BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-22
Company: EQUIFAX, INC.
State: NC
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:
MY INFORMATION WAS USED TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I DID NOT OPEN THESE ACCOUNTS THEY DO NOT BELONG TO ME IT IS NOT MY DEBT I am writing to request and initiate a formal complaint against Equifax, XXXX   and XXXX  XXXX. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I was on the Wells Fargo website and it basically has a banner for government officials going through hardships. I called on XX/XX/2018 and spoke with a nice gentleman explaining if next month as a government official how are you Wells Fargo helping those victims? And his response was we will waive late fees but not defer payment so credit is not effected. After all Wells Fargo knowing that it was defrauding customers to the point of then CEO stepping down and I believe having to give the money back. In my opinion if Wells Fargo is trying to help the American people then why are they not giving extensions so credit ratings are not impacted by the call on Mr President to close aspects of government.

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 2020-06-26
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
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:
during the time this company was still assuming mtg servicing from XXXX, i called around end of XXXX or begin XXXX, and was told by one of their reps ( shellpoint ) that i had a grace period to make XXXX XXXX payment and that there would be no consequence if it was late, as it was taking them too long to transfer. Despite being told this, and the call being recorded ( supposedly ), my XXXX payment was reported 30 days late, and i have been unable to get them to correct, despite the facts and i having a case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06
Company: U.S. BANCORP
State: IL
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:
On XX/XX/XXXX, I made a partial payment of {$800.00}. On XX/XX/XXXX, I made the remaining payment. Next full payment that went through was XX/XX/XXXX, I had not noticed that a check I deposited had been returned. I continued to make on time payment from XX/XX/XXXX through XX/XX/XXXX. In XXXX and XX/XX/XXXX, I got hit with a 30 day late on my credit report. XX/XX/XXXX, I was hit with a 60 day late on my credit report. XX/XX/XXXX and XX/XX/XXXX, US Bank hit me with 30 day lates again. I had talked to US Bank to have the 4 of  the 5 late penalties from my credit report. they said that they couldn't do anything. I tried to explain to them that only one should've been reported not 5 of them.

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 2018-06-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received an Alert from my credit karma account and they said the my score dropped 73 points because Equifax is reporting my mortgage as closed/sold or transferred. It's my XXXX XXXXXXXX account XXXX is how it reports on their response. The account is still opened and we are still paying on it. I feel they purposely did this because I am disputing things they are reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-06
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:
I am a XXXX XXXX XXXX military member. 

XXXX XXXX XXXX  PUT AN XXXX XXXX XXXX a third party collection, not an attorney on my credit report without notifying me of anything. This third party agency ( FDCPA ) is reporting false data which is preventing me from obtaining business credit. I had an 11 month lease. I purchased an investment property and notified XXXX XXXX XXXX that I was in escrow and I was not renewing my lease and moving out. The contract amount/rent was {$2100.00} and XXXX XXXX was raising all tenants rents anywhere between {$2200.00} - {$3400.00} due to the renovations they were making. I paid my contracted XX/XX/XXXX -XX/XX/XXXX rent amount to XXXX XXXX XXXX for the month XX/XX/XXXX ( {$2200.00} ), returned the keys and the unit was move-in ready. XXXX XXXX was not able to get a tenant into the unit and tried to bill me for the vacancy - first {$920.00} and a third party put on my credit report that I owed {$3400.00}. I reached out to XXXX XXXX XXXX and their parent company XXXX XXXX for litigation, however, have been given me the run around. 

My security deposit was kept. I told XXXX XXXX XXXX   back in XX/XX/XXXX that I would not be renewing my contract and they tried to pressure me into renewing the lease. I never renewed the lease and told them I would be moving out in XX/XX/XXXX and I did. Another Veteran and I cleaned the unit and it was move in ready. 

No 60-day Notice of Intent to Report to Credit was received by the XXXX XXXX XXXX XXXX XXXX. I was not properly notified. Per U.S.C. 3711 ( e ) ( 1 ) ( C ), I am  entitled to a complete explanation of the debt, to dispute information in the records about the debt, and I am entitled to an administrative repeal and review of the debt. The XXXX XXXX XXXX XXXX XXXX ignored the " Justice/Treasury Federal Claims Collection Standard '' I asked for documentation ( a full copy of the lease agreement, accounting ledger explaining how the claim was calculated ) and have not been provided with the documentation requested. I also have been given the runaround by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and need the proper point of contact to respond to my complaint regarding violations of the FCRA and FDCPA. Their false reporting lowered my credit score and has prevented me from obtaining housing for my family. I also contacted the attorney general for an investigation for consumer fraud against military members and civilians.

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 2018-02-22
Company: United Check Recovery Bureau, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was contacted by XXXX with United Check Recovery Bureau. I asked him to remove my number and to not contact me further and he refused and continued to talk with me about the debt of a former spouse. I asked him again and he continued to harass me and not acknowledge my request to remove my number. 

I finally told him I was going to file a complaint he became rude and laughed at me and said " File a complain with who? '' I told him the FTC and at that point he decided to listen to my request to remove my number. 

He was trying to be intimidating after I had already told him 2 days earlier that I am divorced and not responsible for the debt. 

The phone number that dialed me from was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: EQUIFAX, INC.
State: CO
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:
Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 120-150 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a zero dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I went to purchase a new house using WellsFargo which was my current loan holder. They had pre-approved me for the new house loan. As we started the process, they sent me an email on FHA Loans and after taking the test, I would be able to receive {$750.00} credit towards my closing. After taking the test and sending Wells Fargo all the documents they needed, they informed me they needed more information due to a large check that was written off of my account. After providing explanation, everything seemed to be going great and I was set to close. Two weeks before closing they told me they couldn't approve my loan unless they got more documentation to confirm the check amount and why it was paid at that time. I talked to the HOA and they provided documentation that was needed. All the information that was asked, I provided and they told me a few days later, they were denying my loan. All this started on XX/XX/XXXX and my close date was XX/XX/2018. On XX/XX/XXXX, the loan was officially denied. When all this occurred I started working with a new loan company and never had a problem with this process. I feel like there was some discriminatory actions that was taken against me in denying my loan. My credit is great and payment history in the past with Wells Fargo has been top notched. Never missed a payment nor was I ever late. In fact I always paid extra. The emails that were sent to me seemed very degrading and to the fact that I was not good enough to get a loan through Wells Fargo.

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 2018-12-06
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I received notice from my credit monitoring service that my credit score had dropped. When I opened my account, there was a notice that XXXX by Goldman Sachs had changed previous payment history on my credit report from current to 60 days late from XX/XX/XXXX to XX/XX/XXXX. I have never been late with this account and have proof that I have never been late that I will attach to this dispute. I have always been on in automatic draft program with this company to ensure that my payments are never late. I received a three month deferment from XX/XX/XXXX through XX/XX/XXXX due to being offered a deferment by XXXX Goldman Sachs due to being out of work and in a FEMA declared state after Hurricane Irma. I was advised that my credit report would not be impacted as I was under a deferment and extending my loan 's maturity date ( see attached ). My credit reporting never changed during that time frame, and now all of a sudden they have changed it. All payments before and after deferment were made on time. I called XXXX by Goldman Sachs and spoke with a XXXX XXXX. XXXX said that it seems that there has been some type of error and it would take up to 2 days for them to resolve. His explanation was very vague and I explained to him that while I am awaiting their investigation my credit reputation is being impacted because of their erroneous reporting. XXXX could not provide any other assistance and told me that he was not sure of whether the information could be corrected quickly. I advised him that just as quick as they made the error they needed to fix/resolve as I am ill considering the damage that this is doing to my perfect credit score. He said that someone would reach out to me by telephone within 1 to 2 business days but I am not confident that this company will handle as quick as necessary and that is why I submitting this dispute. I am outraged that this company with do something like this to a timely paying consumer and I will never do business with them again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I had an XXXX  collection that was sent to collection in error. I fought back and forth with XXXX XXXX and XXXX to make sure this error on XXXX 's part did not adversely affect my credit score. I was assured it would not. Once the error was corrected I paid off my balance with XXXX. Now I am being hurt by over 50 points on my credit score because this account is showing up on my XXXX   and Transunion reports. This is causing me to not be able to get my home loan that I have been working so hard to get. Currently my family is XXXX and we are living with my in laws because we were expected to have our home loan funded by this time, but now because this account is reporting we are not able to obtain financing.

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 2018-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Capital one account fraudulently opened in my name, was placed with collections. Refuses to close and delete collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Experian Information Solutions Inc.
State: VA
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:
Accounts keep coming back on to my credit report that was included in my bankruptcy case. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, COMMONWEALTH OF VA. I SUMBIT A DISPUTE, XX/XX/2020 TO THE COMPANY 'S AND ALL 3 CREDIT BERUES.

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 2019-01-06
Company: Action Collection Service
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I signed a one year lease with a " XXXX XXXX '' apartment complex named " XXXX XXXX XXXX  '' address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, ID XXXX. 
I moved in XX/XX/2014. The place was a real dump. I moved out exactly one year later to the day and I had given them no notice that I planned on renewing the lease. The day that I moved out I had left a money order to cover the rent from XX/XX/XXXX-XX/XX/XXXX. When I moved out, the apartment was spotless and there was no money owed  on my part and they had a {$200.00} security deposit of my on file with their office I have an account with a credit report agency and I noticed that there was an amount in the amount of {$1200.00} + that was supposedly owed by me to XXXX  XXXX XXXX. 
They { XXXX XXXX XXXX. } made no attempt at all to try to contact me with any ... '' outstanding '' money supposedly owed by me to them. 
The worst part about it is the collections agency { Action Collection Service Inc. XXXX XXXX XXXX XXXX, XXXX, ID XXXX } who has several " complaints '' files against them, keeps tacking on more money almost every month. 
The bottom line is there is no money owed by me to XXXX XXXX, or XXXX XXXX XXXX. or any cheesy collections agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
For the past couple months I been very overwhelmed with this situation. The credit bureaus have been ignoring my right. This company is reporting inaccurate misleading information I have spoke to the creditor and verify the information. I have spoken to the credit bureaus and they keep takings me in loop around with no answer or any verified information. Im have stayed up countless our and spend over 100 hours trying to figure out this situation. The credit bureaus have not been taking any action to resolve this dispute but sent me to there E Oscar system. This action is really hurting my ability to get credit. This mistake can cost me a few thousand of dollars Over my lifetime. Plz help me solve this 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 2018-06-26
Company: National Enterprise Systems, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Receive multiple calls from the number. Receive both automated messages and scripted messages with a human when I don't pick up. Receive calls after asking them not to call since they were unable to actually confirm the debt when I did pick up once. Received calls from other XXXX phone numbers that are similar, each with the same tactics of leaving threatening voice mails that are either automated or scripted humans.

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 2022-08-09
Company: EQUIFAX, INC.
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 belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX  ; Experian and XXXX  are incorrectly reporting that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

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