BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am upset that my credit file has never been corrected I've already informed you that my report has inaccurate accounts and unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX, XXXX ( XXXX ) /Capital One Services , LLC is attempting to collect a debt not owed for many reasons. I am requesting full deletion of the information being reported on my Consumer Report as well as the balance showing on any accounting ledgers associated with any derivation of my name which is my private DBA.

Please make note of the following discrepancies I will litigate/enforce if this is not removed from all collection efforts and accounting ledgers : 1. The alleged balance is not reported correctly on my Consumer Report. See attachments.

2. The alleged balance must be reported to the United States for collection of the obligation [ per 18 USC 8 ], not to me.

3. This reporting has not been permitted or ordered by any court, and is consequently being done in violation of [ 15 USC 1681b ]. Any agreements alleging to give permission to report or furnish a report are hereby rescinded for reason of a mistake being made under duress. 
4. The debt collector has no wet ink signature of mine showing any agreement to any obligation to engage with me for any reason. They do not have permission to have acquired my location information or any other pieces of Personal Identification Information. Any alleged permission obtained by my signature is hereby rescinded for reason of a mistake being made under duress. I do not wish to contract with XXXX XXXX XXXX, XXXX ( XXXX ) for any reasons. This is an official notice to cease and desist collection, and a request to delete all of my information completely from their internal record keeping systems, and any reports made by them in whole, on all applicable Consumer Reports.

Any failure to comply with this request will result in further Administration and Enforcement of federal regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: WELLS FARGO & COMPANY
State: TN
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:
Lender is reporting the account is in a forbearance in the comments section and status of all three credit reporting agencies.

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 2022-02-20
Company: Upgrade, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was first made aware of a " late payment '' via email in early XXXX of XXXX. I contacted Upgrade, and asked why is this happening because I'm enrolled in auto pay. I further found out, that the late payment amount was {$.00}. I was told by the representative, that this had to be an error on their end. I said " ok, but, how about you take the {$.00} just in case. '' I was told " NO! '' I then said, " take a XXXX, or XXXX or XXXX even, I don't care, I just don't want a late payment on my credit reports. '' I was assured that they would look into the matter. I finally received an email mid XXXX, stating that it was a mistake on their end and that, " I would be made whole. '' Now in mid XXXX, a late payment was reported to the credit bureaus for XXXX. This is now the third time they have made a report to the credit bureaus for the month of XXXX. Again, first, I am enrolled in auto pay and second, it's all over {$.00}. Last, I told them to take the money out of my account in the first place to avoid exactly this situation!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-07
Company: EQUIFAX, INC.
State: FL
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:
PLEASE BE ADVISED, I'VE BEEN A VICTIM OF IDENETY THEFT. XXXX SENT IN MULTIPLE REQUEST TO EQUIFAX WITH 605B, REQUESTING FRAUDULENT INFORMATION BE BLOCKED FROM MY REPORT. SOME USED MY INFORMATION TO GET MEDICAL CARE. EQUIFAX REFUSES TO BLOCK THIS INFORMATION FROM MY REPORT. EQUIFAX SAYS THEY WILL INVESTIGATE MY CLAIM. WELL I HAVE A PROBLEM WITH THIS. BECAUSE THIS HAS TAKEN OVER 30 DAYS. EQUIFAX HAS MULTIPLE ACCOUNTS REPORTING DOUBLE ON MY REPORT. I'VE ALSO ASKED TO SEE A SIGNED CONTRACT, BECAUSE IVE NEVER DONE BUSINESS WITH ANY OF THE COMPANIES EQUIFAX IS REPOERTING ON MY CREDIT FILE. THIS FRAUDULENT AND INACCURTE INFORMATION IS HINDERING ME FROM GETTING CREDIT. EQUIFAX KEEPS IGNORING MY REQUEST, I WILL JUST HAVE TO CONTACT MY ATTORNEY. BECAUSE THIS IS A VOLATION OF THE FCRA. I SEND WILL ALSO A COMPLAINT TO THE FTC, AND XXXX. 
AGAIN THE FOLLOWING ACCOUNTS ARE FRAUDULENT AND MUST BE BLOCKED.. 

XXXX XXXX SERVICES {$380.00} ACCT # XXXX ( .XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) {$1900.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} ACCT # XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) {$1900.00} ACCT # XXXX XXXX. XXXX {$1300.00} ( XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$42.00} ( XXXX XXXX ) XXXX XXXX {$42.00} ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: EQUIFAX, INC.
State: FL
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:
Here again with yet another account that is closed and was paid in full, but Equifax has just reported that in XX/XX/2021, the account is 60 days late. This account was closed and paid in full in XX/XX/2021. This account should no longer be receiving any updated information. Its CLOSED!!! Please correct this erroneous error immediately. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Chase Bank is once again reordering transactions in order to extract bank fees. I was never negative in my account however they somehow re ordered my transactions to make me over {$400.00} negative and issued a 21 day loan which they then took back 2 days early and refuse to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have 3 items on my credit 1 from a company called XXXX. Who claims I had a cell phone that I never purchased and never knew about. After supplying proof over the past 7 years and nothing has been removed from my credit. 
Also after opting out of Transunion reporting, Transunion lowered my credit score using old inaccurate information to punish me for opting out to lower my credit score by XXXX points. 
Also my score has been going up despite those items on my credit report prior to me opting out of the reporting practice of Transunion. 
I feel its an abuse of power and retaliation for my opting out of all prescreening and other marketing information being sent to me every day. Before I opted out of Transunion, my score was XXXX. Immediately after opting out, my score was lowered to XXXX. 
My credit score was just over the past 12 months has gone up while and despite those items being on my credit for years. Also my credit had already been adversely affected twice from those same items, so how many times can they drop my score for the same items. If I was penalized once for those item by dropping my score years ago. Why are they dropping my credit score again since I already was penalized for those inaccurate reporting? 
I feel its unfair reporting and retaliation for my opting out of there reporting system.

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 2019-08-07
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX and XXXX are reporting incorrectly a charge-off on the XXXX SB partial account number XXXX. ( Please see page 12 of the attached credit report. ) I have suffered from short term XXXX XXXX due to an XXXX during combat and I dont recall signing any sort of agreement to open this account. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30
Company: SUN WEST MORTGAGE COMPANY, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
sun west mortgage company is the holder of my first mortgage on my property. i went into forbearance due to layoff from covid shutdown. as i am coming out of forbearance they did present me with some options, one was a loan modification but they did not provide the documentation requested by my second mortgage holder for a subordination ( XXXXXXXX XXXX XXXX ). XXXX XXXX XXXX denied the request for subordination due to delinquency, but i was delinquent due to forbearance under the cares act and the second reason was that sun west did not provide the proper documentation. 

when the subordination was denied sun west immediately moved into the foreclosure process asking for {XXXX} due by XX/XX/2022. this is a federally backed loan by XXXX XXXX  and it is my understanding that federal backed loans will not be asked for payment in full i have made payments in full to both companies since my forbearance ended and am ready willing and able to continue making payments on my home but the current situation is i will be forced to have my home foreclosed on or sell if i do not take out another loan to cover the mortgage balance. 

something seems off here and i can not understand why both companies would rather see a foreclosure rather then just work something out and have me continue to make my payments. 

i think i need some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: EQUIFAX, INC.
State: MS
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:
XXXX XXXX, 2017 I was talking to a representative ( XXXX ) about an account that was duplicate. I also have a fraud alert on my credit and lenders are still able to pull my credit without my consent. I called the company to dispute the inquiry. The company told me to contact Equifax. I spoke to the company that has duplicate account on my Equifax report told me they sent Equifax a letter for removal. They sent me the same letter. Equifax still has not removed it. When I was on the phone with Equifax the lady hung up in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: General Motors Financial Company, Inc.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 I have reviewed my credit report and noticed some inaccurate and erroneous information. GM FINANCIAL is currently reporting a repossession along with late payments on my consumer report. According to 15 USC 1666b there is a billing error violation which there is no such thing as a late payment, 15 USC 1681s-2 and 15 USC 1681 have been violated. GM FINANCIAL are reporting Deceptive information on my credit report knowingly and willfully ( 15 usc 1681n ). This Information that this is reporting is damaging my consumer report and holding me back from financially providing for my new born daughter and family. Im trying to buy a house but got denied because of this negative, erroneous, and deceptive information reporting. 

ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: LoanCare, LLC
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX in my loan has been bought by LoanCare which is a terrible company to deal with along with the employee. They call me stating that I had a shortage due to the taxes going up in my area I made three separate payments on it in the last payment did not get applied so my mortgage went up I had to call the company several times and every time that I would speak to different representative they would tell me that they applied it which was never the case so LoanCare sends me out another statement saying that I have another shortage due to me changing Insurance Company the shortest was only supposed to be for {$360.00} they sent me a statement saying I owe them a shortage of {$420.00} which I have no clue on how they got the math because my last insurance was only {$870.00} for the year and my new insurance is only XXXX for the year. For the month of XXXX I paid an additional {$100.00} to go towards the {$360.00} shortage they did not apply and also told me that my loan monthly payment was a different amount because the first escrow shortage was n't paid which was incorrect. I have had to call LoanCare so many times and speak with so many different people they will tell you whatever it takes to get you off the phone and not seem to care at all about your loan nor your heart earn money so I spoke with a manager agent ID XXXX from LoanCare I just went on and made the full payment of the last escrow shortage that they told me I had in full so I would not continue to have headaches dealing with this company I really wish I can get my loan transferred to professional company I 've never had this many difficulties dealing with a mortgage company this telling me every other month I have a escrow shortage the mortgage banks already are robbing us blind we 're paying our homes off three times the amount that is worth just in intrest and it really should be against 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 2022-03-30
Company: Midwest Loan Services, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage through XXXX XXXX XXXX XXXX XXXX XXXX that is serviced through Midwest Loan Services. My loan was closed out on XXXX of XXXX. I have been in touch with them XXXX or 4 times about my escrow funds and have been told XXXX or XXXX different things about when I will receive my escrow funds. As of XX/XX/1922 business days I still have not received my funds. They have no tracking or check number of when or if they will arrive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: EQUIFAX, INC.
State: FL
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:
XXXX has been reporting false inquiries and accounts that I have no idea what they are and where they are from. I have sent a 609 letter and also tried the basic dispute process but no response. It has been on my report for months and is affecting my life and stopping me from getting a mortgage home loan, etc. I do not recognize any of the 3 inquiries and 1 account listed below XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/202XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been listed as XXXX twice after paying off the full balance through Synchrony Bank and Walmart. They have also reported the same account twice with different account numbers on my report with derogatory remarks after full payment.

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 2020-04-25
Company: AMERICAN EXPRESS COMPANY
State: VA
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:
XX/XX/2020 I have an American Express Blue card ending in XXXX. About a year ago, I noticed that Amex continued to charge me {$26.00} as a recurring charge for Amex Airflight and/or XXXX XXXX XXXX. When I noticed this charge, I called Amex who assured me the charge had been removed. My credit card is on auto-pay, but my husband happened to open the bill and notice the charge was still there for {$26.00}. 

I called Amex twice during the day to cancel the recurring charge and contest the past charges, which amounts to more than {$300.00} since I called last year. I was put on hold for a 1 hour and 20 minutes while being bounced around between Amex offices ; ultimately, the person at Amex hang up. I was then told then second time I called that the travel office was closed now. On the second call, the Amex sales rep ( who gave her name as " XXXX '', sales rep no. XXXX ) said she no authority to end the recurring charge and could not tell me when the Amex travel office would be open. 

Amex is engaging in consumer abuse, misconduct, and/or outright fraud by making it impossible to contest past charges from its corporate affiliate, Amex travel insurance. It's a shell game that most consumers will just give up on and end up paying Amex again and again for travel insurance. 

I ask that you investigate this conduct. Amex Travel Insurance should be able to be canceled and go through a contest process, just like any other charge. Refusing to do so breaches Amex 's obligations to consumers and federal and state consumer protection laws. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts appear on my credit report because someone has been using my personal information to try and obtain insurance.

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 2017-10-30
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Citibank and their attorneys have repeatedly provided false statements to me and the CFPB concerning Citibank 's access of my credit report. 

In the attached XXXX XXXX letter, Citibank denies accessing my personal credit report. 

In the attached email from XXXX, XXXX confirms Citibank repeatedly accessed my personal credit report. 

Citibank has repeatedly promised to stop sending me credit card offers. 

Citibank continues to send me credit card offers, and does so with the full knowledge that those offers will not be approved by Citibank. 

Citibank wo n't stop bothering me, wo n't stop accessing my credit reports, and wo n't stop sending me false offers of credit. 

I filed a JAMS arbitration case against Citibank to address these issues. Citibank refuses to pay their share of the JAMS ' fees so the case can proceed.

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