BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 some issues with my credit report I have a unverified accounts and a Bankruptcy that is not accurate on my credit report, Under the Fair Report Credit Act, you are required to comply with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. My name is XXXX XXXX. I am XXXX XXXX   the following addresses are not mine please delete remove : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX The following accounts are not accurate : Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have inquires on my credit that are not authorized and I have filed a police report for the follow inquires 1. XXXX 2.XXXX 3. XXXX XXXX 4.XXXX  XXXX XXXX 5. XXXX / XXXX XXXX XXXX 6. XXXX  XXXX 7. XXXX XXXX I WILL BE SUBMITTING A COMPLIANT TO FTC as well. I am in the process of buying a new home and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number is XXXX DOB 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 2021-03-30
Company: EQUIFAX, INC.
State: NY
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:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Security Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX is claiming that I owe them {$1800.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I write Equifax a letter with my disputes in XXXX. It has been 60 days and they have not responded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: DISCOVER BANK
State: NY
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:
A reservation was made for a hotel for a particular type of room. Checkin was completed and went to room. The room was not as described and an attempt to have problem corrected went ignored by the hotel. Hotel corporate was contacted regarding the reservation guarantee and was advised the hotel is in control. No one was honoring guarantee. A dispute was filed with discover and ruled against me stating I signed for it. However they have failed to explain since what the hotel is presenting is undated checkin paperwork that is fraudulent by combining documents. They are only accepting of the signature and not accepting anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
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 some issues with my credit report I have a unverified accounts and a Bankruptcy that is not accurate on my credit report, Under the Fair Report Credit Act, you are required to comply with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. My name is XXXX XXXX. I am XXXX XXXX the following addresses are not mine please delete remove : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX The following accounts are not accurate : Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX I have inquires on my credit that are not authorized and I have filed a police report for the follow inquires 1. XXXX 2.XXXX 3. XXXX XXXX 4.XXXX XXXX XXXX 5. XXXX  / XXXX XXXX XXXX 6. XXXX  XXXX 7. XXXX XXXX I WILL BE SUBMITTING A COMPLIANT TO FTC as well. I am in the process of buying a new home and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number is XXXX DOB 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 2020-06-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company showed up on my credit report without any personal correspondence until afterwards. I have sent 4 letters to the credit bureaus that asked for verification of the debt and haven't received any proof other than the fact that it was " verified '' and will continue to stay on my credit report for the next 5+ years. I wrote a letter to the company asking them to validate the account with a contract between us and they have only sent me statements, the last letter I received after telling them that is not what I asked for was a form to fill out about my identity being stolen, this is definitely not what I asked for. This is the last step I am taking before I have to sue. This is the only debt collector on my credit report and they haven't been able to validate the account with the information I asked for!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a record of this account that ever belonged to me. I've requested on various occasions to send verification from the proprietorship however they haven't agreed to my solicitation yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On XX/XX/2018 I accessed my credit report from XXXX XXXX and they reported mycredit scores of XXXX for Trans Union and XXXX for XXXX. only 5 days ago my scores were XXXX for Transunion and XXXX. I was concerned as to why i dropped 36 points in less than a week so, i called TransUnion. They would not tell me anything except that I should pay them {$9.00} and they would give me an explanation. I told them that this was absolute robbery and I am suffering because of their error. I am trying to buy a condo and my interest rates will sky rocket unless they correct my score. 
I am XXXX XXXX XXXX and worked very hard to get a good credit rating, not great but good.I have not been late in any of my credit cards or loans in the past several years and resent their being so nasty to me on the phone. 
I strongly feel that they owe me an explanation, free of charge and until they correct this I want to put a freeze on my account with them. I do not want them to report on my credit to anyone. 
Please help me.

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 2021-03-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: WELLS FARGO & COMPANY
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In about XXXX of 2018, I updated my Wells Fargo mortgage account to automatically withdraw {$490.00} from my bank account on a weekly basis. I elected that {$130.00} of each weekly withdrawal go towards additional principal, and the remainder going towards additional principal. I noticed that after a number of statements, later in XXXX, that Wells Fargo was not processing my payments as I set them up on their website. They were processing most of the time three payments of {$490.00} to go mostly toward the total monthly payment ( total {$1400.00} ) and the  remainder of the three weekly payments ( {$56.00} ) towards  additional principal, a far cry from the {$550.00} that I elected. This resulted in a number of extra early payments that I did not authorize, since the monthly payments were paid every 3 weeks rather than every 4 weeks, and will have many more than the 1 extra monthly payment per year that I understand weekly payments will have. This will result with a lot more interest paid over the life of the loan and the payoff date being much later. 

When I contacted them about their errors, they responded on XX/XX/XXXX : " The funds from the weekly withdrawals are held in suspense until there are sufficient funds to complete a full month 's payment. As a result, the full monthly payment may post to the account prior to the fourth withdrawal. '' They sent me an updated amortization schedule with the additional principal being {$550.00} as I requested, and the payoff date being earlier where I expected it. In a follow-up message, they responded, " Please allow my to begin to confirm, your additional monthly principal withdrawn is indeed {$550.00}. Each time we withdraw {$490.00}, this represents one-quarter of a monthly payment, plus {$130.00} additional principal. '' The response is exactly how I wanted my payments to be applied in the first place, and I would have been satisfied if it were fixed there like he said. However, my most recent statement only has 3 payments of {$490.00} applied, and only {$56.00} towards additional principal.

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 2019-02-02
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On Friday XX/XX/XXXX I received a letter from XXXX  that they were turning the servicing of my account to XXXX XXXX XXXX d/b/a Mr. Cooper effective XX/XX/XXXX. The letter further states that XXXX   must notify me 15 days in advance of this transfer. The letter is dated XX/XX/XXXX which is 13 business days prior to the XX/XX/XXXX transfer date. If they created the notification on XX/XX/XXXX and then mailed it its not possible that I would have even received it within 15 days of my transfer date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: CITIBANK, N.A.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi, Im writing to you regarding an account that I had with XXXX XXXX. I just found out that I had a {$22.00} balance past do for many months ( It is been paid ) .... never got a call from them or a later colecting the balance so as a result my credit was really damage and Im not being able to get a credit card that I really need. 
Im been traying to rebuilt my credit little by little and this is big set back. 
I need help Thank you 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 monetary relief
Consumer complaint received 2018-04-21
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My mother until her death in XX/XX/2012 had a mortgage with XXXX XXXX XXXX XXXX, the original loan is controlled by Wells Fargo, payment were made to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, stop collecting payments and now the mortgage payments go directly to Wells Fargo.

The mortgage is in an estate account I'm really concerned about this adjustable rate of 9 % which increases every six months. The mortgage payment is {$1500.00}, {$1200.00} is interest {$340.00} goes to principal. I now when my mother was alive she tried to get a fixed rate, to no avail, due to her retirement. Mortgage payments are paid on time, taxes are up-to-date This is an income property. I have tried on many occasion to refinance this property either my income was insufficient and now I'm unemployed. I'm disgusted in the amount of interest I'm paying to the shareholders for this mortgage and how little is going towards the principal. Mortgage rates is currently at 4 %, we are paying 9 % adjustable.

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: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
For over 10 years I have been trying to get my daughter 's student loan payments to an amount I can afford. The amount I can afford is {$300.00} to {$400.00} per month. Each year I call Navient the representative tells me the amount I want to pay is fine, but I will still be considered delinquent if I don't pay the entire amount due. Finally in XXXX  one representative told me if I consolidate the loans I can get it to {$300.00} or {$400.00} per month. Well when I got the approved amount it came to around {$1600.00} per month. That was crazy, I contacted Navient immediately and told them I am unable to pay this amount. The representative said we can defer your payment for a year and maybe then you can pay it. I told them no I will not be able to pay it. I had to send a letter to the CEO of Navient and I got another representative to contact me. She indicated she would investigate this matter. Well she came back with there is nothing I can do to change the amount you need to pay, but I can defer you payment for a year. This is ridiculous how Navient representatives trick their customers into consolidating the loans when they are being told I can't pay the amount you are requesting in the first place. Then the new consolidated loan amount is 100 % higher than the individual loan amounts. This has been a burden on me for many years and I am tired of it. I need someone to contact Navient regarding tricking customer into consolidating loans and then not helping them to make the reasonable payment the customer can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: CITIBANK, N.A.
State: TX
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:
XXXX did a hard pull on my credit without my authorization or knowledge on XX/XX/17.

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 2018-04-21
Company: Collection Consultants of California
State: CA
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 went to the er on XX/XX/XXXX for a minor XXXX. Long story short, the hospital used wrong equipment on me and tried to treat but was not able to. on the admission forms I did not provide my social security number, but did go thru my health insurance anthem XXXX XXXX. My suspicion is that XXXX gave the hospital my social security number without my authorization or knowledge, only to find out later it was reported to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: PNC Bank N.A.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2017 I applied for a personal loan product with PNC. My application was denied at the time I had a XXXX XXXX  Score been working with the same job for three years, not in debt, and only had one credit card. I called and complained, my application was wrongfully denied because to me I'm a well qualified applicant. After not receiving the answers I was looking for I proceeded to ask how to go about removing the inquiry as a goodwill gesture since my application wasn't approved they told me to send in a detailed letter which I did and to wait for a response. PNC never responded to me, I called in to see what was the pending status of my request. After calling and calling I was told that the inquiry wouldn't be removed even though I did exactly what they asked. Mentioned by the last CSR I spoke to even though I may be a qualified applicant because of the banks " Conservative views '' my application wasn't approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: BARCLAYS BANK DELAWARE
State: TX
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 ordered an item from XXXX that I never received I made a dispute with the credit card company and they denied my claim and they had really no evidence towards me ... I am their customer and my package was either stolen or delivered to the wrong address but they are still making me pay for it ... I even have a police report stating that

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-11
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
What is this complaint about?

EQUIFAX BREACH What type of problem are you having?

CALLS FROM UNKNOWN PERSONS THAT HAVE MY SOCIAL SECURITY NUMBER. INFORMATION RANSOM CALLS.

What happened?

EQUIFAX BREACH What company is this complaint about?

EQUIFAX Who are the people involved? MY SELF, EQUIFAX, DARK WEB, PEOPLE WITH MY SOCIAL SECURITY NUMBER, DL NUMBER, ADDRESS, HOME PHONE, JOB INFO, PAYMENTS & BANKING INFO

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I received notice from XXXX XXXX that my XXXX  credit report showed an increased balance due to Navient Student Loans. I called Navient to inquire how my balance had gone up. Their reply was that since I was again a student that my loan had automatically been deferred by the system. I explained to the customer service rep at Navient that I was never informed that I could defer my loan, that I never requested that my loan be deferred, and that I never authorized my loan to be deferred, additionally I wasn't notified by Navient or by the school that it had been deferred. I told the Navient rep that this wasn't ethical nor did I believe it to be legal. I have filed a complaint with the US Dept of Ed today. I refuse to pay the additional interest that I never agreed to pay nor did I request. I've been on auto pay out of my checking account for years and I have changed nothing in that regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute with XXXX referencing discrepancy in XXXX and XXXX reporting. In result Experian 24-month payment history remained pulling down XXXX Score which is 100 points less than all other consumer reports. I am unable to dispute account on-line for the attached account. 

On XX/XX/018 XXXX response to previous complaint. Acct XXXX is being correctly on consumer reports. Request to delete account was rejected and/or unanswered by XXXX, Experian, 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 explanation