BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-11
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: Information belongs to someone else

Complaint:
My identity was used to open a credit card through XXXX XXXX XXXX XXXX in the amount of {$300.00} opened on XX/XX/2013 by some unknown individual. XXXX XXXX XXXX XXXX  I assume was unable to contact me because I wasn't the individual involved and as a result sold this account to XXXX XXXX XXXX XXXX XXXX a debt collection agency. Recently I had two collection accounts negatively affecting my credit report and FICO score. I contacted all agencies involved concerning my files and after further discussion XXXX XXXX XXXX was kind enough to have all credit reporting agencies delete my files. However when I contacted XXXX XXXX XXXX XXXX several weeks ago they did not provide me with via mail : How the account was applied for, what transactions if any were made on the account, what identification was used to open the account, and/or the address used in the process. Because they didn't provide this information I was unable to file a police report with the City Of XXXX for identity theft. As of today this account is still showing negative on XXXX and Equifax credit reporting agencies adverse affecting my score. 


I truly believe that the government should take action and not allow banks or any other companies continue to open accounts on-line because identity theft has become prevalent in our community. This crime wave has caused numerous of hardships in America and was only enacted because of greed. Now organizations are offering fraud protection programs which is completely unnecessary if we get back to the old way of conducting because which is face to face contact with required identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: Santander Consumer USA Holdings 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:
SANTANDER CONSUMER USA is reporting information on my XXXX  XXXX and XXXX   credit report that is NOT MINE AND WILL NOT REMOVE Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid, was past due 90 days Status Updated XX/XX/XXXX Usage - Balance - Balance Updated XX/XX/XXXX Original Balance {$16000.00} Monthly Payment - Past Due Amount - Highest Balance - Terms 72 Months Responsibility Individual Your Statement - Comments -

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
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 a victim of identity theft. My personal information was compromised and fraudulent charges were included on my accounts without my consent or authorization. 

On XXXX I sent this company My letter which explained in detail what was fraudulent and needed removal from my file. I even attached the following documents to prove my case : 1. my Federal Trade Commission ID THEFT REPORT ID # XXXX 2.Proof of identity 3. Section 605B of the Fair Credit Reporting Act. 

But to my surprise, this company completely ignored me and is still reporting the following accounts with fraudulent charges on them : XXXX XXXX XXXX  XXXX, Opened Date XX/XX/XXXX, Limit {$550.00}, Date of Last Payment XX/XX/XXXX XXXX  XXXX XXXX  XXXX, Opened Date XX/XX/XXXX, Limit {$550.00}, Date of Last Payment XX/XX/XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, Opened Date XXXX XXXX, XXXX, Highest Balance {$27000.00}. 

Please note that this letter is My final written proof of my intent to reach out to this company before filing a lawsuit against them. Attached herewith is the documents I sent them in my earlier disputes with them for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
My letter dated XX/XX/2018. With application # XXXX was reported I was denied credit for subjective measures stated as ; 1. Monthly payments owed are too high relative to recent Wells Fargo deposits, and Remaining income after monthly debt payments is too low. 

I called to speak with Wells Fargo regarding these issues on subjective data measure decision making in regards to this application. When asked to objective measures they could not relay any. I again made reference to credit scores and objective measure which is used to determine credit worthiness were 1. on application was XXXX and 2. on Wells Fargo report was XXXX. These were provided as attachments. 

Again I asked for other objective measures which they could have used to make these credit decisions. Nothing was provided merely being transferred from one representative to representative. Nothing was provided accept y credit score of XXXX which is excellent. 

So I could only conclude that Wells Fargo uses discriminatory practices in determine the issuing of credit as for every objective matrix I had and was provided to me by Wells Fargo states I am an excellent history in using credit responsibly.

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 2020-06-26
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
In XXXX I filed a dispute for an account being reported, under the name XXXX XXXX XXXX XXXX for {$470.00} on my Equifax Credit Report. 

Today, XX/XX/XXXX I spoke with a Equifax and was told, first that their was a remark on file for the filed dispute. I said this dispute is a great deal beyond XXXX days and legally under the Fair Credit Reporting Act must be removed from my report, as the investigation was not completed, just acknowledged as " under investigation : in XXXX. 

Equifax then back tracked and said there was a mistake, there is no remark on file, but I can filed a dispute now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Because I was impacted by the Equifax hack, and my husband 's laptop was stolen, I want to take steps to make sure my identity isn't stolen. When I tried to get my free credit reports from XXXX on XX/XX/XXXX, it asks for my full social security number, which I didn't want to give, since the hack of Equifax exposed social security numbers. I tried to find out if I have a freeze on Equifax, but they wouldn't tell me without giving my full social security number when I called them on XX/XX/XXXX. I was able to verify my freezes with both XXXX and XXXX  without revealing my full social security number. Is there a way to around giving both XXXX and Equifax my full social security number?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
My account number with Hyundai for a lease of XXXX XXXX is : XXXX I paid a lot of money as my monthly payment as of sales tax and I was all the way regular in my payment. I returned the car with very good condition and I spoke to one of the repair people from a Hyundai Dealership and according to his feedback " The car was in very good condition '' but their inspector charged me {$180.00} dollar on minor issues and also they are charging another {$40.00} as a tax on the lease termination. 
I spoke to their finance department multiple times and they were threatening me to report these amounts to the collection department and credit bureau. 
I tried to speak to their manager and they didn't allow me to talk to their manager. 
I tried to get the address so that I can file a federal complaint but didn't get sufficient help. 

They behaved like thieves who want to take money out of peoples pocket.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: Riverwalk Financial Corporation
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I was never notified of this {$1700.00} debt and they had my most recent address on the credit reporting agencies as well as active mail forwarding when I relocated out of state. This debt was reported after I had moved out of state so my most recent address should have received any notification from the debt collectors that they had received a debt from the company. The debt went straight to my credit report, severely damaging my credit. I have tried to resolve this directing through the credit bureaus but with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
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: Information belongs to someone else

Complaint:
I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the equifax and XXXX data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to these XXXX XXXX XXXX XXXX XXXXXXXX mentioned accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX  and transunion have accounts on my credit report that are not mine/inaccurate. 

accounts : XXXX Account : XXXX Investigate Ownership : I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE DELETE. 
Creditor : XXXX XXXX Account : XXXX I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE DELETE. 
Creditor : XXXX XXXX Account : XXXX I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE DELETE. 
Creditor : XXXX XXXX Account : XXXX I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE DELETE

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 2019-01-02
Company: CITIBANK, N.A.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have requested paper work from citimortgage payment history from XX/XX/2005 to present with no avail. I was told by a company name XXXX XXXX  that they are now servicing my loan which I was not aware of. 

I requested for full payment history as well as pay off of loan to see all payments that involve prinicipal and interest estimated two weeks ago.. It was stated that it will be sent and it will not take long due to office being in area to ensure accurate information. It also appears my acct number is changed as well which concerns me being my main loan and this one is  80/20 loan harp modification loan. 

I made payment XX/XX/XXXX and was cashed by citimortg but XXXX XXXX states they don't have the payment from them. I have requested to citimortg to send them the payment as XXXX XXXX stated this is generally done but has not. 

I am frustrated because it appears that citimortgage have cashed this by my financial institution and payment for over a month now and may be causing me unnessary late fees and I want to ensure this is taken off my acct and reflected correctly.

I spoke to citimortgage and was transfer four times and spoke to someone name XXXX who continued to talk over me and instead of sending it to them has no real reason why they was holding monies who was supposed to be transfer to XXXX XXXX which was not. 

I requested for the agency that oversee mortgage lenders which is stated it was none which was not the case by the rep name XXXX. He needed additional training in all areas dealing with customers. 

Regardless of my serveral attempts to make sure my acct was rectified have no avail and would like this matter to be rectified and corrected with regards to any late fees and to ensure my modification and terms are honored. Thxs In advance any and all assistance is appreciated from your agency. 

Mrs. 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 2020-08-20
Company: National Credit Adjusters, LLC
State: WI
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:
Two collection accounts are reporting as 'Open '. The accounts should be reported as closed as of the last payment date. 

BOTH : National Credit Adjusters XXXX XXXX ( 12* ) : Last pay date XX/XX/XXXX, account balance {$0.00} XXXX  ( XXXX ) : Last pay date XX/XX/XXXX, account balance {$0.00} I have disputed this incorrect reporting with XXXX  on two different occasions : XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX Both disputes were closed as 'being reported correctly '.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Mr. Cooper Group Inc.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Mr Cooper continues to ignore me and not provide me VERY simple information about my mortgage. I have not been contacted about my earlier complaint. They have now also started calling and harassing my wife. EVERY singe person I have talked to, even supervisors, has given me verifiably wrong information. 

I am trying to figure out how to stop the Covid-19 relief that I needed. I can't get proper information on how much I will even owe on a partial claim. I was told one figure by a representative when I signed up for it, then I got a number that was double when I got the paperwork. 

Weeks later, I can't get any information on where the double payment from the estimate I had even came from. I can't get correct information about how to pay off the partial claim. They are simply harassing me and giving me false information and taking advantage of me during a very hard portion of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: Duncan Solutions, lnc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I began my move from XXXX to XXXX with a valid XXXX. In XX/XX/XXXX I received a notice of a toll violation in XXXX from a collection agency XXXX XXXX XXXX ( XXXX ) requesting payment in the amount of {$66.00}. Prior to the notice from XXXX I received no notice from XXXX DOT that there equipment failed to read my valid XXXX. I contacted XXXX when I received the notice and explained that I had a valid XXXX. They informed me that I would need to prove that my XXXX  was used during my move to XXXX. I sent them the requested documentation a week later. Today XX/XX/XXXX I received another notice that the timeframe to dispute the violation had expired. 
The actions of XXXX are unfair and their practice of threatening me with additional penalties and consequences are in my opinion illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX IL XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX {$5800.00} XXXX  XXXX XXXX {$3800.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$830.00} XXXX & XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$5000.00} XXXX & XXXX XXXX XXXX XXXX {$51.00} XXXX  XXXX  XXXX XXXX XXXX {$310000.00}. 

Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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 2023-01-19
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
They wouldn't accept my payments. Well Fargo kept sending the payments back. My mortgage was to far behind, had to sell my house it was about to go into foreclosure

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 2019-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
TransUnion has had my account frozen and ... '' In Dispute " ..for over 9 months. I can not even get a response. I am on hold till they obey the law

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 2020-11-12
Company: Phoenix Financial Services LLC
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:
Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company to update my credit report by deleting the negative, unverified, and inaccurate information from my file. My first letter was signed and received by them on XXXX/XXXX/2020. The negative item remains a collection, however, I received no letter, let alone proof validity. I then mailed a second validation letter, ( per USPS, it was signed for on XX/XX/XXXX20 ), asking them to prove to me how this negative, erroneous information belonged to me. I received a response stating they've, " reviewed the dispute and will not review again. '' I have given well over 30 days to respond to the validity of this debt with no proof in sight. How is it possible for them to continue reporting CLEARLY Unverified, Invalidated, AND Inaccurate information to my credit report? 

I am requesting this negative and unverified collection be deleted immediately. Once a deletion letter has been drafted, i would like a copy mailed to each of the three major credit bureaus. I am also requesting a physical copy of this deletion letter to be mailed to me directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: M&T BANK CORPORATION
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: Account information incorrect

Complaint:
My mortgage was sold to this company. I have late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. From the very first day, I have had issues with their mobile app. I have for the several months listed above had multiple issues adding a bank account and other issues. I have never had any late payments. I spend more time trying to add a new bank account and having payment returned because the system kept using my old bank information. I am completely frustrated and null to this company. I have asked them to sell my mortgage to another servicer and they have refused. I attempted a dispute to the credit bureau to no avail. I attempted to resolve the issue directly with this company and still no resolution.

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 2018-01-26
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
In the Fall of 2016 my car was repossessed due to late payments on my behalf from a friend 's house that I was staying at. At the time I was not able to afford the high interest on the car and the high payment of {$490.00}. I decided to let the car go and proceeded to get my belongings out of the vehicle. Upon arriving on the place where my car was secretly held, ( they did not let me know the location of the car until the day of collecting my items ), I noticed that some of the items in my car were missing from the vehicle. I asked the place who repossessed the car where these items were and I also asked XXXX XXXX but they both gave me no answer. Years later I have found myself financially stable so I gave them a call about possibly doing an arrangement for a pay for delete. They told me that it would not be removed from my credit until I paid the {$11000.00} in full within 24 months or I paid half of the amount off in one lump sum payment. I asked could I start to making payments on it, and he said I could but it would not be removed from my credit nor would the balance move until it would be paid in full. I was never sent any information of the car being sold nor the amount that they said I had left to pay. I called again today and they had the wrong address on file. The account # is XXXX

Company response to consumer: Closed with explanation