BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-18
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:
Equifax failed to investigate the accounts in my last dispute dated XX/XX/2019. They have done little to provide any evidence tosupport their “verification.” The burden of proof is not on the consumer. Equifax has not provided a method ofverification and has simply ignored my dispute and asked me to contact the creditor directly. I have in fact, onseveral occasions, contacted each creditor regarding my disputes and have not received a response or havereceived very little information that does not support the inaccurate reportings. This willful non-compliance isunacceptable and these disputes need to be treated with detailed attention. The “XXXX XXXX” verificationmethod is not adequate. These listings need to be manually reviewed and either updated or removed. BothEquifax and the creditor fail to prove or provide substantial or convincing evidence to support their inadequatereportings. If someone manually reviewed these disputes rather than depend on software to match storeddata, these listings would have been removed or updated properly after my very first dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
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: Information belongs to someone else

Complaint:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX  to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. US DEP ED XXXX {$200000.00} XXXX XXXX {$8000.00} XXXX XXXX {$14000.00} XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
Company: WELLS FARGO & COMPANY
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I attended school at XXXX College, SC, in XX/XX/XXXX-XX/XX/XXXX. I received a XXXX scholarship in the amount of {$7500.00}, and the remaining balance of the tuition was paid for by the good graces of my parents. They paid around {$7500.00} of their own money to cover the remaining tuition. 9 years later, in XX/XX/XXXX, I received a notice from debt collector, XXXX XXXX, explaining that I needed to begin paying my loan off or I would be sent to collections. They made threats, saying my credit score would be effected, and that they would start garnishing my wages. They harassed me so often that year, that I began paying them in XX/XX/XXXX or XX/XX/XXXX. $ XXXX.month, for a " rehabilitation '' period of 9 months. Well, i paid them until XX/XX/XXXX, when I felt suddenly something was very wrong with this " loan ''. Sure enough, when i requested a promissory note, they never sent me one. Multiple times. Nothing. I also never received any formal documentation in the mail, not once. I then stopped making payments after XX/XX/XXXX. Then, suddenly, in XX/XX/XXXX, I began receiving calls from XXXX ( XXXX XXXX XXXX ). They too were making threats of wage garnishments and credit hits. I asked them what loan they were even talking about, and they said that I took out a loan from Wells Fargo. I then told them that no, I did not ever take a loan out for school at XXXX College, that i was on baseball scholarship, and my parents paid for the rest of the tuition with their own money. They told me that they dont know anything other than " well, it may have been a small loan, maybe for books or something, and that 's maybe why I do n't remember it ''. Not knowing if any of this was true, I refused to pay them and asked them to put me on the Do Not Call List. The calls persisted, and I asked them again several times from XX/XX/XXXX- XX/XX/XXXX to put me on the do not call list. The gentlemen on the other end of the line had a nasty attitude. He spoke down to me, as if I was a bad person for not paying my loans. Finally, beginning in this month, XX/XX/XXXX, I no longer received any calls. However, my credit has been ruined, I 've paid them $ 400+, and I still do n't have a promissory note ( because it does n't exist ). 
It is my belief that Wells Fargo forged this account without my, or my parents knowledge. I never have set foot in a Wells Fargo in my life, nor has myself or my parents ever banked with Wells Fargo. I am seeking advice/ legal/ financial restitution for this fraudulent act against myself. I believe this is the tip of the iceberg, as I am currently investigating yet another loan, this one through 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 non-monetary relief
Consumer complaint received 2021-04-29
Company: Santander Consumer USA Holdings Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Have a current loan with a lender, I was changing positions from weekly to no weekly and the date of my house payment fell on the week I wasn’t getting paid, I called ahead to the lender and asked them if I could move my payment out a little so it would not be a late payment they agreed all was okay, they however did no do it, I was late that month and no one contacted me from the lending company the second month came along I paid it on the same date and again the following month was late, they finally contacted me after the third month and I double paid to catch up but now it is stuck on my credit report and they will not remove it even tho it’s their fault for the most part, it is causing me issues trying to purchase another house closer to where I work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Global Lending Services LLC
State: GA
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:
I recently checked my report after trying to purchase a car and was denied. I notice multiple hard inquires for the car dealership trying to push for me to get an approved loan but I did not authorize these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XXXXMy wife and I had a car loan with XXXX XXXX XXXX  since XX/XX/XXXX.. In late XX/XX/XXXX of this year, my wife had an accident with the car. XXXX XXXX deemed the vehicle at total loss. XXXX XXXX XXXX   issued us a Total Loss letter dated XX/XX/XXXX. XXXX XXXX issued and mailed a check to XXXX XXXX XXXX  in the amount of {$9400.00} on XX/XX/XXXX I noticed that the loan was not paid off on or around XX/XX/XXXX. I contacted XXXX XXXX XXXX   numerous times by phone, email and fax to try to rectify the situation. By the end of XX/XX/XXXX, XXXX XXXX XXXX  notified all 3  of the credit reporting agencies that my wife and I were 30 days late on our car loan. XXXX XXXX  has the payoff check from XXXX XXXX  in their possession. In total desperation, after countless calls and conversations with Supervisors and loan specialists, I told them I was going to file a formal complaint. Two days later, I received a phone call from XXXX at XXXX XXXX  saying she would try to help. She asked if I could call my adjuster at XXXX XXXX  and ask they could reissue a check. I said sure. My adjuster XXXX  said it would be no problem to re-issue a check. XXXX stopped payment on the first check that they issued on XX/XX/XXXX and reissued another check on XX/XX/XXXX. The check was received by XXXX XXXX  on XX/XX/XXXX and paid off the loan. In the interim, my wife 's and my credit score has dropped by almost 100 points each because even though XXXX XXXX  could not find the first check .. nor had any Supervisor or loan specialist ever suggested that I ask if XX/XX/ reissue a check ... it wasn't until I threatened them with a formal complaint until anyone acted.. but our credit scores are still XXXX XXXX  each because of their neglect. I sent XXXX XXXX XXXX, Senior Vice President a formal complaint via XXXX XXXX  on XX/XX/XXXX and I also filed a formal complaint with the OCC. In total, beginning on XX/XX/XXXX, I submitted 9 email requests with copies of the check to XXXX XXXX, 1 fax with attached documents, and countless phone calls asking for help and explaining my situation ... Finally, after me saying that I was going to file a complaint, someone called me back ... Our credit scores are still XXXX each and XXXX XXXX XXXX has yet to respond to my complaint. I've never seen a bank so non responsive and just not care. Meanwhile, my wife and I need to buy a new car and we wanted to re-fi our primary home along with our vacation home. With our credit scores being devastated by this total neglect of a bank, we are now put in negative financial situation.

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 2018-07-14
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have ( had? ) a personal checking account with Citibank. I had a little over {$1300.00} in that account when on Monday XX/XX/XXXX I deposited a check from my mother for {$5000.00} Normally, Citibank takes a few days to clear the entire check and the bill I needed to pay I could pay next week, so I didn't think much and went on with my life On Friday XX/XX/XXXX, my debit card declined when I tried to buy a XXXX XXXX Railroad ticket to visit my mother. I didn't think this could be correct as I had over {$6000.00} in the account and the ticket was only {$9.00} I went upstairs to a citibank branch next to XXXX XXXX. My account and all my money were gone. I called the number on the back of my bank card, XXXX XXXX XXXX. The first four people who picked up HUNG UP ON ME After more than an hour on the phone, refusing to connect me with a supervisor, I finally got a person who informed me I had committed " bank fraud '' and had submitted a " fake check '' The check was from my mother, and from a XXXX account. XXXX confirmed with us that on XX/XX/XXXX the funds were withdrawn from my mother 's account and citibank was paid The check is NOT a fraud. Furthermore, when I asked about the {$1300.00} I had in the account before I even deposited the check in question, I was told that was also " gone '' Not only have they made a fake claim against me, they have illegally seized my funds. How can they get away with this?

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 2020-11-17
Company: CITIBANK, N.A.
State: NJ
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:
On XX/XX/2020, I purchased six travel tickets from XXXX for {$450.00} each. Due to COVID the flight was cancelled therefore I opened a dispute with CITI bank for a total of XXXX. I received a conditional credit on my XXXX statement for all six tickets. I contacted XXXX and they confirmed the tickets would be refunded back to my CITI credit card therefore I withdrew my dispute and CITI reversed the conditional credit on my XXXX statement. On XX/XX/XXXX I received six email confirmations from XXXX showing that all six credits were applied back to my CITI credit card. 
However, when I received my XXXX statement there were only credits for 5 tickets. Three of the credits are noted as Citibank credit for dispute and two tickets as credits from XXXX. 
I have tried contacting CITI bank numerous times regarding the outstanding credit but I keep getting different stories everytime I call. I was told by a CITI account manager that XXXX did not process the sixth credit therefore I would need to contact XXXX. I called XXXX and they confirmed all credits were shown as refunded to CITI and they even agreed to a three way call with CITI to resolve the issue. CITI was not cooperative and I was told there was nothing they can do because the investigative team is a third party and I would need to wait 7-10 business days for an answer.

Each and every single time I called CITI I was told to wait 7-10 business days in order to get a response. We are now going on four months and I have not been able to resolve this issue with CITI. They are holding my {$450.00} credit and have not applied to my account.

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
Consumer complaint received 2021-01-21
Company: Experian Information Solutions Inc.
State: MA
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:
There is an account being reported on my Experian report from XXXX XXXX with a balance of {$570.00} that was opened in XXXX fraudulently using my name, social and my month and day of birth, however the year was changed to make me appear to be XXXX ( I was XXXX in XXXX ). I disputed this information with XXXX XXXX they agreed this account was fraud and sent me a letter stating this. They also said they would submit the info to credit bureaus to remove. Both XXXX and XXXX removed, however Experian did not. So I submitted a dispute to them XX/XX/XXXX including the letter from XXXX XXXX that this account was fraud and was to be removed. On XXXX less then 12 hours later- I received notification that they " verified the account and it remains ''. I spoke to XXXX XXXX they again told me that this account was not verified as accurate and should be removed. I called Experian and was told all I can do is resubmit a dispute- which I did XXXX and again on XX/XX/XXXX was notified of same results. This account is fraud. The company that reported this account stated it was fraud as I was a minor and someone used my info and should be removed. Yet Experian even with the letter from XXXX XXXX is not removing. Therefore not accurately reporting.

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 2020-08-31
Company: SYNCHRONY FINANCIAL
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:
There is an inquiry on my XXXX  credit report posted in XX/XX/2019. I am unaware of this inquiry and did not attempt to open a line of credit with this store/company. Ive tried to reach out to Old Navy and XXXX  and with no help have had no luck. I spoke to a representative from old navy in XXXX and was told it would be removed. The said they would send me proof and I have yet to receive anything. XXXX  and Old Navy have refused to do anything. I did not attempt to open or establish a line of credit with this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-29
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I received my account statement for transaction activity period XX/XX/XXXX toXX/XX/XXXX. The ending account balance was XXXX. 
When I received my account statement for transaction activity period XX/XX/XXXX to XX/XX/XXXX, the beginning account balance was {$14000.00}. A increase of {$3400.00}. I did not do any account advances during this period. 
The company, when contacted can not explain why my balance increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: GOLDMAN SACHS BANK USA
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:
XXXX  has been ignoring my calls for a investigations into fraudulent accounts. 
Each tome i call they hang up and or tell me they cant find the documents i have submitted. 

Each time i file a CFPB complaint they reply with " this is not you ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
THE 3 CREDIT AGENCIES : XXXX, EQUIFAX AND XXXX  ALL HAVE ALLOWED XXXX XXXX TO KEEP ON A LATE PAYMENT FROM XX/XX/2020 - WHICH IS AT A TIME WHERE MY ACCOUNT WAS RESTRICTED ( RESTRICTED FROM XXXX TO XXXX ), I COULD NOT USE THE ACCOUNT AT ALL AND THEY WERE JUST ADDING " ADJUSTMENT INTEREST '' CHARGES OUT OF NOWHERE TO A BEFORE {$0.00} BALANCE & WHEN I TRIED PAYING THE ADJUSTMENT CHARGES, THE ACCOUNT WOULDN'T ALLOW IT, A STAFF REPRESENTATIVE SAID ITS DUE TO RESTRICTION AND NOT TO WORRY ABOUT IT. RESTRICTION OF ACCOUNT GETS LIFTED IN LATE XXXX AND XXXX XXXX THEN REPORTS A LATE PAYMENT IN XXXX TO MY CREDIT REPORT ON ALL 3 BUREAUS. 

YOU KIDDING ME? I NEED THIS FIXED ASAP. IM DISPUTING THIS XXXX XXXX XXXX XXXX PAYMENT HISTORY, IM 100 % ON TIME, ALWAYS ON ALL MY ACCOUNTS. FIX THIS. FIX THIS, ALL 3 BUREAUS NEED TO DISH OUT A DISPUTE FOR PROPER PAYMENT HISTORY VERIFICATION ON MY BEHALF. 

IVE ALREADY TALKED TO XXXX  STAFF ABOUT THIS ERROR AND THEY SAID THEY'VE SUBMITTED THE DISPUTE OF INACCURATE PAYMENT HISTORY TO THEIR DEPARTMENT BUT I HAVEN'T HEARD BACK FROM THEM SINCE SO IM HERE NOW. 

WANT THIS WHOLE DEAL TO BE UNDER CFPB SURVEILLANCE SO IM HERE ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: The CBE Group, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CBE Group contacts me daily regarding an account that has already been resolved as identity theft through XXXX XXXX. Someone located at XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, NY has committed identity theft using my name. I have repeatedly asked CBE Group to stop calling or to send me something in the mail. They keep talking over me and ignore my requests. I have contacted XXXX XXXX and asked them to notify CBE Group and XXXX XXXX has assured me that they will resolve the matter, yet I still receive the daily calls from CBE Group.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
My wife and I personal information was both stolen and has been being used as if they are us to the point that they got so many accounts in my name they filed bankruptcy to start over and get MORE accounts in my name. I filed a police report over 8 years ago and an identity theft report. This still keeps happening and no one is helping me fix it. I disputed with the credit bureaus and they still have left some of it there like I should be liable which it TOTALLY WRONG. They actually DELETED an account on my wife 's report that DID belong to us but still leave the fraudulent accounts there.

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 2022-10-04
Company: FIRST PORTFOLIO SERVICING INC
State: MD
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:
Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it reports and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report.

As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification Description of investigation procedure.

Company response to consumer: Closed with explanation