys until Guaranteed Rate Affinity LLC " released my funds ''. 

I would ask how many people with credit scores over 800, over 20 % and a fairly large sum in investments get refused from a mortgage company somehow affiliated with my real estate firm. It really looks like Disparate impact to me and also I don't think they like that fast that I receive substantial payments monthly from Social Security. 
Again Guaranteed Rate XXXX  XXXX NMLS # XXXX. 
Please let me know what I need to do or if you can help me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Credit bureaus have not responded to my dispute letter within 30 days for the inaccuracies on my 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 2019-04-12
Company: Experian Information Solutions 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:
I Need to file a complaint on Experian I have asked them about 7 time to investigate accounts for me in which they failed to do I have account on my credit report that do not belong to me also i have sent in documents to them and they failure to delete these items! 
XXXX XXXX not my account Number please delete this negative info and send me a method of Physcial documents as to how this account was verified in your last invesigation! 

XXXX XXXX XXXX not my account number please delete this negative info and send me method of Physical documents as to how this account was verified I HAVE ENCLOSED PHYSICAL AND I DEMAND YOU TO DO THE SAME! 

delete ASAP

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 2018-02-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem adding money

Complaint:
RE : USAA Savings Bank I entered an automatic payment of {$230.00}, and stipulated the posting date as XXXX XX/XX/XXXX. 

On XXXX XX/XX/XXXX, the amount was withdrawn from my bank. 

However, funds were not available on my prepaid XXXX. 

On XXXX XX/XX/XXXX, I spoke with a USAA CSR, ( 40 minutes, 54 seconds ). 

I was told that my " payment history '', " credit history '', " source of funds '', and " # of payments '' were factors related to the delay, and that a 10-day hold had been placed on my account. Notification of the " defender hold '' was not received via the app, email, phone, text, or USPS. Of note : ALL of my prior payments were made prior to the due date, I hadn't made any attempt to exceed the prepaid limit of my card, ( {$250.00} ), the account used for the payment had remained consistent, and prior payments were posted upon receipt. 

I was dissatisfied with this explanation, and XXXX, ( XXXX ), refused to provide his employee id #. He further suggested that the " payment was large, compared to my credit limit ''. 

A subsequent CSR educated me about the Credit Card Act of 2009 and " money laundering ''. 

The hold caused significant financial financial distress, in that I was attempting to pay the entire balance due, had no access to the funds in my checking account OR XXXX for 10 days. I had no access to other funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 had to file this report because I was denied from opening a credit card at XXXX today XX/XX/20 due to having accounts in negative standing. None of those accounts belong to me nor did I allow anyone to open these accounts in my name with my personal information. I have no idea who opened these accounts or how they got a hold of my information but I have already filed a police report. I did not benefit anything such as money, goods services or any other benefits from any of these accounts and I did not make any purchases or payments towards any of these accounts. I am not affiliated with any of these companies and I never gave them permission to access my credit information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Capital Link Management, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company named XXXX XXXX XXXX is trying to collect on a debt that is not owed. I never had service with this company. My information was used to open multiple accounts in my name and they are all fraudulent. Please immediately remove this account from all 3 bureaus and delete the trade line, Also please stop collections on this account asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: Experian Information Solutions Inc.
State: OH
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 have no knowledge of this account being that I have been incarcerated for the last XXXX years. I want this information removed from my credit report it is a total fraudulent account.

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 2020-05-04
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I was denied from getting a XXXX credit card today XX/XX/2020 because apparently there are accounts and inquiries reflecting negatively on my credit report. I had no idea that these accounts and inquiries were on my report before today because none of them belong to me. The accounts are from XXXX XXXX XXXX XXXX XXXX XXXX and the inquiries are from several different companies. I do not have any written/verbal contract with any of the companies listed on this report nor did I benefit anything from these accounts that were opened in my name without my permission such as money, goods, services or any other benefit and I did not contribute to any payments made towards any of these accounts. I have already filed a police report regarding these unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 customer service

Complaint:
Capital One refuses to give me access to my account. For four months, they have been charging me and charging XXXX XXXX for an account they restricted because they refuse to allow my auto payment to process. My account was set on autopay since i had the account and unbeknownst to me, it stopped autopay and cause my account to be late. I Have called several times each month to speak to Representatives and i keep getting the same representative who refuses to send me to a manager and keeps making me send pictures of my license, for fraud team to review and months go by and no one calles me back or has any update. They keep charging my account but refuse to allow me to resolve the issues. I called have phone call log proof of me calling and the representative verifying that the license pictures were approved and waiting for response and promised I would hear back. This was XX/XX/2020. It is almos a month from then and have not heard anything no one has called, account is mow charged another laye fee for another month when i have restricted access. I have confirmation from the fraud tram that the pictures uploaded successfully and I should not have anymore issues and the late fees will be redacted from my account as well as my credit file and have yet to get to see anything of this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-12
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I sent a {$93000.00} payment to Navient to pay off my student loan. I wrote my account number on the check and submitted the check in with the payment form to the payment address on their website which was XXXX XXXX XXXX, XXXX Pennsylvania. I sent the check certified mail and they signed receipt for the check on XX/XX/XXXX. They cashed a check on XX/XX/XXXX and did not credit my account. It is now been more than a week since theyve cashed the check and they said they need to do more research to link the check to my account ( my stepfather wrote the check for me, but it had my name and account number on it ). Ive spent several hours on the phone with them. They have almost {$95000.00} of my stepfathers money and have not credited my account. It is causing exceptional stress on all of us. Navient just says that the check is in suspension mode. They are asking for proof that the check cleared. I uploaded a screenshot of the bank account showing the check number and cleared amount and date two days ago and its still not resolved.

Company response to consumer: Closed with explanation