BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-02
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:
There are incorrect information and accounts reporting on my credit file : Please remove inaccurate personal information : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Hill Py ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( Equifax ) The following is reporting as a result of Identity Theft/Fraud : XXXX XXXX XXXX - Open date : XX/XX/2017 Bal : XXXX Please remove unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Fraudulent accounts on my reports i have contacted the companies in this complaint and they all say to contact credit report companies and i have numerous times with no reply or results please investigate and remove this information 1. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. The following account is not mine XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. The following account is not mine XXXX XXXX XXXX XXXX DBA XXXX REAL Account Number : XXXX Please remove this inaccurate information from 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 explanation
Consumer complaint received 2020-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Date : XX/XX/2014 Amount : {$500.00} Action Taken : I ASKED FOR THE AUTHENTIC CONTRACT OR APPLICATION THAT CREATED THIS ALLEGED DEBT.

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 2017-08-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
My concerned is that chase advertisement for an authorized card holder user is false .... and it does n't give any benefits to the authorized user just bad ones ... I called Chase customer service 5 times even talk to a supervisor and all told me that being an authorized user will help with your credit history since it will be reported in your credit report. I was reported for more than 10 years ... and I remember exactly they told me it was the same as having a secured credit card just not having to put some money down ... so it does n't help you out it just hear user because if the primary account holder defaults on their card you get a mark on your credit report and ca n't be removed. I want this escalated or want a letter saying that being an authorized user will not help your credit score but if the person is late or does n't pay it will be marked in the credit profiles of the authorized user. this is why I think this application needed to reconsider or the inquiry denied ... because of the false advertisement..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
I was reviewing my credit report and notice multiple errors. Please remove all other addresses off my credit report as they are not deliverable to me by the US Postal service. 

My name is XXXX XXXX. Please delete all other alias or names that you may have they're incorrect. 

My correct phone number is XXXX. Please delete all inaccuracies associated with my phone number. 

My current address is XXXX XXXX XXXX XXXX XXXX TX, XXXX Please delete the following incorrect addresses XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX NY XXXX I also request a free copy of my credit report with the correct and updated information as listed above to my current address. 

Thank you

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 2018-04-03
Company: NATIONSTAR MORTGAGE LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper is playing with my account again! I have had this problem with them every since their previous name was NationStar Mortgage. I never had this issue in 15 years before they took over my mortgage! My increased expenses paid out of escrow is only {$83.00} per year and Mr. Cooper is increasing my payments for escrow by {$1000.00} per year. 

Currently escrow has {$1000.00} in the escrow account but we will have 5 more escrow payments of {$220.00} ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX -- summing up the total of current escrow payments ) totaling {$1100.00} giving us a total in escrow of {$2100.00} at the time insurance a 1/2 year taxes are due. 
{$2200.00} will be due for taxes and insurance in XX/XX/XXXX and XX/XX/XXXX so we will have a shortfall of {$39.00}. 

The next payment due will be in XX/XX/XXXX for another half year of property taxes which will be {$900.00} but with no change to our current escrow amount due monthly we will have {$1300.00} at that time, a positive amount of {$460.00}. 

Mr. Cooper is attempting to increase my escrow amount by {$90.00} which is way too much. At this rate they would be charging {$3800.00} for escrow when taxes AND insurance only total {$3100.00}. 
* There was no increase for insurance ** Property tax only increase {$83.00} PER YEAR! 

This is a constant game they have been playing with me so rather than spending hours on the phone again I am going straight to you because they don't listen to me when I deal directly with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
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: Account information incorrect

Complaint:
XXXX refuses to remove the 11 unauthorized hard inquiries off of my report ... I contacted the companies and was told if I did not authorize it then XXXX  should remove them ... this is a violation of F.C.R.A. law and neglect of my rights and concerns ... and Equifax is reporting 6 unauthorized hard inquiries and refuse to remove them also ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: GVA Holdings, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
This loan # XXXX was included in my bankruptcy, which was discharged XX/XX/2020. I have told the representative this, my attorney has contacted them and told them the same thing. However, they keep calling for payment. The original loan amount was {$700.00}. The accrued interest has driven this balance much higher now. 

I have no intention on paying a debt that was discharged in federal bankruptcy court. Im pretty sure the pursuit of collection, violates federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This letter is to formally put XXXX on notice. 

I have as of today XX/XX/2018 at XXXX, Paid off in full my student loan in the amount of {$29000.00}. 

You are owed not XXXX XXXX more. Any interest acrrued from XXXX will be credited back to me. 

You pieces of XXXX you in ( ) 's I believe charged me an Additional {$38.00} in interest on the {$5200.00}. XXXX I just paid. 

I get that back, as you assured The Consumer Financial Proctection Bureau that no additional interest had been accrued and you tacked that amount on my total Payoff you piece of XXXX. 

If you don't think I know you are wrong when the payment went from $ XXXX.and some change, to {$29000.00} to {$29000.00} in a matter of seconds. You charged me additional interest on top of interest. 

I do get that money back you XXXX.. 

Also, for the next 30 days until I have that written confirmation in my hand your XXXX is mine. I will ride you till this is done and you will not charge me XXXX XXXX more!!!!!! 

I expect this to go smoothly and if it doesn't expect me to have you in court so fast ... Even if it's over XXXX cents!!!! 

I hate you with such a passion it will be my pleasure to watch you squirm.. 


I expect my payment to be processed in full by tomorrow. 

I will be monitoring my account everyday and I expect a XXXX amount shown.. 


If you charge me even XXXX XXXX you can go XXXX yourselves.. 


The government has been paid in full and you are to get the XXXX out of my life!!!! 


My final words to you!!!! 


Go XXXX yourself XXXX I mean XXXX ... 

Free at last!!! I am free at last!!!! Thank Gd almighty I am free at last!!!! 


XXXX YOU in the biggest term of the sense!!!!! 


XXXX you XXXX you XXXX you XXXX you XXXX you XXXX you XXXX you!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Caliber Home Loans, Inc.
State: PA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/XXXX I entered a signed agreement with XXXX XXXX XXXX ( XXXX. ) to represent me in a loan modification program to avoid foreclosure. In this agreement I had to make ( 4 ) four scheduled payments of {$970.00}. Three of four were paid via e-checks. The fourth payment was stopped due to the fact I received my notice of foreclosure from XXXX County PA.Sheriffs Department on XX/XX/XXXX. On this same day I agreed to enter a signed petition under the XXXX County Residential Foreclosure Diversion Program. I have already attended one Conciliation/Case Management Conference with legal counsel XXXX XXXX. The conference was scheduled for XX/XX/XXXX. At this time the plaintiff XXXX XXXX XXXX XXXX had counsel present who requested my proof of income and banking statements for three months. The next conference is scheduled for XX/XX/XXXX Based upon the aforementioned facts XXXX has failed to provide any services to avoid foreclosure. After they discovered the final payment was stopped because I was served with a foreclosure notice. XXXX immediately claimed they got me approved for a temporary trial loan modification of {$1100.00} for ( 3 ) months and no guarantee for a permanent modification or an amount. At this point my attorney agrees that XXXX. is just providing false hope of staying in my home while paying a collection agency known as Caliber. The courts have never been notified of any loan modification temporary or otherwise. Therefore, it is my contention that XXXX. has not provided the necessary services to avoid a foreclosure or Restructure my Mortgage '' as they claimed would be the case in Pennsylvania. Furthermore, they provided documents proving that they are merely assisting the Caliber collection agency to gather three payments of {$1100.00} starting XX/XX/XXXX. Caliber also states that foreclosure would be suspended however XXXX County Court has no knowledge of any legal agreement therefore my home continues to be in a foreclosure status and currently involved in the XXXX County Residential Foreclosure Diversion Program.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: CITIBANK, N.A.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was served with papers to collect over {$6000.00} on a Citibank card I never had. I called the firm representing Citibank, XXXX XXXX  XXXX, and informed them it was not my debt. The attorney, XXXX XXXX, told me he would ask his client for copies of the statements as all statements attached to the complaint lacked what the {$6000.00} was spent on. I received a letter from Citibank asking me to circle the disputed charges on the statements I had and return to them. I wrote back via trackable Priority Mail that I did not have any statements to do that to, as all of the statements attached to the complaint were empty of purchases. Citibank then sent me a letter stating that because I didn't circle which purchases weren't mine on the statements, they concluded the purchases weren't mine which is disengenous to say the least since I never had them.

I am beginning to suspect that Citibank has no records related to why I supposedly owe them $ 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 2020-07-09
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 applied for a loan today XX/XX/20 and I was not approved because of an account called XXXX Card for a a balance of {$11000.00} reflecting badly on my credit history. I didn't know this account was even on my credit report before today I'm not they type of person that checks their credit report regularly. This account is not mine ; It was not opened by me and I never allowed anyone to open it in my name so I don't know who is responsible for this account. I do not have any contract with that company and I did not benefit anything from this account such as money, goods, services or any other benefit and I never made any payments towards it. I already filed a police report regarding this 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 2020-05-20
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Debt Collector Navient Keep getting annoying phone calls. I sent a letter to them on XXXX XXXX and still getting the annoying calls. The calls will be at least three to four times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving literally dozens of calls for the last few weeks, day and night. They are from many different phone numbers, many with a XXXX, FL ID. Here are a few of them : XXXX ( XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, and more. They are asking for someone I do not know. I looked them up and see that they are a debt collector named sequium that I know nothing about and I have no debt myself, I never have. Every time I have been called by a debt collector over the last 50 years, they were always, always, always looking for someone else that I have never known. Now they are still calling me and my caller ID says : No Caller ID. They called me at least five times in the last few hours with the No caller ID showing on my mobile phone. They are harassing me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On Wednesday XX/XX/XXXX I called Transunion and asked to speak with the special handling department, before being transferred i was interrogated by a representative as to why I wanted to speak to someone from that department, I felt as though I needed to give her a good enough reason or else she would deny my request. After I stated politely that someone in that department could only help me she questioned me again, got silent after I didn't reply and she just transferred me rudely. At that time I began to speak to someone by the name of XXXX. I let her know that my call was in regards to a Transunion error and that I noticed newly re-inserted inquiries on my report in which I was not given prior written notification and that I wanted the hard inquiries permanently removed. I told her that the following inquiries needed to be removed because they've caused damaging affects to my credit report and score : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The representative constantly went back and forth with me stating that I have to make a dispute with the creditor when I assured her that it was an issue/error on Transunions behalf and that they violated Sec 611 of the FCRA. She refused to remove the inquiries.

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 2020-10-26
Company: EQUIFAX, INC.
State: PA
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 have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Central States Recovery, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was never contacted by Central States Recovery. However, they later listed four debts in XXXX on my credit bureau. These debts are listed as medical debts from XXXX, XXXX, and XXXX. These debts are clearly outside of the statute of limitations. Further, the reporting of the debts constitutes both communication and their intent is to attempt to have me pay the debts which could be classified as a demand on a debt that is outside of the statute of limitations. An action that is clearly in violation of the FDCPA as well as the Fair Credit Reporting Act, state law, and case precedence. 

I am consulting with an attorney for possible legal recourse against Central States Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: RentDebt Automated Collections, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This {$640.00}. amount in collections from a past rental lease in 2015 was never owed. 
I lost my job in XXXX. The lease, when terminated, was current. The apartment complex kept the full security deposit. When vacating the apartment, the manager said I was paid in full. The check-out form was signed by myself and the apartment manger. This form was kept by the apartment complex. I have asked RentDebt for a copy of the final form and they have refused to comply with my request. 
The debt is not and was never owed. 
This collection amount should be removed immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
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:
I paid off the loan -- in full -- on XX/XX/XXXX ; that's the day XXXX delivered the check. XXXX XXXX XXXX claims they didn't credit the account until XX/XX/XXXX. 

XXXX XXXX XXXX told me it takes them 30 - 45 days to update their system ( which is outrageous because they IMMEDIATELY report if I miss a payment ). 30 days from receipt of the payoff check would be XX/XX/XXXX. As of XX/XX/XXXX, XXXX XXXX was still reporting the loan open and now 90 days late. On XX/XX/XXXX ( after 45 ) the account was still listed as open and 90 days late on my Experian report. 

As of XX/XX/XXXX, XXXX XXXX XXXX still reporting the account as open and late to Experian and XXXX ; thus harming my FICO score and my individual credit rating at Experian and XXXX at 60 days since I paid off the balance.

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