BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-03
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am in the process of buying a home, so when the home loan officer ran my application and asked for my credit report from equifax, equifax would not release it because they said that my social security belongs to someone else. I faxed over documents to prove its mine : social security card, birth certificate, passport, Drivers License, w-2, and paystubs. I faxed them over XX/XX/2020. Then to be safe I also mailed them in on XX/XX/2020. 

I have called everyday to see if they received them and they keep saying no.

When I asked what number to fax it to, I got 2 numbers from their representatives, and if you XXXX Equifax theres endless numbers on their website. 
Same for addresses. There are about 4 different addresses.

I made sure i faxed it and mailed it to the right ones and I am still in the blind because they wont say they received them until they are done processing them. They should have clear answers and just let me know they received them and are working on it.

Its been 2 weeks now, I found out about the misinformation on XX/XX/2020 and nothing has been fixed. I am trying to buy a home and can not proceed until this is resolved. 

The other 2 credit companies ( XXXX  and XXXX ) have no issues with my social security number belonging to me or my credit. They should all have the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This has been an ongoing issue with Bank of America. They keep sending this account to different collection agencies, XXXX XXXX, then, XXXX XXXX and now XXXX XXXX XXXX, XXXX.Sent letters in XX/XX/XXXX, XX/XX/XXXX, In XX/XX/XXXX sent letters in XX/XX/XXXX and XX/XX/XXXX to  validate my dispute of the amount of {$19000.00}. Failed to provide me with a copy of any viable evidence bearing my signature. Requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Requested " validation '' that is competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. Please also be aware that any negative mark found on my credit reports including XXXX, XXXX and XXXX from your company or any company that you represent for a debt that I don't owe is a violation of the FCRA & FDCA therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. It is a violation for : Defamation, Negligent Enablement of Identity Fraud, Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ), Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). Furthermore, XXXX XXXX and XXXX XXXX were sent certified letters in XX/XX/XXXXand XX/XX/XXXX and did not respond in a timely manner to my initial letters which violated Federal law. In XXXX v. XXXX XXXX XXXX No XXXX ( XXXX. XXXX XX/XX/XXXX ),  they can be liable for willful non-compliance. By violating federal law, by not properly investigating with the required timeframe, and I have the evidence of such, via certified mail receipts, the item must now 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 2019-02-26
Company: WELLS FARGO & COMPANY
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
XX/XX/2017 I stopped by XXXX XXXX XXXX to see how approximately how much a new bed would cost me. The head salesman, XXXX, took me to the beds and three other salesmen followed. I was shown the beds and told them I couldn't qualify because I had a car loan to pay first, I just wanted to know how much. XXXX said well l get all sorts of discounts and coupons because I'm the lead salesman and we can get you a really good price. I said howmuch, and he said it doesn't matter because I'll use the discounts. Just sign this and I run a credit check. I failed. So I got up to leave, I was in alot of pain and told XXXX I needed to leave. He said wait just a second, then another salesman came up and said sign this we have another place to check. This happened 3 time so I finally made it out the store.

A few days later, the bed was delivered to my house. I wasn't home but my daughter let them deliver it. 
The next thing I know, I get a bill from Wells Fargo for over {$3000.00}. First I was told Wells Fargo had declined me, which was ok by me because I wont do business with them because of their dishonest business practices and taking out credit cards you don't request. And guess what? I was sent a credit card I did not ask for. 
I called XXXX XXXX and told them to come pick up the bed I did not want it, and I said I had already told you I wouldn't use Wells Fargo because they were dishonest. 
I next called Well Fargo to tell them they needed to deal with XXXX XXXX. 
I called XXXX XXXX again and said pick up the bed within three days or I will put it on the curb. Did not hear back from XXXX XXXX, so I put it on the curb and it was picked up. I did not hear back from them nor did I hear back from Wells Fargo. 
Just an FYI the bed in reference actually sells for about {$1700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-04
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
While we had a mortgage with Pacific union financial we went through a modification and pacific union did a hud relief loan. We were not properly informed about the repayment of that loan until we paid off our home. When we paid off our loan, that was transferred to XXXX mortgage, we found out we owed hud almost $ XXXX. We never seen XXXX come off of our balance or owed amount with pacific union when that modification and hud relief was processed in 2018. We feel as if they did not handle the funds properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
They have been receiving payments from XXXX XXXX XXXX XXXX and have not been applying payments. I have check numbers from haf and dates when they cleared and they still wont apply payments and just hit my credit score with a delinquent charge took a hit for XXXX points

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Experian Information Solutions Inc.
State: IL
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 fraud. Police Report Number : XXXX. It was filed at XXXX Police Department on XXXX/XXXX/XXXX. Complaint with the XXXX XXXX XXXX XXXX and PXXXX XXXX XXXX XXXX XXXX file number XXXX on XXXX/XXXX/XXXX. Online Complaint confirmation code is : # XXXX. 

Please place a credit freeze on all my credit reports on all credit bureaus : Experian, XXXX, XXXX and XXXX. 

Please remove all hard inquiries from XXXX/XXXX/XXXX until XXXX/XXXX/XXXX on all my credit reports on all credit bureaus : Experian, XXXX, XXXX and XXXX. 

Thank you, 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 2018-10-01
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Conns repeatedly called my cell phone number over a debt that should have been covered with insurance that I paid with them. They called my cell on a dialer without my permission and called me before XXXX all the time. They would call me over 10 times a day and agents would threaten legal action and curse at me. Please audit their accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with renewal

Complaint:
The bank is first citizens bank head quarter at XXXX XXXX XXXX, XXXX, NC XXXX and we have been dealing with the branch located at XXXX XXXX XXXX, XXXX, NC XXXX the problem we have is that my mother in-law passed away and after opening her safe deposit box there are 2 Certificate of deposits that the bank can not locate in there records or can not show that have or have not been redeemed. I have the original XXXX XXXX, the 2 of them are over XXXX dollars and one is from XXXX and one from XXXX. First Citizens tells us they don't keep records over 7 years. My mother in law was very frugal lady, and saved these XXXX XXXX for her kid 's inheritance and the bank will not honor these.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is {$1700.00} a month. However, I always pay an extra $ XXXX {$340.00} every month so as to lessen money paid in interest charged by the total loan ( current balance {$240000.00} ). It is hard to tell if the overpaid money is being applied towards the reduction of the principal amount. I have asked my loan servicer ( PHH ) to send a copy of how much money I will have paid at the end of the mortgage life, which mortgage companies are obligated by law to provide to borrowers. PHH 's website outlines extra payments as " Monthly Additional Principal '' ; however, it is unclear ( and PHH refuses to clarify ) how my extra payments impact the life of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: V and H Portfolio
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Vance and Huffman llc has reported to my credit bureaus that I opened an account with them XX/XX/2020 which is false. I do not I ow who they are and I did not open any account with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-02
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have been trying to get my free Equifax credit report. Every time I try to do the request online the security questions does not apply to me. Due to the hacking attempt I will not submit my personal information to Equifax to prove who I am. I DO NOT TRUST EQUIFAX OR ANY OF THEIR EMPLOYEES. 

I do not want Equifax try to send my credit report to my home address. Tell them to send the report to the following law firm. XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TENNESSEE CALL XXXX - Ask for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The late remarks listed is incorrect, there is a late 90 days with no prior late remarks on it. Also the date of last active is different from XXXX and 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 non-monetary relief
Consumer complaint received 2018-04-17
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I am currently back in school but Navient will not afford me an in school deferment as it says I have exhausted forbearance limits or something to that effect. In XX/XX/XXXXI tried to set up a payment arrangement, made a down payment and then I would have set payments of {$440.00} which would have to be reviewed in a year. Going through this process I received a letter that said I didn't qualify and then I got a call from the company saying otherwise. Only to soon after receive another letter stating I again did not qualify. So you can imagine the confusion on what I was suppose to do. On XX/XX/XXXX I learned was my last day in my current position. So now I don't have a job to even afford to pay but could really use an in school deferment. I will be reaching back out to the company today XX/XX/XXXX to inform them of new details and to try once again to get a deferment until I obtain employment again. The other concern I had was are these loans even legal as they were given to me while obtaining my undergraduate degree and they would never certify with my school which as I realized later was very predatory in how they did the lending at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX/Walmart cancelled my credit on XX/XX/XXXX. I contacted customer service several times and no one could help me I was told to wait for a letter in the mail because for some strange reason they were unable to read it on their computers. They informed me to contact XXXX  because this information was given by them. I contacted XXXX and was informed they do not give out information they receive the information and they do not know why Walmart would say such a thing. On XX/XX/XXXX I contacted Walmart again asking the reason for my card being cancelled because I did not receive any letter in the mail the representative could not give me an answer so requested to speak to a Supervisor I spoke with a supervisor and she informed me my card was cancelled because I am at a higher risk for fraud than others I asked could she better explain it to me and she stated she could not and that is what it stated on the computer I than ask to speak with her manger and was transferred to XXXX ID # XXXX and he gave me the same information I asked him was there anyone I can speak with and he told me no he is the highest level supervisor. I can not get through to anyone and no one will help me. I feel this is a form of discrimination because how was this determined based of the area I live or was it because of my race. I asked questions and he could not give me answers I informed him this was discrimination and he did not say anything. I had my credit card with Walmart since XX/XX/XXXX and never missed on payment and used my card frequently.

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 2022-02-12
Company: CL Holdings LLC
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
JEFFERSON CAPITAL SYSTEM LLC at XXXX XXXX XXXX XXXX XXXX, MN, XXXX has been sending me collection notices in the amount of {$3800.00}. The collection has been reported as past due balance on my XXXX credit report. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I've contacted Transunion to remove collections on my account that were reported unlawfully use of my SSN. They've failed to remove these inaccuracies multiple times.

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 2020-07-09
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Accounts wont link between PNC and XXXX. I have XXXX in XXXX that I need, and Pnc wont let me save either

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Experian Information Solutions 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:
XXXX  should not be reporting to XXXX ; Experian and XXXX that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account had been transferred and one of my payments had been processed incorrectly and because of this processing error my account had reported a late payment. The payment of XXXX had actually been entered as a payment for XXXX. Consequently because of this initial data entry error, this account has been falsely reporting a ( 30 ) day late. I contacted XXXX and I was assured that this data entry error would be corrected. Unfortunately, they did not keep their word and this account is still reporting wrong. I have contacted the bureaus as well to remove this late however, I have not been successful.

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 2020-05-27
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:
XXXX  should not be reporting to XXXX ; XXXX and Transunion that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account had been transferred and one of my payments had been processed incorrectly and because of this processing error my account had reported a late payment. The payment of XXXX had actually been entered as a payment for XXXX. Consequently because of this initial data entry error, this account has been falsely reporting a ( 30 ) day late. I contacted XXXX and I was assured that this data entry error would be corrected. Unfortunately, they did not keep their word and this account is still reporting wrong. I have contacted the bureaus as well to remove this late however, I have not been successful.

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 2020-06-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I received my credit scores from 3 credit reporting agencies and each has shown a massive decline in my credit score for XXXX  and Equifax. My credit score was XXXX for Equifax and XXXX for XXXX  for months and no one can explained the massive drop. I have paid all accounts on time. I have continued to reduced my credit utilization, paying out two accounts out of the 3 credit cards, XXXX and XXXX XXXX accounts are paid to a XXXX  balance. I have paid my XXXX account down to {$4800.00} and though they are reporting {$5600.00} my credit score for months remained the same of XXXX and XXXX. My credit score has been XXXX and XXXX over a year or so and I have only continue to pay all of my creditors down, When I spoke to the rep at XXXX  inquring about the drop in my score and informing her that XXXX XXXX, XXXX XXXX and XXXX  are all reporting the same devreased scores. Though I informed her that all 3 organizations report the scores using VantageScore 3.0. she indicated to me that XXXX   uses VantageScore 3.0. She indicated to me to contact the organizations and inquire of them why the drop in the score. I informed her that when I inquired of XXXX XXXX, XXXX and XXXX XXXX, all 3 organizations indicated they only report what XXXX  and Equifax reports to them. The only thing that should have reflected on my credit reports was an increase, not a massive decrease.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: BB&T CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hi my name is XXXX XXXX. I bank with bbt XXXX NC. My savings account was overdrawn by almost XXXX dollars. Well my XXXX check went in on XXXX XXXX next morning my card was XXXX. I called the bank the lady said she would unfreeze it ok cool.well.well the next day they took the XXXX and left me with almost nothing. My check was for XXXX. She did n't say there was a possibility there going to take that amount. Now I ca n't make my house payment. At least waive the fees or take half this month and the rest next month. Or split the difference all together. Thanks, very concerned citizen. 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