BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-22
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 recently looked over my credit report and I noticed some false accounts that were reported on my credit file. These derogatory accounts do not belong to me and I have no memory of these accounts. I have no idea who or how someone could have access to my credit report. Now because of these accounts, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off 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 non-monetary relief
Consumer complaint received 2022-04-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My company called XXXX XXXX, sent me an email saying that someone was trying to open an account in my name. The company is called XXXX XXXX, XXXX, the credit company that reported it was Experian. I have never heard of this company. They told me to file a complaint with XXXX XXXX XXXXXXXX. This is what I am doing. I will then look for the number 1 Identity theft protection plan.

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 2019-07-15
Company: EQUIFAX, INC.
State: GA
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:
My account with XXXX XXXX XXXX was included in bankruptcy which was discharged in 2015. Bankruptcy has since been removed from my report. However, XXXX XXXX XXXX shows that I owe a balance of {$200.00} and is 120+ days past due. Again, this was included in bankruptcy. I have since received the title to the car and sold the car. I have disputed this with Equifax at least 4 times. It will come off my report for a few months and then reappear. It needs to be permanently removed from all reporting. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: ECMC GROUP, 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:
XXXX  has been non-compliant with removing the unverified account ECMC which has been deleted by XXXX and XXXX. XXXX   and XXXX have both completed their research and determined that ECMC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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 sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

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 2023-09-29
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Someone tried to open an XXXX card in my name. It was not me and now the inquiry is on my credit and is damaging to my credit. Please help me by removing this fraudulent inquiry. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-08-23
Company: EQUIFAX, INC.
State: VA
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:
Equifax refuses to honor my rights under the Fair Credit Reporting Act. Equifax has failed to provide a written update within 45 days as required. There are XXXX accounts appearing on my credit report that should not be there. Specifically, there are XXXX XXXX XXXX XXXX and XXXX XXXX account. These accounts are not mine. The details reported around balance and payment history do not belong to me. Despite reaching out the credit reporting reporting agency more than 16 times, they have not taken the required action or complied with regulatory requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
We were pre approved for XXXX$ by freedom mortgage on XX/XX/2019. 1 week before my closing date which was set for XX/XX/2019 they decided to wait to 2 weeks to tell us that the loan was not completed but if we go through the process that our new settlement would be XX/XX/XXXX. they were missing documents that our previous agent already had but did not forward to the new loan officer XXXX XXXX. They needed these documents because apparently we didnt have a loan at all and that we essentially needed to do the pre approval / loan over again as we were under the assumption this whole time that we were pre approved and granted the loan preparing to move in. That was not the case. My wife had to contact them to find all of this out at the last second. They claimed to have tried to contact us via phone, there number comes up as a scam also they never once called from a freedom mortgage line. Thankfully the sellers extended our closing date by a week. Throughout this whole extra time they stated we needed additional information and guaranteed us that once these items were cleared we were able to close. We have been very responsive in which any documents needed and promptly had it sent over. Freedom mortgage continued to push that it was "one thing than CD would be issued".  Another week passes and they (the sellers) grant us another week till closing. Again still no loan still no answers. The agent even sent over private information to the sellers agent without our approval. Now its XX/XX/2019 and now I have no pre approval, no home loan, and no house because I sold the previous one because I was PRE APPROVED. Had to go through atleast 6 agents including XXXX the VP of Sales, XXXX XXXX VP of Sales, XXXX XXXX, XXXX XXXX, XXXX XXXX not including the underwriter for this to happen and yet we were told me was "theres nothing we can do for you sir". We even asked if we do not approve this loan, what do we approve for. Again, they stated we do not qualify for anything. We have had complete disrespect. Not once did they acknowledge that I'm a veteran. We are a family of five with XXXX young children now homeless without a loan, lost our potential home, and yet nothing to assist from their mistake and misleading information. Please help as I wish for this not to happen to another veteran, we go through enough stress as it is.

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 2023-10-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am the person making this complaint & I give CFPB authority to investigate this claim. After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 
Below are the errors I have identified : XXXX XXXX XXXXXXXX XXXX-Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX-Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX-Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XX/XX/XXXX I paid my XXXX credit card off as agreed and they still have refused to remove it from my credit report after being told that they would over the phone. I have made disputes and it is still there. Also, I am unaware of Capital One Auto inquiry on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: General Motors Financial Company, Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I paid the car off on XX/XX/2018, the finance company was GM Financial, There was an overpayment of about $ 130+ I got a letter from GM Financial stating the loan was paid off and I got a payoff letter along with the paid contract, but NO refund check, they said I would get that latter before 30 days. They say they mailed it out at the 30 day mark, but over a week later I still do not have my refund. If I am late with my payments, they charge me a 30 day late fee, and they submit my error on my credit report. I called and asked why I do not have my refund and was told it can take 2 weeks in the mail, I can not see why this takes that long, I dont believe they mailed the check, and if they did, it only takes about 3 business days at the most. This is ridicules.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Bridgecrest Acceptance Corporation
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: Account information incorrect

Complaint:
I have been writing letters since XX/XX/2021 and I never got a response. Payment history is wrongly being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Nudge Funding, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The originator for my re-finance is taking an extraordinary amount of time to complete the process. It is now at 104 days after having submitted my paper work to initiate the refinance and the originator has missed several planned re-finance completion deadlines that they have scheduled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife & I signed a note with XXXX XXXX XXXX. We borrowed {$180000.00}, which was to be paid in 240 months ( 20-year loan in XX/XX/XXXX. We are current on our payments, have struggled at times, enough to get a 2nd Mortgage ( {$12000.00} ), in order to not have the home foreclosed upon.

In XX/XX/XXXX and XX/XX/XXXX, fully expecting to have a year or so left before the home was ours free and clear. Wells Fargo, the current holder of the mortgage, printed us a " statement '' of sorts, that said we still had a balance of {$120000.00}, and 13 more years to pay it over. 
Both Wells Fargo and ourselves have been doing research on this loan to see what would cause this issue. Each time they send us a BLANK Loan Modification, that would extend our loan into XX/XX/XXXX.  This " Loan Modification '' has 0 signatures from anyone a XXXX XXXX XXXX XXXX - whom Wells Fargo purchased, nor any signatures of my wife and me agreeing that we wanted to do this Loan Modification. We obtained a 2nd Mortgage for the past due balance outstanding and satisfied the foreclosure, and did not sign to extend our loan 13 more years. Today this is still their stand and final answer.

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 2018-08-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
REQUEST FOR VALIDATION OF DEBT Dear Portfolio Recovery, Your letters was received on XX/XX/2017 alleging that I owe a three debt to an original creditor named XXXX XXXX Im not aware of this accounts You are reporting XXXX XXXX in collections with your organization. I am unaware of any contract creating an obligation or indebtedness to XXXX XXXX or Portfolio Recovery.

So that I may further assist you, I am requesting that you validate the debt. Validation differs from verification, whereas I am challenging the authenticity of debt you are attempting to collect. Provide me with a true copy of the authenticated contract with my signature at the address provided above. 

NOTICE OF DISPUTE I am disputing the principle and any interest of the alleged debt obligation and I am disputing any outstanding balance owed by us. Please update the record with XXXX, XXXX, and XXXX that the principle, of this debt is in dispute. 

Please correct the records with XXXX, to reflect that the principle is in dispute. If you are unable to validate the information within 30 days, the account must be deleted. This debt is considered to be invalid until I receive the contract, requested at the addresses provided above.

Please note the following : Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Capital one is unfairly charging interests even if the bill is paid in full. No other credit card companies pull this type of scam on consumers. Capital one needs to be investigated by the government for these unfair interest charge scams.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-18
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: Investigation took more than 30 days

Complaint:
I recently sent disputes letters to Equifax, and XXXX on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: U.S. BANCORP
State: UNITED STATES MINOR OUTLYING ISLANDS
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:
The requested was to complete a research paper the requirements were given accordingly. 
1- deadline was not met 2-Attempted to rectify with merchant via asking to speak with a manager.

3 research did not coincide with subject matter.

4 Verified deadline not met therefore whatever was submitted it needed to be correct therefore it would be no need for submission One minute past the deadline is late let alone 3 hours as shown. The bank stating that services were rendered but if I cant use the services AND IT WAS NOT COINCIDING WITH REQUIREMENTS. I tried to speak with the manager and left several messages. I was even told it would refunded but it was not. Yet here I am still trying to get my money back when it is part of their policy. yet their actions do not fulfill my monies in my account nor did it help by submitting the documents late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I called Equifax Credit Bureau regarding an item on my credit report being removed. The customer service rep told me that the account in question, a XXXX XXXX loan from the year XXXX, was closed and would fall off my credit report XX/XX/XXXX. I called again on XX/XX/XXXX as the item was still on my credit, I was told the XXXX account was still open and would not fall off, this despite the fact I was on the Equifax website and could see the account listed as closed. I asked to speak to a supervisor, I was on hold for 32 minutes and then I was disconnected. I called back on XX/XX/XXXX, spent 50 minutes re-explaining the situation and having the rep re-investigate my concern. He confirmed the account was closed but couldnt explain why it wasnt removed. I asked to speak to a supervisor, one wasnt available and he told me a supervisor would call me back within 15 minutes, they never called. I called again on XX/XX/XXXX spent 45 minutes explaining again, rep confirmed the same information as the last one. He asked if I wanted him to file a dispute with XXXX I had already told him that Ive been disputing this for the past seven years with no luck it was as if this rep had not really been listening to my concern. I told him that per the Fair Credit Act if a creditor lists an account as closed, it shows on the credit reporting bureaus as closed and it has been on the account for seven years it should be removed BY THE CREDIT REPORTING bureau. I also informed him the other two bureaus have already removed the item from my credit without me having to call and waste endless hours on the phone with them, I asked to speak to a supervisor and was disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: First Technology Federal Credit Union
State: WA
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:
Prior to XX/XX/2020 : Perfect credit score, no issue ever recorded, score XXXX XX/XX/2020 : Open a new credit card with First tech over the phone and have them setup automatic payments from my savings account. 

XX/XX/2020 : Make a {$14.00} charge on the card, due date XX/XX/2020 XXXX : Since I had not been contacted about a late payment I had assumed the auto pay was working correctly. Use the card again for {$27.00} with due date of XX/XX/2020 XX/XX/XXXX : First tech contacts me to tell me that I have a late payment. I immediately pay the full balance, confused why the auto pay was not working. At this point they have already charged me a late fee of {$14.00} for the original XXXX charge AND reported the over 30 day late fee to the credit bureau. Credit score now XXXX ( an ~100 point decrease ) All of my other credit cards are on auto pay so I had the same setup with this card I received from first tech. For some reason first tech failed to properly setup auto pay and as a result tarnished my perfect credit history. I believe they intentionally did this and waited until after the fee was charged so that they could profit from the fees charged to me. When I applied for mortgage, my lender informed me that he had the exact same thing happen to him with First Tech. He had setup auto pay over the phone and they conveniently failed to set it up, resulting in a massive credit drop and a late fee paid to First Tech. 

First tech has been notoriously bad for reversing fees even when the charge was a result of their mistake. This leads me to believe that they are not operating with good intentions and are trying to maximize profit through extra fees at the expense of the customer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
Two accounts have been charged off and closed and in the balance section of my credit report should be {$0.00}. This is causing the balance that I owe to my creditors to be incorrect. Which is causing my debt to income ratio to reflect incorrectly as well. 

1st account-Firm/ Ident code- XXXX  XXXX XXXX XXXX/Account Number-XXXX Balance amount showing {$3900.00} 2nd account-Firm/Ident code-XXXX   XXXX XXXX XXXX/Account Number-XXXX Balance amount showing {$970.00}

Company response to consumer: Closed with non-monetary relief