BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-31
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 is missing that should be on the report

Complaint:
equifax has recently deleted positive accounts on my credit report without my permission. 

please reinstate all positive accounts and remove all negative accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-04
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: Account information incorrect

Complaint:
ON XX/XX/2019 I Submitted a file and reporting Identity theft to the Equifax Bureau, and ask that they would block information. In letter I ask to verify any information according to 609 of fair credit reporting act. that state that before they can place anything on my credit report they needed original doc 's with my signature. They just sent letter that said it was verified. I'm asking that they comply and show my handwritten signature on all documents they verified or they need to remove all items from my report because it hindering me from get approved for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was sent a letter by Phoenix Financial, in which they were seeking payment for a medical debt that I do not owe. After I asked for proof of the debt 's validity, I received a response from the creditor confirming the debt. However, the verification letter contained numerous inaccuracies, including errors in my date of birth, address, phone number, and other details. This debt does not belong to me, and I am not the individual responsible for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Specialized Collection Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is a medical debt, starting XX/XX/XXXX this debt will have to be removed as it is below the {$500.00} threshold. I am hoping you will request that they remove now since we are so close to the XXXX of the year

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
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:
Suddenly appeared account that is not mine. Someone used my personal info and as a result I have this item in my credit report. Please delete this account because its not mine.

This is that account : XXXX XXXX XXXX XXXX Thank you for understanding )

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 2019-11-07
Company: GREAT LAKES
State: WY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I called Great Lakes Student Loans about additional payments that were added to my account. I was keeping detailed notes about what I owed due trying to pay off my student loans account. Also, on XX/XX/2019, I sent Great Lakes Student Loans a letter detailing and disputing additional fees on my account. 

Namely, On XX/XX/2019, I had a total owed balance of {$5900.00}. 

On XX/XX/2019, I paid an additional amount of {$400.00} leaving a total owed of {$5500.00}. 

On XX/XX/2019, my owed balance was changed to {$5600.00}. Great Lakes Student Loans had added a total of {$160.00} to my account. There was no record of any change on my account except that Great Lakes Student Loans had changed my balance. I was not notified in anyway that there were additional charges or what the charges were for. 

On XX/XX/2019, I made a payment of {$43.00} leaving a total listed balance of {$5600.00}. 

At this time, my balance should have been {$5400.00}. 

On XX/XX/2019, my balance was again changed. The new listing was {$5700.00}. Great Lakes Student Loans added an additional {$120.00} to my account. Again, I was not notified and there were no records of any changes listed on my account except that my balance had gone up. 

On XX/XX/2019, I paid an additional payment of {$1000.00} which should have left me with a balance of {$4400.00} On XX/XX/2019 I made additional payments of {$350.00} and {$750.00}. My total owed balance should be {$3300.00}. However, my balance is {$3600.00}. 

As of XX/XX/2019 I have not heard back from Great Lakes Student Loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act.The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A. section2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes wich antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: Commonwealth Financial Systems, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Commonwealth Financial XXXX, located in XXXX XXXX Pennsylvania, created an account on XX/XX/XXXX, in my name, referencing a {$790.00} medical debt originated by XXXX XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, the Commonwealth Financial XXXX  opened a collections account, also in my name, declaring that this account was in default. This information was then sent to all three credit bureaus thereby negatively impacting my credit report. I learned of this from my identity monitoring services, even though all three credit bureaus posted the information on my report as correct. I have never received any notifications, in regards to this, from Commonwealth Financial XXXX. This alleged medical debt is six years old and is beyond Virginia 's 5 year statute of limitations. That makes this appear to be a fraudulent attempt at collecting an expired alleged medical debt. I unsuccessfully reached out to XXXX XXXX XXXX XXXX using the many different phone numbers listed for them online but they are unreachable or no longer in business. I also sent a certified dispute letter with receipt request to Commonwealth Financial XXXX. I informed them of the expired nature of the alleged medical debt, according to Virginia 's statute of limitations. I also pointed out the illegal nature of their actions and to only contact me in writing to inform me of their termination of this alleged medical debt collection attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Capital One Credit Cards.. Due to the pandemic, just like everyone else. I actually tried my best to settle. I was told it would show settled for lesser amount and have the 2 derogatory remarks removed on both cards. I feel that I should have just kept my $ and not even tried. I really need my credit report in general with all 3 credit bureaus to atleast show that I tried. I have settled all debt I have to atleast try my best. It's disappointing. I should have just done a Bankruptcy but I tried to redeem my credit and feel unsuccessful. Please help!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We heard there may be a law sued by Wells Fargo. In 1981 we worked out a plan with Wells Fargo to pay our mortgage 6 months on time and they would work out a plan to modify our mortgage. We paid over 6 months and they contacted us shortly prior to XXXX 1981 with no modification the same mortgage with all the back payment and interest due at one time. We were back on our feel but could not do that we were fine with paying it back over time on the tail end etc. But had to way to come up with all upfront. We called customer service and they said too bad and would start foreclosure on us. Many friends with other companies were receiving modifications very favorable but we were floored. The address was XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX and 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 2023-03-18
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Chime Bank which is owned by XXXX said I violated their user agreement by depositing and then quickly transferring my money back out to a different account and asked me to provide a valid ID and proof of income which I did. They have my account locked and had been since XX/XX/2022 and they will do anything about it. Ive asked them to close my account and mail me a check of the funds I have In their bank or reactivate my account so I have access to them again and this is had been going on for over 6 months with no resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-13
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: Account status incorrect

Complaint:
I have already contacted the bureaus about inaccurate and fraudulent information appearing on my credit report. I AM DEMANDING THAT YOU REMOVE THE INACCURATE ACCOUNTS FROM MY CREDIT REPORT IMMEDIATELY OR ELSE I WILL BE CONTACTING THE LEGAL AUTHORITIES AND PURSUING A LAWSUIT. I have attached the notarized copy of my demand.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Mr. Cooper ( Nationstar Mortgage ) held our mortgage. When we sold, Mr. Cooper sent solicitations for mew mortgage. 

Applied on XX/XX/19 for pre qualification letter. They sent me letter and checked my credit and employment history, charged me for appraisal. When inspection report came out furnace and outlets were defective, so withdrew offer. 

Put offer on another house on XX/XX/19. Sent Mr. Cooper documentation. Then, just as house was about to close, they started asking me for documentation they had received from me 30 days earlier. Acted like they couldn't find employer. Then said there was a gap in employment from 17 months earlier - this is after charging me again for an appraisal. Would not approve or deny the loan despite 20 emails and calls. Would not reply as deadline for earnest money deposit came and went. Repeated this approximately a week later. 
I had to liquidate my personal holdings to close on the house. 
Never received an answer. 
Did not respond to request to receive refund for 2 appraisals, or request to have regulatory officer return my call.

Did not respond for several weeks to multiple requests to reset my entry into loan tracker -- finally responded after I paid 2 appraisals and deadline for earnest money forfeiture had passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: LoanCare, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a first and a second with my home at XXXX XXXX XXXX in XXXX XXXX Co -- my first has gone from XXXX to XXXX to XXXX and now Loan Care ea company before Loan Care declaring bankruptcy and stealing the escrow in each case -- a federal just in the case of XXXX, a XXXX owned company, actually entertained a class action law suit for lender placed insurance and it cost me 6 months of extended insurance above and beoynd of about {$300.00} per month for 6 months -- the bankruptcy court ruled in the corporations favor and sent us a measely check of {$63.00} -- I did not even cash mine as did not many others and this causes the loans to be sold resold. When my insurance agent popped my insurance 61 % Loancare increased my monthly payment 71 % and sent me a new escrow statement even after I replaced the original amount that they were asking for with a new payment of {$510.00} from {$450.00} and the replacement check of {$870.00} as Loancare asked -- Original amount was {$1700.00} -- Loancare consequently never credited my original escrow account and sent me another escrow statement asking for original {$1700.00} and a house payment of {$770.00} -- these escrow accounts are only scams by loan servicing companies and they prey on older folk like myself at XXXX years old to comply. I say U.S. Govt fix this XXXX -- people are being treated very poorly and hard earned retirement savings are being stolen by major corporations. I contacted Senator XXXX office and XXXX put me in contact with you -- I have contacted XXXX XXXX and also sent them the information.

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 2022-10-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2023-03-18
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:
Ive tried to reach out to cabelas club card financed through capital one bank. The interest is 28 % variable. I've tried to talk to them about lowering my interest. They said they cant do anything about it. Customer service has also said there is no one i can talk to about it. please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've been trying to resolve the multiple negative student loan accounts on my credit report. The Credit Bureau ( XXXX, TransUnion ) are neglecting to verify the accounts properly to determine which ones are duplicates or original. Due to poor lack of investigation and communication I'm requesting that all of the accounts be removed. All of the loans in question and the negative accounts that have been reported are hurting my scores.

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 2023-02-27
Company: EdFinancial Services
State: KY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a letter in XXXX XXXX from XXXX XXXX XXXX who claimed to be a student debt relief party that could forgive and/or consolidate student debt. I called the number on the letter and they explained the student loans get transferred to them into one loan and I pay them going forward. I entered the agreement on XXXX XXXX, XXXX. It was a fee of 2 {$390.00} payments and then {$39.00} every month for 240 months, which I have been paying through ACH transferred with my bank. The document has my personal information and bank account and routing on it. So they have my identity and access to my funds. I caught on because my loans are still provided by EdFinancial and have never been transferred and all these payments I have made for TWO YEARS are NOT in the EdFinacial payment history. The website, phone number, and email on the document is totally fake they dont connect to any domain, service or webpage. I called them at the number theyve been calling me and obviously tried to tell me they are not a scam but they can close my account immediately, which a real student loan provider can not just close your loans immediately. I have lost almost {$1700.00} to this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I had accumulated {$14.00} in 'Rewards cash ' on a Wells Fargo CC , but while the account was still open, I no longer had an actual card to actively use the account. In XX/XX/2019, I received a letter from WF informing me that - if I did not use the card again within a specific time frame ( 60 days or so, I believe ) - WF would close the account and upon closure, I would lose the reward I had accumulated. 

Over the next several months, I called WF at least twice and sent numerous emails requesting that a card be sent to me. WF did send me a CC, but it was attached to another account I had with WF. I informed them of their error, and asked again that they send a CC for the account in question, and that they not close the account without first doing so. 

WF never sent me a CC and - in spite of their promise not to close the account when I specifically requested that they not close it - the account was closed and my rewards cash 'disappeared '. Subsequent emails requesting this error be corrected have been answered with denials of wrongdoing and rejection of my request. 

WF also uses an 'in house ' email system with customers that deletes emails after a short time frame. All emails with WF are now deleted from their proprietary system. 

I would like to be reimbursed the money that - according to our contract - I earned through purchases.

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 monetary relief