BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-28
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 is reporting incorrectly that I am 90 days past due on the XXXX partial account number XXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-05
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2021 I received a letter from Wells Fargo ( holder of my mortgage ) stating that escrow was low and I could either pay the shortage now or have my payments raised. I paid the amount requested in full, {$72.00} on XX/XX/2021. Everything seemed in good order. 

Yesterday, I noticed that Wells Fargo has raised my mortgage cost despite paying in full. The XX/XX/2021, auto withdrawal was {$800.00} ( paid twice per month ) vis-a-vis the authorized amount of {$800.00} ( twice per month ). Granted, the amount is small, but it is the false claim that is the problem. I called to enquire about this new charge and was first greeted by a woman telling me this recorded call was to collect a debt. I have never missed a payment, nor been late, there is no debt. I was transferred numerous times, all Wells Fargo staff acknowledging the full payment for escrow shortage paid but stating cost would rise regardless. This is untrue. I had a conversation with a woman at Wells Fargo when I received the letter, told my home insurance had gone up, and decided I would pay in full rather than see a change in payment. 

I believe they are double-dipping in my escrow account. I was told someone from their executive office would call me, but that has not happened and nothing has been rectified.

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 2021-11-02
Company: Experian Information Solutions Inc.
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 looked at my credit report and seen multiple charges on there from various collection agencies. Upon further investigation I was informed that FCRA rights state that we the people are to give written consent for collections to be added to your report to give individuals an opportunity to dispute before anything is added to your credit report. I did not receive any paperwork nor did I give my written consent. I was not given the opportunity to dispute these collections before they were added. I have not determined if these charges are even valid however if any of them are it would also be a hippa violation as well.

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: Reliant Capital Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I was contacted by Reliant Capitol solutions on XX/XX/2022 in regards to a community tax debt that is owed. The collector opened the call by threatening enforcement in his opening sentence. I at this time asked if he was a third party collector or worked for attorney generals office who was using to say enforcements through. He stated he worked for third party collection agency and not directly for community or attorney general so he did not follow any verification procedures or give me mini XXXX before disclosing debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: Experian Information Solutions 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:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

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 2017-12-13
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I had an FHA Mortgage with Ditech. I refinanced through a different lender, XXXX XXXX XXXX XXXX. A payoff letter was requested from Ditech dated XX/XX/XXXX and it listed a principal amount of {$180000.00}, interest of {$750.00} and Pro-Rated Mortgage Insurance Premiums of {$250.00} totaling {$180000.00}. It stated the amount was good through XX/XX/XXXX. As of XX/XX/XXXX my Escrow account had {$1200.00} in it. On XX/XX/XXXX XXXX paid an MIP/PMI of {$120.00} from my Escrow account. After receiving the total amount requested in the payoff letter on XX/XX/XXXX Ditech sent me a letter stating they would pay outthe remainig amount from my escrow account within 20 days. On XX/XX/XXXX they added {$310.00} into my Escrow account and then cut me an escrow refund of {$1200.00} on XX/XX/XXXX. When I had not received it leaving a balance of {$120.00}. When I  called Ditech about the remaining amount they said it would cut to me on XX/XX/XXXX which is the 30 day mark to close the escrow account out. I had not received the check on Monday, XX/XX/XXXX and went on line to look at my account and saw that Ditech took the remaining {$120.00} for another MIP/PMI payment. This totals 4 MIP/PMI payments that they have taken for the close of my mortgage. I called and spoke to customer service on XX/XX/XXXX and was told that MIP/PMI payments were always 2 months in arrears. I  know when took this mortgage out originally I had to pay two MIP/PMI payments up front at that closing in XX/XX/XXXX. Now they say I could send it in writing to the Customer Service Department but they wo n't refund that money because they never do. This is outrageous that they take money that is not due to them and get away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: Experian Information Solutions 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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-12-17
Company: Experian Information Solutions Inc.
State: NY
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: Problem with personal statement of dispute

Complaint:
I'd like to know how can experain claim to have no record of my credit card in XXXX, that they asked me to review ( detail of my name and picture ) the card via email in XXXX. .how does experian know to ask me to review it, yet doesn't know i have it.? 
SO WE ARE CLEAR, HOW DOES EXPERAIN KNOW I HAVE THAT CARD TO ASK TO REVIEW IT? I HAVE PERFECT UTILIZATION, YET THEY HAVE NO RECORD SO CANT REPORT SO MY CREDIT FILE REFLECTS THAT..I DONT WANT EXPERIAN TO BOOST MY SCORE, JUST REPORT ACCURATELY, MY SCORE WILL BOOST ITSELF ... THE RECORD WILL REFLECT VIA PREVIOUS COMPLAINT THROUGH THE CFPB PROTAL THAT THERES " NO RECORD " THEY STATED THAT LIE AFTER THE EMAIL ATTACHED WAS SENT ... FOR THEM TO SEND ME THAT EMAIL AND SAY MY NAME AND TO REVIEW A CARD, MEANS " NO RECORD " IS A LIE ... THEY WITHHOLD IMPORTANT CREDIT REPORTING INFO TO FLUCTUATE YOUR SCORE.

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 2021-10-06
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I mailed out letters to EQUIFAX, XXXX XXXX XXXX because of some inaccurate details on my credit report. 2 months have passed, but until now, I can still see those inaccurate details on my credit report. I wonder why are they taking so long to settle this. I need this inaccurate details deleted ASAP. It is stated in Fair Credit Reporting Act Section 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately remove those items from the credit report and it has been over 60 days so they should be deleted promptly. Please help me fix this issue ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Upgrade, Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I took out this loan in XX/XX/XXXX. I made my first payment in XXXX for XXXX. My payments are not being applied to my monthly payments correctly. Every month I have to call to have it corrected. They said I'm paying too early and that I have to wait til my payment date. I explained I am paying the month prior to keep my household bills separate from this loan. I am due for XX/XX/XXXX and I log in and now my payment history says posted and then failed and my account is showing due for XX/XX/XXXX which is still not correct. I feel like I'm doing everything on my end to be a responsible party and this company is doing some shady stuff with my account that is going to cause issues down the line with my account or credit. I've contacted them 3 times about the same issue and it seems it doesn't matter when I make the payment it's always something.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: GA
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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX Balance Owed : {$2700.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: NC
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:
The defendants used my flesh and blood as commerce properly to make money with.Thats fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Selene Holdings LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To my surprise I received a deliquent tax notifcation for my XXXX second half of my property tax. I was so surprised because I've never experienced this before. My mortgage company was bought out by a company I have never heard of called Selene XXXX in XXXX of XXXX. I reached out to them back in XX/XX/XXXX and notified them and they kept giving me the run around and transferring me to someone else. I called the Property Tax division at XXXX multiple times and spoke to XXXX and she told me that they will be sending a payment. 6 weeks have passed and they yet to pay my past due property tax. I reached out to them again and they gave me a run around. I show they deducted {$1300.00} on XX/XX/XXXX from my Escrow account to pay the past due property tax, however XXXX County Treasurer has yet to receive payment. I have been working directly with XXXX XXXX from XXXX County at XXXX and she confirmed again today they have not received payment. We were both on the phone with Selene Finance for 2 hours and they still do not know what happened to the check that was sent out. XXXX advised them to reissue and wire the funds otherwise if payment isn't made by XX/XX/XXXX a lien will be applied to my home. I am astounded how Selene Finance forgot to pay and then removed money from my escrow and it's been a month and they don't know where my payment is. I have been on the phone with this mortgage company for several hours for over 6 weeks and nothing is resolved and they do not take this seriously. XXXX from XXXX County told me that this mortgage company she has never heard of however she said she read the reviews on this mortgage company and it appears they forget to pay property taxes of others. They don't put an effort to pay my property taxes. I don't know what to do at this point. They purchased my Mortgage last year and it's been a horrible experience. Is there any way I can transfer to a diffferent Mortgage company without having to refinance since the rates have increased?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: HSBC NORTH AMERICA HOLDINGS 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: Information belongs to someone else

Complaint:
After being in XXXX for a whole year I came back to discover that some credit cards had been open in my name without my consent or knowledge. I sent paperwork to each credit company and each one has been very good except for XXXX. They still have one fraud account left which is hurting me very much. My bank ( XXXX XXXX ) has recently closed a line of credit worth {$25000.00} and I am sure this one bad account has something to do with it, so I really need XXXX to clear this last fraud item from my report please!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I sent an investigation request to Experian on XX/XX/XXXX. I was supposed to get a response within 30 days, but I have not.

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 2015-11-04
Company: BMW Financial Services NA, LLC
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
BMW Financial services is reporting information to all XXXX credit bureaus, incorrectly. I disputed the information on all XXXX credit bureaus, yet they still report it incorrectly. I need the account removed, completely, from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: U.S. BANCORP
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received card ( debit/credit ) in the mail that I did NOT apply for and don't want. Did someone use my ss # to apply for unemployment in Pennsylvania? That's the reason listed as to why I got this card. That is what they did with my number in NY. Please fix this. My credit was compromised back in XX/XX/2020 and many charges were made in my name at that time. Please try and catch these unscrupulous people. Thanks

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 2020-01-12
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
experian IS STILL REPORTING 30 DAYS PAST DUE FROM XXXX THAT CAN NOT VERIFIED, JUST REPORTING A 30DAYS BECAUSE XXXX IS SAYING I WAS LATE BUT NO DOCUMENTS CAN SHOW OTHERWISE SECONG VIOLATION THE FIEST WAS DATA BREACH. THIS IS THE COMPANY YOU TRUST WITH YOUR 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 2020-06-06
Company: American First Finance, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have 3 account with ameriican first finance that is not being reported to my XXXX or XXXX report. They also show as closed but it was paid in full on the XXXX account. Accounts were opened on XX/XX/XXXX amount {$400.00}, XX/XX/XXXX amount {$390.00}, XX/XX/XXXX amount XXXX all with AMER FST FIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: U.S. BANCORP
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:
On XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and Us Bank XXXX XXXX XXXX sent an inquiry for a loan and I already purchased one on XX/XX/XXXX. I dont know why these banks would ask for my credit report a week after I already bought a car from XXXX XXXX in XXXX XXXX GA. I did not authorize this to be on my credit report and I want to know why they are on my credit report a week later.

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 2023-05-27
Company: Experian Information Solutions Inc.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2020-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This account ( account number XXXX ) is reporting late for XXXX XXXXthey are charging me late fees for an account i can't use because they have failed to update my account as they were supposed to after i SENT all documents requested and they won't inform me why my card is flagged as fraud and delayed this case when they had paperwork months ago and now charging me fees for it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-03
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
In XX/XX/2016 a missed payment was showing on all of my all of my XXXX  XXXX XXXX student Loans. This is not accurate as I was in forbearance and was attending school at the time and should not have been liable to take a payment. I need these items removed immediately and the company is not researching out doing anything to help with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: OneMain Finance Corporation
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a loan on XX/XX/22. I submitted docs that were asked of me including ID, bank statements, and pay stub and a authorization form by loan officer, XXXX. After that I did not hear anything back from them for a few days. I called and left messages on XX/XX/22 and XX/XX/22. Finally got a call back on XX/XX/22 and was told I needed to submit photos of my birth certificate and social security card because ID was expired. I submitted them XX/XX/22. Got a message to give them a call and I did. Was told I now needed to submit a picture of the back of my social security card. I did. Got a call today XX/XX/22 that because my birth certificate is a copy they could not accept it. They waited 4 days to tell me this. It has been one thing after another with them and it has been a frustrating experience to deal with. And looking my certificate its not a copy. It is the birth certificate my parents received at the hospital. But either way my time was wasted and I ended up with no loan. Reading other reviews its probably a good thing because they do not seem like a good company to do business with and loan officer, XXXX, lied to me multiple times saying she would submit my docs for final review but she never did. She said this each time after I submitted a new doc.

Company response to consumer: Closed with explanation