BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: AFNI INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Re Account XXXX afni, XXXX XXXX XXXX IL Anfi attempted to collect debt of {$45.00} they claim I owe XXXX. I requested details supporting the billing from anfi and they supplied support for credits in 2015 of {$63.00} but provided no support for debit balance of {$100.00}. <P/>No date or description of service supported the {$100.00}, just " prior balance '' I have requested support from anfi for the prior balance of {$100.00}. <P/>I am disputing the legitimacy of the XXXX/anfi billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: F.H. Cann & Associates, Inc.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have not received an accurate pay-off figure in writing for the debt I am being asked to pay. I have received a total balance demand with no supporting evidence of amount applied from Social Security garnishment or tax rebate applied, which was also garnished. 
Enclosed is all the information I have received. XXXX no longer has my account available on their website. I want to receive information in writing from FH Cann or the US Dept of Education. 

I sent a formal request for information using the sample letter provided from this web site on XX/XX/XXXX. I also asked in writing to receive all correspondence through the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: EQUIFAX, INC.
State: DE
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following account : XXXXXXXX XXXX XXXXXXXXBalance {$0.00} DEPT OF ED/XXXXBalance $ 0-Original amount : {$2700.00} DEPT OF ED/XXXXBalance $ 0-Original amount : {$3000.00} DEPT OF EDXXXX-XXXX-Balance $ XXXX-Original amount : {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04
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: Problem getting your free annual credit report

Complaint:
They are blocking me from getting my report and I do n't know why. And I have many hard inquiries from  XXXX  /  XXXX    XXXX   XXXX    XXXX  without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: NAVY FEDERAL CREDIT UNION
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Navy Federal Credit Union was processing an application to refinance my home loan. They are withdrawing my application due to the credit report expiration and an issue with debt to income per a voicemail I received XX/XX/XXXX. I submitted my loan application on XX/XX/XXXX. 
The company did not process my application in a timely manner and therefore the application is being withdrawn. I attempted making contact during this process by phone, voicemail, emails, and secure messaging on their site. 
Recently, I have left 2 voicemails on XX/XX/XXXX and XX/XX/XXXX in attempt to get more information about them withdrawing the application but no one has responded. 
I called and tried to get through 3 times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
I sent emails from my XXXX account ( a total of 28 messages traded from XX/XX/XXXX to XX/XX/XXXX ) many of which went unanswered for weeks on end. These emails went to : XXXX XXXX Mortgage Processor | Mortgage Lending Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXX, FL | XXXX NMLS # XXXX Email XXXX Phone : ( XXXX ) XXXX Extension : XXXX Fax : ( XXXX ) XXXX NavyFederal.org I also sent secure messages through their site that were never addressed ( XX/XX/XXXX, and XX/XX/XXXX ). 
I have spent at least {$800.00} so far on appraisal fees, credit reports, and termite inspections. 
I was supposed to be refinanced with Navy Federal Credit Union for a 15 year VA home loan at 3.5 % for XXXX. 
My current loan resides with XXXX XXXX ( balance approximately {$57000.00} ) and I have never been behind on payments ( this loan is a convention 30 year with an adjustable rate which I have been saddled with since XX/XX/XXXX ). My home also currently appraised at {$130000.00}. 
After I got off XXXX XXXX with the XXXX, I received a XXXX rating of XXXX XXXX through the VA which also exempts me from paying some of the loan fees. I got off XXXX XXXX XX/XX/XXXX and preceded to go to school while staying home with my children. I then was able to find employment with XXXX XXXX XXXX on XX/XX/XXXX and presently still work there. 
I hope I have given all the pertinent information and look forward to finding a resolution to my complaint. Thank you for your time. XXXX XXXX cell XXXX, my employer XXXX XXXX XXXX.XXXX My address is : XXXX XXXX XXXX XXXX XXXX, NE XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX ( ca n't remember exact date ) I called XXXX for the 6th time this month to report that fraudulent activity was going on with my account. Somehow I kept getting inquires added to my account that I was not authorizing. I thought that maybe this could have been from the data breach that was going on. I have XXXX inquires that I did not authorize. After being on hold and hung up on numerous times I finally got one of the rudest people ever. I informed the rep that I had already reached out to most of the creditors and that all they told me was they would dispute but it would be best to call the credit bureaus to have them delete the inquires since it was affecting my credit score and because I did not authorize. The rep basically told me I was liar, made me feel XXXX, belittled me, and would not transfer me to a different rep or management. He wouldnt even give me his name to make a complaint on him. I informed him all I wanted was all inquires deleted off my account because I NEVER made any of them and that my score drastically decreased because of it. I had never felt so belittled in my life. After listening to this rep make me feel like a complete XXXX and that I was doing something wrong I ask to speak to a manager this rep  actually told me he refused to transfer me because I was a liar and no one could do anything for me. I never in my life felt the way this rep made me feel and it made me hate XXXX for it. All I wanted was some unauthorized inquires deleted. That 's it!!

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 2021-06-11
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Received letter from Attorney XXXX XXXX XXXX stating that a lawsuit has been filed. American Express Index XXXX. 

I have not received anything about this. I called the County Court and was told that an incomplete summons was filed. This was apparently filed by XXXX debt buyer attorneys. I have never received any information regarding anything from this XXXX at all. Their website is extremely frightening and confusing to the consumer filled with legal terms that the average consumer does not understand. Hence, I am contacting CFPB for help. 
I have been paying americian express on my fixed income. Why am I being threatened by a lawsuit when I have been paying? I do not understand. I am a senior citizen on a fixed income and am doing my best. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
On XX/XX/2022, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt, and anybody can send a bill and and say it's mine. According to the FCRA, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

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 2017-10-03
Company: EQUIFAX, INC.
State: AL
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 have informed all of the credit agencies that the XXXX XXXX XXXX XXXX Account that the late reporting on my credit file is reporting in error. I was never late on this account. Please help me to get this inaccurate information removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have informed XXXX and Transunion that the XXXX XXXX was never late in 2014. I have had a difficult time trying to get Transunion and XXXX to to remove this inaccurate information from my credit file. Please assist me in getting this account removed from my credit file.

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 2017-12-26
Company: JPMORGAN CHASE & CO.
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 BANK XXXX {$140.00} {$200.00} 71 % Revolving Negative XXXX XXXX, XXXX CHASE AUTO XXXX {$12000.00} - - Installment Negative XXXX XXXX, XXXX CHASE CARD XXXX {$940.00} {$700.00} 135 % Revolving Negative XXXX XXXX, XXXX CHASE CARD XXXX {$940.00} {$700.00} 134 % Revolving Negative XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} {$400.00} 0 % Revolving Negative XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I asked the citi bank how I could get my account unlocked they said you have to wait for a reference letter in the mail then call back I got the letter called back they said you need another letter call back I called back they gave me the runaround with different departments I spoke to someone she said she took the block off I waited a hour blocked still called back on hold for three hours said go to the branch there not doing it went on for three weeks

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 2017-10-03
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My loan with XXXX XXXX was paid off in full on XXXX XXXX by XXXX XXXX. 

XXXX XXXX received an extra mortgage payment from me in the amount of {$3100.00} on XXXX XXXX and is refusing to return that payment to me in a timely fashion - they had promised it would be sent within 10 business days and is now informing me that it 'might be in the mail '. It is beyond the 10th business day and they are stating they are holding the amount 'just in case the check does n't clear '. 

I have ALREADY been informed that the loan has been repaid by a letter from them, and that a Full Reconveyance will be sent directly to the County Recorder. 

I believe XXXX XXXX is holding my funds in violation of terms and conditions of my paid-off loan and should pay interest to me for the amount they are holding from 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 explanation
Consumer complaint received 2017-10-03
Company: Movement Mortgage LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I closed on a home in early XX/XX/XXXX and everything was understood to be under escrow. I live in a state mandate to have windstorm insurance as well as home owners insurance. So seven months later i was effected by hurricane Harvey and withstood peorsonal property damage which should have been cover by the windstorm insurance. Damages ranging from my entire fencing around my property being blown away and my shed being blown away. Now come to find out i never had windstorm insurance ( reminder it is mandatory to have to close ) so all of my damages have so far had to be repaired out of pocket. I know that my morgage loan was purchased by a different morgage company but none the less it was between the title company and the morgage company to determine mlwhat coverages i needed after i set them up with my insurance company. Everyone i talk to us just pointing the finger to different companies and no one wants to take the blame. All i know is someone dropped the ball between morgage, title and insurance company and they should be liable to cover my damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The lender is in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( ii ) due to actively proceeding to foreclosure sale set for XX/XX/XXXX ( Dual tracking ) while actively reviewing the file for loss mitigation ( loan  modification ) review. The lender was sent a loss mitigation application on XX/XX/XXXX and again on XX/XX/XXXX - the lender stated they never received the application sent on XX/XX/XXXX - We were advised of missing docs for the review as of XX/XX/XXXX and provided the missing items for the review as of XX/XX/XXXX on XX/XX/XXXX they advised all information needed for this review was provided and the file was sent to underwriting - we called for an update to the review as of XX/XX/XXXX - we were advised at this time the file was active litigation and all correspondences need to go through XXXX Atty. Up until this date we were provided all information on this file - Nothing has changed on this file to deem it a litigation file - We feel the lender is stalling this review so the sale date can proceed - we contact the XXXX atty ( XXXX XXXX, XXXX / XXXX XXXX XXXX - XXXX ) - this XXXX advised they know nothing about the XXXX proceedings they handle litigation. No one will provide us with an update or a postponement of the XXXX sale set for XX/XX/XXXX - we feel the lender is not willing to work with the client and has failed to do a complete and accurate review of the file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Hello, An account that did not belong to me was sent to collections, I paid the collections agency so that it would not hinder my credit. However, the collections agency reported it to the XXXX credit monitoring agencies. 

I have a letter from the collections agency stating that since it was paid the account will not be reported. Using this info I disputed all three credit monitoring agencies. 

XXXX and XXXX conducted an inquiry and promptly removed it from my credit report. 

Transunion however will not do anything about it and no matter how many times I dispute it, I don't receive any communication back from Transunion. Transunion 's website is not user-friendly enough to an extent that it discourages people from disputing an error om the report. I don't believe Transunion conducted any kind of inquiry and instead only interested in selling tools to improve credit. 

Thank you, 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 2021-06-11
Company: Security Credit Services, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter to Security Credit Services on XX/XX/2021 requesting verification of a supposed debt being collected by Security Credit Services. I have yet to receive any documentation verifying this debt as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: U.S. BANCORP
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My father received a call from a " XXXX XXXX '', he returned the call at XXXX XXXX XXXX XXXX and spoke with a " XXXX XXXX '' about a debt I apparently owed. I called and was informed the company was " XXXX. XXXX '' or " XXXX Services '' in Nevada. I spoke to " XXXX '' who referenced my social security number and an old account number at U.S. Bank. including dates that the account was open ( XXXX which seems correct XXXX, closed and when it was sold to collections ( XXXX ). This is the first I have ever heard of any collection issue with the account. He informed that it 'd be reported to XXXX XXXX who would freeze all my checking accounts. I later spoke with a friend at U.S. Bank who did not even show the account as charged off. I also looked up to WA state statute of limitations. When I called " XXXX '' back to inform him that even if the debt did exist it would be time-barred given the state law, he threatened to take it to court.

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