BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-18
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Wells Fargo closed the account without my permission.

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 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX. XXXX XXXX ac # } XXXX { Reason for Dispute } THIS ACCOUNT IS NOT MINE. I HAVE NEVER SIGNED APPLICATION OR OBTAINED Credit. This has been Removed before and now it's been added Again

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 2020-07-08
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020, I contacted my mortgage servicer, Rushmore Loan Management Services as they increased my monthly payment by {$100.00}. The customer service representative XXXX, indicated to me that the increase was due to an escrow shortage. This is the second time in 14 months that Rushmore has increased my payment due to a claiming an escrow shortage. My county taxes and home owners insurance has NOT increased in that time period, the previous increase in payment to cover an escrow shortage would cover current taxes as again, they have not increased, the {$100.00} per month increase annualized is {$1200.00} which is 50 % of my county taxes ( an impossible account shortage ), Rushmore is charging a {$65.00} " Recoverable Advance '' for non-escrow related expenses but will not provide what those expenses are. I requested an audit of my escrow account, Rushmore refused and when I asked to speak with a supervisor, they hung up. It is clear that due to liquidity crunches in the mortgage servicing space, Rushmore is illegally billing current customers in an attempt to collect unjustified expenses. Further, I have not received prior or current notification of any kind, regarding an escrow increase as is required by statute. Rushmore refuses to perform an escrow audit, justify these increases and expenses and as well, is in violation of CFPB and California State Regulations. I request a full audit of my escrow account, Rushmore Loan Management Services practices and a remedy to my monthly payment. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX and XXXX XXXX XXXX is reporting fraudulent accounts on my credit file I have never entered into a credit transaction with either person XXXX Therefore reporting these accounts as a tradeline is a violation of XXXX XXXX XXXX the information furnished to my credit file is misleading it appears that I entered into a credit transaction with XXXX XXXX XXXX and XXXX XXXX XXXX. Also reporting these fraudulent tradelines to my credit file with extortionate intentions to blackmail, abuse, and harm me is a violation of 18 USC 894 lastly the XXXX, Experian, XXXX is conspiring with XXXX XXXX XXXX and XXXX XXXX XXXX. See attachment

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 2023-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Dear Sir or Madam : This involves 2 credit cards issued by Capital One in which i was charged a late fee of {$28.00} for each card in XX/XX/2022. 

Card one : Capital One Platinum XXXX Card two : Capital One Walmart XXXX My due date XXXX fell on a Saturday. When i attempted to make payment on XX/XX/XXXX - their calendar date only had the following Monday and process date of Tuesday because banks do not process payments on weekends. I filed 2 separte complaints with the XXXX  and one with Texas Attorney Generals Office of Consumer Complainst. All went unanswered and cases were closed. I also called XXXX and they refused to issue me credit. 
I in good faith attempted to pay on my due date and was charged a {$28.00} late fee. I am requesting that a refund be issued to both my credt cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have contributed for years to dispute this error on my report. XXXX XXXX XXXX XXXX is not properly reported on my account. This has been validated as fraud. I've worked with XXXX XXXX and Police Department. 

The XXXX is not running a complete investigation and this his prohibiting me to purchase housing from my family. 

Please remove this fraudulent account so we can purchase a home.

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 2019-11-11
Company: JPMORGAN CHASE & CO.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Chase Bank reported me to the credit bureaus for a missed {$5.00} missed payment. I have been a customer of Chase for 11 years and never use this card. When I receive notification through my XXXX  credit monitoring service that Chase reported me for this missed payment I immediately paid it and attempted to speak with a Chase representative to have this taken off my credit report. I had no idea I had a missed payment because this card is so rarely used, and have never had a missed payment with Chase before this. They refused to remove this from my credit report, despite the fact that it lowered my credit score by 78 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Fairway Independent Mortgage Corporation
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
We closed last Thursday, got the clear to close, closing disclosure, everything. At the closing table the buyers wire hadnt cleared yet, he showed proof. They wanted to wire me my profit. I felt hesitant but did it anyways. Was told the money would be in my account by the end of that day. Turns out there was a condition on the loan. Here it is a week later. Ive been given the run around since closing. The processor quit the day before closing and they allowed us to close without making sure everything was fine on their end. So my house is still in my name, the buyer is living there for free, my home has had no insurance since we closed. And the funds still havent been approved/distributed. This is absolutely ridiculous. They made a mistake on their end and it should have been fixed Monday! This is so unprofessional and has had caused so much stress and if not resolved I will be getting a lawyer. They need to fix this, I dont care what they do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, 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'm filing this complaint because this creditor has ignored my request to provide me with the documents their company has filed that were used to verify the accounts I disputed. They have also gone past the 30-day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can't be verified. '' I have disputed. Please resolve this manner as soon as possible. Not only is the company reporting wrong information, but the accounts are also in FCRA violations. I've even provided factual proof to the company reporting many accounts. I hope we can solve this, as it hurts my overall credit willingness. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: GB Collects, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2021, I received a debt collection notice pertaining to an outstanding balance for a previous auto insurance policy. I had no prior knowledge of the amount and was caught completely off guard by the collection notice. 

I have never received any written notice or telephone calls from my former insurance agent about the alleged debt and switched my auto insurance to a different company. Before doing so, however, I waited until my policy expired. There was no money owed at the end of the policy.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Data Mortgage Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The mortgage company said my escrow was short and they had to bill me more, I filed a complaint saying it was wrong, they answer the complaint with consumer finance government saying they was correct and I was wrong, consumer finance closed out the investigation saying they answered. However a month later mortgage company came back after I have been paying increased amount because of the escrow shortage which it never was to say my escrow was a surplus and too much was paid by their calculations. Now they are saying I am storage again for the last 90 days my mortgage has increased. They are stealing or misapplying monies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Transunion is reporting incorrectly a collection in the amount of {$11000.00} on XXXX XXXX XXXX partial account number XXXX. The original creditor is XXXX XXXX XXXX. ( Please see page attached from my credit report. ) After my original lease expired I moved from the apartment complex. My account upon leaving was in order and in good standing. I never signed a renewal lease agreement and clearly XXXX XXXX XXXX has made an error and attached this collection to the wrong person and account. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this line item 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
Consumer complaint received 2023-07-10
Company: EQUIFAX, 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 appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Please delete the accounts below : XXXX XXXX XXXX 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 2015-11-09
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've contacted Equifax for an error in my credit report. There is an account that does n't belong to me, and I have explained to them I dont recognize this debt or owe any money to this creditor. If valid it would have been paid. have become a responsible consumer and this is an unfamiliar debt to me. Moreover, this debt appears to be past the Statute of Limitations. However, they insist in keeping in it there. I contacted XXXX for this exact same error also, and they concluded the account is not mine, and removed it from credit report. How is it possible, XXXX credit agency has determined there is indeed incorrect information, verified the account and removed them, and the other company just neglects all this? Please assist in contacting Equifax and getting this sorted out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: Netspend Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
An unsolicited card was sent to my XXXX XXXX XXXX daughter. We do not consent to this card. However, when I try to contact the company, I can't get through to anyone without entering her SSN. This I will not do! XXXX XXXX should not be issued to underage children without consent. We should be able to cancel without giving personal info.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: EQUIFAX, 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:
These accounts are not my accounts they are FRAUDULENT Im not the XXXX  XXXX XXXX e.g XXXX XXXX, I dispute all of the accounts listed below as FRAUDULENT ACCOUNT XXXX/XXXX {$2200.00} # XXXX/JOINT ACCT, XXXX XXXX  XXXX XXXX {$1300.00} # XXXX, XXXX XXXX XXXX XXXX {$390.00} # XXXX AS FRAUDULENT ACCOUNTS and the Inquiries are disputed as FRAUDULENT Inquiries as FRAUD XXXX XXXX XXXX-XX/XX/XXXX &XX/XX/XXXX, XXXX  XXXX, XXXX XXXX, XXXX , XXXX  XXXX and the FEDERAL TAX LIEN # XXXX XX/XX/2017 {$31000.00} I DISPUTE ALL OF THE ABOVE ACCOUNTS AS FRAUDULENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27
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: Personal information incorrect

Complaint:
This is my second complaint with XXXX and Equifax on why these addresses that do not belong to me are reporting on my credit report. XXXX is reporting the following addresses that have never belonged to me : XXXX XXXX XXXX XXXX, TN XXXX and Equifax is reporting the following address that does not belong to me and I have never lived at : XXXX XXXX XXXX XXXX, TN XXXX I have sent letters every month for the past three months and they have not sent me any update on removing these addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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:
In accordance with the Fair Credit Reporting Act XXXX  Accounts, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX. 
# XXXX, XXXX XXXX XXXX. 
# XXXX The XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX Has Violated my rights! 

15 U.S.C 1681 Section 602A 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 with out 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 2018-12-16
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I started to take out loans XXXX and went to different schools and ended around XXXX. I have been trying to repay my loans the whole time. I found out I was battling XXXX   XXXX ( XXXX, XXXX and XXXX ) and it was hard to keep a full time career. Even though I have Higher education, it was these issues that kept me down. They first, did not tell me or inform me how to make proper decisons before taking out the loan. I also had XXXX XXXX and he kept using my social securtity number to take out loans. I kept telling them this and they refused to listen to me.Basically, because of all these i have been trying to get SS XXXX and became bankrupt during the process. I can not pay of any of it back and thus far have ruined my entire life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
An organization by the name of XXXX XXXX out of XXXX, XXXX  misrepresented a colored diamond investment to me and as a result I have an invalid charge on a Major Credit Card with the following institution ; Citi. A Record of the charge is listed below and receipt for the charge is attached. Also attached is an entire history of this fraudulent transaction as well as a local police report, request for documentation by XXXX  Police, a Press Release testifying to the arrests of 5 individuals from XXXX XXXX and an FBI referral by the XXXX Police.

Despite this documentation this institution has refused to honor the Fraud Claim, a letter from the institution is attached.

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 2018-09-30
Company: JPMORGAN CHASE & CO.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX do not agree with a collection process initiated against me. There was only a letter from XXXX XXXX XXXX XXXX XXXX, stating that they have been hired by Chase Bank XXXX XXXX, without proof of transfer. The Federal Trade Commission made it clear in a decision against a national debt collection agency in 2009 ( FTC XXXX XXXX XXXX XXXX XXXX that a collection must show proof, i.e. a written transfer of information and the right to collect on a debt. My rights have been violated under the Fair Debt Collection Practices Act. XXXX has posted a collection on my credit bureaus without first submitting proof that they had the right to collect on a debt. I am not disputing that there was an obligation owed to Chase Bank USA N.A., what I am disputing is the egregious act of destroying my credit without going through a legitimate process. I have already been a victim to an FDCPA violation and a violation of the FTC mandate to validate a collection, as well as showing proof that the collection is well within state guidelines where I reside. Since I am a full time member of the United States XXXX XXXX, I take my rights serious, as much as I take my loyalty to the United States. Therefore, I believe XXXX should accept a settlement in the amount of {$200.00}, and state on record that any reference to me personally on all pertinent credit reporting agencies to delete all information against me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-24
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:
There is information that is all my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of facts by me relevant to the request to block the identified transactions .The identified transactions are not information related to any transactions by me as the consumers. 
XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX. {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Says I owe {$1100.00} for a XXXX XXXX mobile home park but I dont know where this came from and from the look of things they have the wrong year for my date of birth and it keeps disappearing on my credit and popping back up.

Company response to consumer: Closed with explanation