BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-09
Company: RoundPoint Mortgage Servicing LLC
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:
Payment made XX/XX/2019 was not correctly posted to my account, they admit the error, and they refuse to correct the issue.

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 2020-05-24
Company: G&P Enterprises, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Allied Trustee Services states that my HOA gave approval to record a lien and then a default on my home. I also did not get notification, they told me to track it myself that they did their part by sending it certified even though they know it had not been received. I have asked several times for them to remove the lien because it was not done properly and is therefore invalid. I spoke to XXXX on Friday and she said the HOA voted to remove the late fees and interest, but I still owe collection costs and they refuse to remove the invalid lien even after assessments are now overpaid. They say they received authorization from XXXX XXXX to proceed on XX/XX/2020 to record a lien and XX/XX/2020 to record a default. Even if I had gotten the notifications they sent the proper information was not included as our XXXX XXXX XXXX 's state. I have asked several times for the documentation they were given authorization and the name of the person they claim gave it and they refuse to provide it claiming it is their " internal documents ''. I provided them documentation of what our XXXX XXXX XXXX 's state and they still refuse to remove the lien. I told them they had 21 days in writing which started XX/XX/XXXX. I am trying to list the property and they have negatively affected the value and I am getting solicitors offering to buy it as discount based on the fact they think it is in distress which it is not. I also have a health issue and this has had a very negative affect as I am stressed and can not sleep. I also sent them notice the XXXX XXXX was not being followed and Civil Code had been violated. To this point all in vain. I also asked for them to show me a breakdown as to how they were calculating interest, they still did not make it clear and stating they were getting a new system soon. I need the lien removed ASAP. We have been on SIP orders since XX/XX/XXXX in XXXX XXXX so I find this extremely callous considering my health condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Comerica
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Anew card was issued to someone from Direcr Express to another person, I did not request this, this person removed y money in the acct. and waited till my direct deposit was put on my acct on XXXX. They made 3 withdrawals from an atm, our card is now closed and theirs is too for fraud. Please help me solve this and try to recover our deposits. Im a XXXX mother with an XXXX XXXX. Please thank for your help ... we only receive XXXX a month, and need XXXX, with paying bills. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: CITIBANK, N.A.
State: NY
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:
I have citi bank Credit card, It clearly states : To Avoid pay interest on purchase, you should pay balance by the due date, < However I paid full and they charge interest. Now they claim they can charge residual interest from previous month. This is misleading information. Either they need to change the wording or add line. It's not just me but so many customers have suffered. It should stop.

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 2020-09-08
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:
There is an account in question, which was charged off in 2019. XXXX XXXX is asking me for payment on the account and claiming that I am a joint account holder and owe the debt. This is not true, I am only an authorized user. I asked them to send me a copy of the original application for the credit card, which should clearly outline my relationship to the card, but XXXX XXXX claims that they no longer have access to the original application. They are continuing to report the debt to the three credit bureaus and it is hurting my credit score. I am asking XXXX XXXX to furnish a copy of the original application and provide evidence that I am a primary account holder, if they can not do that, or refuse to do that, then I am asking for this debt to be removed from my file and social security number and that the debt is removed from my records permanently and that XXXX XXXX report to the three credit bureaus that I am not associated with that 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 explanation
Consumer complaint received 2020-09-08
Company: EQUIFAX, 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:
There is an account in question, which was charged off in 2019. XXXX XXXX is asking me for payment on the account and claiming that I am a joint account holder and owe the debt. This is not true, I am only an authorized user. I asked them to send me a copy of the original application for the credit card, which should clearly outline my relationship to the card, but XXXX XXXX claims that they no longer have access to the original application. They are continuing to report the debt to the three credit bureaus and it is hurting my credit score. I am asking XXXX XXXX to furnish a copy of the original application and provide evidence that I am a primary account holder, if they can not do that, or refuse to do that, then I am asking for this debt to be removed from my file and social security number and that the debt is removed from my records permanently and that XXXX XXXX report to the three credit bureaus that I am not associated with that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I think you know - Equifax - have tried multiple times to freeze my credit report with them and their own website gets you close but then gives you an error - the other two services XXXX and XXXX  worked fine - someone should really really hold Equifax accountable - they say their website is working but then it says come back later after you enter all your data, I tried several times - if I suffer because of their inability to first protect my data ( which I did NOT ask or give them permission to collect ) and then their inability to institute locks or freezes who holds them accountable - this is crazy!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my personal XXXX  credit report, and I have notice negative account on my credit report that I do not have a contract with. I first contacted these furnishers of the account, with a few of them giving me the runaround. I asked them to remove their account from my credit profile and I have gotten nowhere and this is not right. By law per the FCRA you are required to verify through the physical validation of the original signed consumer document. I request that you initiate an investigation into the below accounts on my credit report. If, once your investigation is complete, you find my allegation to be true, please remove the accounts and send me an updated copy of my credit report. Diversified Consultant XX/XX/2019, XXXX. If you find the account referenced above to be valid thru physical validation, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Security National Financial Corp
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I took out a mortgage on an investment property with Security National Mortgage. They sent my account statements to the wrong address. I had no way to see or pay the mortgage without the statements. I requested that the information be updated but they never changed it. They marked the first two mortgage payments as late and they still show as delinquent on my credit report. However, this was due to their clerical error, not my missed payment. I've requested that the late payment status be removed from my credit report, but they have refused. This was not a problem of my making and I'm simply requesting they fix the issues created by sending my account statements to the wrong address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is an account in question, which was charged off in 2019. XXXX XXXX is asking me for payment on the account and claiming that I am a joint account holder and owe the debt. This is not true, I am only an authorized user. I asked them to send me a copy of the original application for the credit card, which should clearly outline my relationship to the card, but XXXX XXXX claims that they no longer have access to the original application. They are continuing to report the debt to the three credit bureaus and it is hurting my credit score.  I am asking XXXX XXXX to furnish a copy of the original application and provide evidence that I am a primary account holder, if they can not do that, or refuse to do that, then I am asking for this debt to be removed from my file and social security number and that the debt is removed from my records permanently and that XXXX XXXX report to the three credit bureaus that I am not associated with that 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 explanation
Consumer complaint received 2020-05-24
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
EQUIFAX is in violation of Title 15 USC 1681i ( a ) ( 5 ) ( B ) ( ii ), of  the FCRA On Reviewing Credit File : XX/XX/XXXX, Confirmation # XXXX : 1 ) On XX/XX/XXXX, I discovered that XXXX - Card Services, # XXXX, had been re-inserted into my credit file. Equifax is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. 

2 ) 1 ) On XX/XX/XXXX, I discovered that XXXX, XXXX, Late payment of XX/XX/XXXX, had been re-inserted into my credit file. Equifax is required to notify me within XXXXXXXX XXXX XXXX XXXX XXXX  of re-inserting a previously deleted item. I did not receive any such notification. 

On Reviewing XXXX XXXX : XX/XX/XXXX, Confirmation # XXXX, the above NEGATIVE information had already been removed. 

EQUIFAX had never notified me of any re-insertions per 15 USC 1681i ( a ) ( 5 ) ( B ) ( ii ), and is in violation. 

Also, Equifax is reporting that I worked for XXXX. This is wrong! I never worked for XXXX. 

STATEMENT OF DISPUTE : These items are inaccurate and misleading to potential creditors and employers. PLEASE DELETE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 US SM BUS ADMIN XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-02-26
Company: Google Compare Credit Cards Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
This is a complaint regarding failure to communicate by Google 's representative. I was promised that someone would reach out to me but no one did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I received an email from a company purporting to be XXXX. Since I have an account with XXXX, I opened it. It turned out to be a scam from some source claiming to want to return my yearly fees. When I gave them my name, name of my bank, and last 4 digits of my checking account, they began to ask for their money and threading to acquire my investment accounts. This when I realized this was a scam and hung up. I then called my Bank, XXXX, and XXXX. No damage was done, and XXXX put a one year freeze on my account. The bank had mr change my user name and password. XXXX asked me to contact you and notify you. Thank you.I

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 2021-02-26
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: LA
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:
Filed a dispute through XXXX  for Vanderbilt Mortgage. It states paid and closed which makes it look like a positive account in order to remain for 10 years or more. When you look at the account/payment history it clearly states repossession which makes this a negative account, therefore it should have been removed at the 7 year mark. All other credit bureaus have already removed the item, but XXXX  seems to be going by a different set of rules. Most recent dispute was XX/XX/XXXX and I received results on XX/XX/XXXX stating it is accurate and no changes were made. Last payment was made XX/XX/XXXX, item should have been removed XX/XX/XXXX. I was advised by an XXXX  employee that it will stay even longer because I filed a dispute in 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 2021-02-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This account is not reporting accurately on each consumer report for each company. Furthermore this debt is not mine. Please help with this matter in a timely fashion please. I followed up with each company but have not heard anything back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I started off with a fixed XXXX to XXXX interest rate on my private loans. Over the last several years they have raised that interest to XXXX and XXXX. 

Additionally, more than XXXX % of my payments go to interest and hardly makes a dent on the principal. 

Ive paid off two smaller loans totalling $ XXXX. And managed to hit just $ XXXX which hasnt moved for several months because of how navient chooses to disperse my payment on interest versus principal. 

My payments to navient have varied from {$590.00} down to {$490.00} a month. 

Thats easily $ XXXX a year that I pay out of a $ XXXX salary. 

Thank you for your attention. I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2020, I received an email from Capital One stating that I notified Capital One that I needed a replacement card. The email stated that they shut down my current card and issued a new card and sent the new card to a different address than my current address. I NEVER MADE THIS REQUEST! I contacted Capital One and let them know that this was a fraudulent request. They were totally incompetent and could not tell me how something like this could have happened. They also could not tell me where the card was mailed to. After being transferred and kept on hold for a VERY long time, I told Capital One that I am closing my credit card account with them and I want nothing to do with them. 

Yesterday I received a bill in the mail from Capital One for {$16.00} for a " Fast Card Fee ''. I called Capital One again to tell them I had nothing to do with the request for a new card and that I cancelled my credit card account with them. Once again, I was transferred to multiple people, kept on hold for a VERY long time, and was forced to hang up after they could not resolve this charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
Capital One has stopped reporting my positive credit history to XXXX. This has caused my score to drop over XXXX points. I noticed that reporting stopped in XX/XX/2020.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I had an account with Santander Consumer for a XXXX XXXX XXXX in XXXX. I barely had the vehicle for a year and the power steering went out multiple times. I kept having to take it to XXXX to get fixed using the warranty I had. Everytime I got it fixed it stopped working not even a week later. I got behind on my payments due to always having to rent a car or XXXX due to not having the vehicle. I tried to work something out and the repossessed the vehicle after a month non payment. Now santander has a lawsuit out for a loan forgiveness. They are trying to sue me for the XXXX that is owed even though the car is sold and has been since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: The Bureaus, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My information was furnished and used on XX/XX/XXXX without my consent for a XXXX XXXX XXXX credit card. It was a {$350.00} credit limit and immediately maxed. Some payments were made on the card but it was eventually defaulted. The Bureaus claim date of first delinquency was XX/XX/XXXX but last payment prior acquisition was XX/XX/XXXX. Why would an account be turned over for collection before it was ever delinquent? I incurred damage to my credit standing, declined auto loans, credit cards and other services that I probably would have been granted without this inaccurate information. This account was sold to The Bureaus and I have been in contact with them. I have demanded the original, written and or recorded contract/application, copies of my ID/SS card or number and all other relevant information to prove that it was me that opened the account. They did not provide anything except the payment history and other irrelevant documents, but nothing proving ownership. I have disputed this XXXX XXXX XXXX XXXX through no avail. They always XXXX reply saying the information has been verified. I know this is inaccurate being my XXXX, XXXX, XXXX and XXXX accounts are frozen ; therefore, they continue to be dishonest while causing a consumer financial harm.

Company response to consumer: Closed with explanation