BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-01
Company: EQUIFAX, INC.
State: CA
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 am in receipt of a current credit report of which questionably suggests that I now or in past have owed you something, yet there is nothing that substantiates your reporting or claim thereof so I demand that you dismiss all claims and eradicate any injurious reporting ( s ) versus me, particularly if currently reported item ( s ) are potentially deficient of the mandatory document evidence of physically verified factual proof of the truth of claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility else wise of the reporting, and or the complete and perfect certified XXXX XXXX format reporting standard ( s ). I demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer much less me! Particularly removed is your right to act in dereliction as you hold me under threat of financial and or creditworthiness injury ( ies ). I here now DEMAND that if you are unwilling or unable to do as requested, as demanded, and as otherwise mandatory to retain or regain compliance of reporting no later than 20 days from your receipt of this lawful notice of consumer complaint that you immediately and forevermore thereafter cease any and all derogatory and or injurious actions versus me, to include but not limited to the foul actions to report and or collect unverified, untrue, invalid, or else wise not certifiably compliant claim ( s ) and or debt ( s ). Let it be in clarity that I am well aware of the FACT that absent legal authority or a written agreement between us that you can not force me to conduct any business interaction ( s ) with you and I will NOT! Certainly if you elect still to injure me, even to the slightest, it undoubtedly would be a show of merciless harassment or even willful extortion, a CRIMINAL OFFENSE in my state of residence! Any such behavior will directly or indirectly lead me to act accordingly, so please rectify your chicanery-laden subterfuge as alleged on my current consumer credit profile history by eradication and or removal from reporting the delinquently reported item ( s )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I reported over and over through online dispute and actually calling reporting to live person that no accounts open or closed are late no missed payments no account not being paid on time the very opposite also they have 7 hard inquiries only 3 are valid the other 4 are pre approved soft inquiries my credit file is locked still hard inquiries my credit is unlocked same I also put a fraud alert and still hard inquiries are resulting and the companies continue to solicit with very word pre qualified pre approved how could this be that is all 3 b

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 2018-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 a victim of identity theft, someone applied two times for a XXXX XXXX credit card and i ask TransUnion to removed it from my credit report because they are fraudulent hard inquiries but they refused. I received a letter from XXXX XXXX letting me know they have told TransUnion to remove both of the fraudulent hard inquiries from my credit report but nothing has happen yet. This is a very serious matter, Im very frustrated and TransUnion won't help me fix it. Please remove XXXX  XX/XX/XXXX and XXXX  XX/XX/XXXX from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-02
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: Their investigation did not fix an error on your report

Complaint:
XXXX  did not delete inaccurate reporting by XXXX XXXX XXXX  of a charge off in the amount if {$1.00}. This charge off was reversed and the account was reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The three credit reporting companies had confused my identity with my brothers because we have similar first name and last name and we live in the same household.However we have different date of birth and social security number. XXXX has resolved the issues but Equifax and XXXX still confusing our identity. 

I can not access Equifax because it can't identity me with my social security and date of birth.When I try to login, they either can't find me in the system or they confuse my credit report with my brothers. So when I input my information they take me to my brothers credit report. 

XXXX has my brothers credit report and my credit report combined together. There are accounts that belong to my brother and there are accounts that belong to me but however XXXX   has all information incorrect. They have my brothers date of birth and name on my report when I try to pull the report with my social security and date of birth. 

Example of Personal Information displayed in XXXX which is incorrect : Name XXXX XXXX  XXXX Also Known As XXXX XXXX  XXXX XXXX XXXX Birth Year XXXX Employer ( s ) XXXX Address ( es ) XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Statements Personal Statement ( s ) No Statement ( s ) present at this time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-18
Company: WELLS FARGO & COMPANY
State: NJ
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:
This is a corporate credit card. They agreed to remove as it was not my fault it wasnt paid as the amount was so large it required executive level sign off. It went on my credit and its not my card its the company card used for corporate travel. I no longer work for the company and it continues to hinder/ruin my credit. 
I have contacted the company and they said they would remove it and have failed to do so. They were reporting it unpaid for the longest time and i had to dispute that as well. The finally marked it paid but refuse to remove it after stating they would.

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 2017-11-20
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I live in a hurricane disaster area from Irma in XXXX XXXX XXXX. I contacted my mortgage servicing company, LoanCare, to discuss options as there was some damage to my house. First, I called them several times and they said they would call me back and never did. Then, they told me that that would move the next 3 payments until the end of the mortgage period and they would send me some forms to fill out, but I never received anything. I received a threatening letter because my payment was a little late after being told about the three months so I called back. I was told that there was nothing at all in the notes and that option was not available. I have had to call dozens of times and spoke to moss mitigation repeatedly, but I still have no idea what is going on there. I always get transferred to an employee who never answers any calls and never returns messages. I have spent more than 12 hours trying to get a straight answer but I still have nothing to show for that. They love to play transfer games until the person/department who you need to speak to is gone for the day. This company has no business servicing mortgages and shows no respect to their mortgagees.

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 2018-12-04
Company: Ditech Financial LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have lived in our home for 17 years. We've had financial problems in the past, and did a few modifications over the years. Nothing was done about lowering our 9.125 % interest rate, until XX/XX/XXXX. It was lowered to 8.125 %. That made our Mortgage Payments go up by {$100.00} dollars, and stretched our loan to 51 years! We were waiting for my wife to be approved for XXXX, and she was approved in XX/XX/XXXX. Which will allow us to make our mortgage payments. We have a XXXX XXXX RESPA Loan, and we've had several mortgage servicing companies. The latest being DITECH. They have only hurt us when asking for lower interest rate, and adding our past due to the end of our mortgage. We needed help, not hurting us by, NOT lowering our interest rate. And adding large sums of money to the end of our mortgage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: Bass & Associates, P.C., Attorneys at Law
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Below please find a copy of an email recently sent to the lender. 
As you may understand, student loans can be barriers to many things as they have an extremely adverse effect on ones credit. I would like more than anything to pay the amount off or begin making payments - but I can not because this organization will not answer the telephone. 
I encourage anyone in your office to try to make contact with Bass & Associatee, PC via traditional means and you will see that it is impossible. 

Any assistance you can provide will be very much appreciated. 

-Thank you I have been forced to write this email as numerous attempts to contact your organization via telephone have been unsuccessful. 

As recently as a few moments ago, my constant calls to your office have been ignored. There has been no option to speak with a person or leave a message, the only option is to be placed on hold for up to an hour or longer. 

This is unacceptable. 

The loan on question has had a significant and large, extremely negative impact on my life including my ability to rent a place to live. 

I am trying very hard to rectify this loan via payments ( installments or lump sum ) but I keep hitting a dead end due to your willful reluctance to call me, a person who should be treated as a paying customer. 

I request to be provided with a working telephone number of someone I can contact regarding this issue. 

A copy of this email will be forwarded to the Ombudsperson and to any overseeing entities which regulate the loan servicing industry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
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: Public record information inaccurate

Complaint:
on XX/XX/XXXX, i contacted XXXX XXXX. regarding there ability to not update XXXX  about the debt that is not belonging to me. I spoke to XXXX a Representative, then spoke to Supervisor by XXXX, in which she in formed me they had removed this debt and sent info to the credit reporting agencies. On XX/XX/XXXX i called back and spoke to a rep XXXX, and let her know i never received the letter in the mail, the letter they were supposed to send to me regarding the removal, XXXX on my credit reports. on XX/XX/XXXX i faxed over a copy of a police report # XXXX, regarding my identity theft, along with a letter requesting removal and a copy of my security card to XXXX at XXXX from XXXX XXXX at XXXX from fax # XXXX store tel. # XXXX Ser # XXXX. this is the conformation that the faxed had been received. This Creditor along with as follows : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. has not been properly removed or updated wtih XXXX or expirain but had been updated and removed as of XX/XX/XXXX with XXXX credit bureau. on XX/XX/XXXX i spoke to Deputy XXXX XXXX ( XXXX ) XXXX ext XXXX with the XXXX Ohio Sheriff Department whom was present when a call was placed on speaker with XXXX, in which the representative, XXXX stated they will remove from report and send letter to support actions.

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 2021-03-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I remember losing my wallet a few years back. I recently was looking to get a house with my husband. The lender told me that I had some accounts on my credit profile that needed attention. They listed a few of them and I do not recognize them at all. On XX/XX/XXXX, I pull my credit to see what they were talking about and come to find that those accounts were not authorized by myself. I contacted the credit bureaus to inform them of the incident and they told me to reach out to the FTC and get a report drafted from them. I have attached the FTC report along with my Driver 's License.

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 2021-05-23
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband had a reduction of pay due to COVID by the State of CA and the pay cuts are still being decided upon. 

We decided to refinance the house in my name only because of his issues with Student Loan. 
The original loan for the house is with NFCU and is with XXXX XXXX in my husband 's name only. 
We explained this to NFCU when we were obtaining our loan. 

NFCU then refused to honor the 2.5 % after they neglected the loan that would have been part of the CARES ACT, we would have refinanced the loan in my name doe eliminate the student loan issues of forebarence. 

Therefore NFCU needs to honor the 2.5 % by either adjusting my husband 's loan to 2.5 % or putting the loan in my name at 2.5 %.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a letter from Citizens One Personal Loans dated XX/XX/2021. The letter was addressed to my maiden name and my physical address, not my current name and mailing address. The letter reads : " We have not received your monthly payment or {$450.00} that was due on XX/XX/2021 on your Citizens One account for ending in XXXX. 
To keep your account current please visit www.service.citizensone.com or call us at XXXX to make a payment or to update your payment information. We are available 24 hours a day, 7days a week. 
Thank you for your business and your prompt attention to this matter. 
Sincerely, Citizens One Important Notice : We may report information about your account to credit reporting agencies. Late Payments, missed payments, or other defaults on your account may be reflected in your credit report. '' I do not have an account with Citizens One. I checked my credit report immediately to make sure that Citizens One is not showing on it. 

I attempted to call the number listed in the letter and got a recording stating " if you received a letter concerning a late payment that you believe to be in error, no further action is needed '' and then asked me to stay on the line to speak to someone about existing accounts. I was on hold for a very long time and was never connected to a representative. I attempted the call several more times, again staying on hold for a very long time and never being connected. I then went to the website listed, which is only a login page for accounts that states " Our eCustomer Services portal is available for you 24/7. '' but there is no eCustomer Services portal link available ( unless that login page is it ). I went to the main Citizens One website, as well as their parent website ( Citizens Bank ) and found no information pertaining to letters being sent in error. 

I went to Citizens One XXXX page and found other people complaining about receiving the same letter and not being able to get through to any representatives. 

Further action IS needed. Was there a data breach? Has their system been hacked? Did someone take out an account in my name? We, as consumers, need more information than just " no further action is needed ''. We need to be aware of any issues that could lead to our data being compromised so that we can take the proper steps to protect ourselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
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: Their investigation did not fix an error on your report

Complaint:
I submitted an official FTC Identity theft report to all three credit bureaus ( XXXX   Equifax, and XXXX ). I sent in my FTC ID Theft report, Local Police report, id, detailed letter, and all other documents stated necessary in the FCRA 605B. The documents were confirmed received on Tuesday XX/XX/2019 and signed at the USPS post office by someone named XXXX XXXX. 

In the detailed letter I included multiple accounts that were reporting on my credit history due to identity theft. Per the FCRA 605B, those items requested should be blocked as long as I met all the document requirements within 4 business days after the receipt of said documents. The FCRA 605B ( included in the attachments here ) specifically lists the documents that need to be submitted. I sent in all of those documents and they were received. HOWEVER, when I called XXXX on Monday XX/XX/2019 to check the status on the request, the Fraud department specialist, XXXX, let me know that the documents I sent in did not meet their INTERNAL requirements. When I asked her what she meant. She explained that even though the FCRA has their guidelines and documents listed in their 605B, the credit bureaus have their own internal requirements that have to be met. She proceeded to let me know that if those internal requirements are not met, it doesn't matter what the FCRA says. I asked her to let me know what " requirements '' I did not meet and she said that it is internal and she can not disclose what they are. I reiterated that I sent EVERYTHING per the FTC and FCRA, and she said that eventhough that is true, I didn't meet their internal requirements. I asked her multiple times to please tell me what they are, and she refused. Those fraudulent accounts were supposed to be removed on Monday XX/XX/2019 ( today ) and she let me know that Transunion will not block them because I didn't meet those requirements, and instead are doing regular disputes that will take 30 days to respond. 

I submitted EVERY document the FCRA mentioned. This is ridiculous that, even though she didn't SAY it, she implied that they are above the FCRA. They need to block those accounts in the list I sent them IMMEDIATELY. TODAY is the last day per the FCRA. It is ridiculous that they are shrugging it off as a normal " dispute '' when they don't want to tell me what the " requirements '' i didn't meet are! 

The same applies to XXXX AND EQUIFAX. I haven't spoken to them on the phone, but I checked my credit report for both of them today and the information has not been updated per the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-18
Company: CITIBANK, N.A.
State: NJ
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:
This is a corporate credit card. They agreed to remove as it was not my fault it wasnt paid as the amount was so large it required executive level sign off. It went on my credit and its not my card its the company card used for corporate travel. I no longer work for the company and it continues to hinder/ruin my credit. 
I have contacted the company and they said they would remove it and have failed to do so. They were reporting it unpaid for the longest time and i had to dispute that as well. The finally marked it paid but refuse to remove it after stating they would.

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