BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-09
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: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-09-11
Company: CARS Acquisition, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
Purchase date XX/XX/21 Still no license plates Dealer agreed to fixing vehicle and has not

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Called Wells Fargo Bank to get a mortgage payoff amount and the address to send the funds to. Bank provided an address in XXXX XXXX. Sent a cashiers check by certified mail XXXX to make the XXXX XXXX deadline. Called on Monday XXXX to check on the process. Wells Fargo indicated that the address provided was incorrect and it was our problem to sort it out. They deliberately provided the wrong address to delay the payment and garner more fees. Wells Fargo has been difficult about the pay off from the beginning and just looking to rack up fees.

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 2022-03-09
Company: Advanced Recovery Systems, Inc.
State: MS
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:
In XXXX, I was transferred to XXXX XXXX Hospital in XXXX, MS from another hospital. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had XXXX insurance at the time. I gave all my insurance information. My insurance was filed, and XXXX paid XXXX XXXX. Later XXXX resended the payment stating out of network. When it is an emergency XXXX, I was told you couldnt do that. Fast forward. XXXX XXXX sent bills to an old address. I was not notified of this until XXXX. I was notified by Advanced Recovery Systems in XXXX, MS. XXXX was the man who called. He stated that I had received a check from XXXX for XXXX. I stated to him I didnt know what he was referring to I had not received any check from XXXX . He was very ugly, and hung up. Fast forward to XX/XX/XXXX. While at work, I was served a garnishment in the amount XXXX. It was served by XXXX Law Firm in XXXX, MS. Advanced Recovery Collections had turned it over. I called Advanced REcovery, and spoke with XXXX. He stated to me that by law XXXX XXXX had to write the balance off since it was an emergency XXXX. He stated to me that he would accept the write off, but I needed to pay them XXXX  in fees. He stated that if I could not pay off the XXXX  in full the garnishment would be for the full amount of XXXX  even the XXXX XXXX that has been written off. I have been having my check deducted since XX/XX/XXXX. I have paid XXXX to them. I do not believe this is legal. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I found a creditor on my credit report that was paid. I submitted a BILL and then the RECEIPT to the claim. It not only took over 30 days I contacted them via email and phone calls pointing out they exceeded the 30 days + since I provided the necessary information there was NO reason to not close this case. While I was forced to download - or upload additional information my personal information was breached! I want this paid account removed from my credit file. Exquifax allowed hackers to get my personal information while they delayed resolving my issue with a paid receipt! NONE of this should have happened. Since this I have had to switch phone carriers - close bank account- email is constantly attempted hacking - someone is after my GOOD credit - all because of exquifax - this issue was removed by XXXX once I provided information but not with exquifax, they delayed this beyond 90 + days! Then decided with creditor - during which they allowed my credit file to be breached! The radiologist payment - thru insurance went thru the XXXX XXXX AND right after they say I owe money XXXX XXXX AFTER I paid what the radiologist said I owed sent me a refund of almost {$500.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
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:
On XXXX/XXXX/17, I received and alert that a new credit agency reported. I looked and it was Portfolio Recovery. Per FCRA guidelines they are to contact me prior to reporting this alleged debt. They have NOT. This has tainted my good credit history and my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: Experian Information Solutions Inc.
State: IL
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 A VICTIM OF ID THEFT. PLEASE REMOVE THE REMAINING FRAUDULENT STUDENT LOANS AND OTHER ITEMS LISTED ON MY FTC REPORT FROM MY CONSUMER FILES.

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 2019-08-06
Company: EQUIFAX, INC.
State: OR
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:
I allowed Equifax mortgage to run my credit on XX/XX/XXXX but I did not give them permission to run it twice. This is affecting the amount of hard inquiries are on my report. I attempted to resolve this with the company but they said it would not affect my credit and refused to correct the error

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: CORELOGIC INC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I spoke on the phone to XXXX XXXX XXXX on XX/XX/17  whom I have my mortgage with, I was told that they could lower my interest rate, and I told them there were a lot of companies telling me the same thing. I agreed that they could pull my credit, but never saw them on my credit report, but did see XXXX/ Credco on all three of my credit files. I did not authorize XXXX/Credco to pull my credit, when I contacted them they told me that they were a third party and they had a software that other companies used. XXXX did not mention anything about this,. XXXX should have informed me that they were using another company, if this is what they did, but XXXX nor Credco/XXXX have anything in writing from me given them authorization to pull my credit. XXXX /Credco refuse to remove this inquiry.

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 2019-05-12
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
RoundPoint Mortgage Servicing Corporation is ( 1 ) wrongfully force placing insurance ( 2 ) charging a fee even when we prove that insurance has always been in place ( 3 )  attempting to attach other assets we own. 

Whether this is a systems issue, or an intentional issue is difficult to know. 

They actually pay the insurance we have out of an escrow account they manage ; and yet claim no insurance exists, force place insurance, and then when we send the insurance to them that they should already have, they only return a portion of the premium they force placed. 

Additionally, they have claimed to be an insured on other property we own that they have zero interest or loan on for two consecutive years.

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 2022-03-09
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
MY FEDERAL STUDENT LOANS WERE FORGIVEN IN XXXX OF 2022. THEY ARE STILL CURRENTLY REPORTING ON MY TRADELINES AS BEING OPEN AND UNPAID. I AM REQUESTING HELP THAT FEDLOAN SERVICING REPORT MY BALANCES AS PAID IN FULL AS THEY ARE NO REPORTING ACCURATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I am meticulous about paying bills on time, and in mid XXXX of XXXX I sent off a check for the rough principal balance remaining on my account plus an extra amount for what I expected the accumulated interest to be, a total of {$1700.00}. My intention was to slightly overpay, and I assumed they would then send me some sort of document detailing the fees to pay off, recording, reconveyance, whatever. They received this payment XXXX, well before the due date of XXXXXXXXXXXX. Inexplicably, they returned the UNCASHED check to me by overnight mail, with a cryptic note saying only that I sent the wrong amount, and should send replacement funds-but no indication of what the correct amount was. I immediately called account services and was told that someone " assumed " I was trying to pay it off, so sent my check back to me. Disgusted, I asked the customer service person what the payoff figure with all fees would be, was told It was {$1800.00}, which I immediately sent and which they cashed on or before XXXX-I do not yet know the precise date but the automated account information indicates the account is paid in full and closed as of XXXX. The customer service rep, " XXXX '' could not explain why the initial check was sent back to me unprocessed, why they had not attempted to contact me by mail, telephone or email before sending it back, or why they did not include the actual figure they wanted but assured me that this payment would not be considered late. All should have been well, except that today I received a billing indicating that my XXXX payment was past due. I am beyond angry and frustrated, and my greatest concern is that this was or will be reported as a more than 30 day past due mortgage account, due no fault of my own. I have not uploaded any document, but certainly have the first and second letters from Bank of America.

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 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$9500.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than XXXX times. transunion 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 year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2021-04-18
Company: Medical & Professional Collection Services, Inc. NC.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XXXX of XXXX contact them about the debt they say I owe them and the original creditor had a very small balance than this company say I owe them. They have use this to hurt my credit. They would not even accept a pay for deletion to remove the from my credit file. This debt was in XXXX reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
During this default period where I had been out of work and hospitalized I fell behind on my payments. I corresponded with the mortgage company informing them of my hardship. Most recently my employer put in an application for me to medically retire. My intention was to begin making payments until this happened but I couldnt because I was waiting for additional income to go through which is a process and I have been making Home repairs. I explained to my mortgage company this sudden decision forcing me out of work. They have since referred me to an attorney who filed a motion with the court for foreclosure and now Im currently in a modification process. Im in an Underwater Loan for my house. Ive asked that they lower the amount owed on this house and they havent. The house next to me just sold for {$20000.00} and my mortgage company has a balance of {$160000.00} which is owed.XXXX XXXX XXXX also has a lawsuit that was filed against them last year for putting customers into foreclosure and denying them modifications. Ive lived in my house for 39 years, have had setbacks and even sent in my medical documentation in hopes of a foreberance to take my Home out of foreclosure. The law firm that they are using has improperly submitted paperwork listing this lady as a Lein holder when that child support debt to her has been paid XXXX years ago.

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 2017-11-05
Company: Experian Information Solutions Inc.
State: AZ
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 contacted Experian and advised them that I had identity theft. I filed a police report and Experian is stating they ca n't block it from my credit report because I did it online. I went to the XXXX police department and they said the police report is valid. I stayed on the phone with experian for XXXX hours and spoke with XXXX XXXX XXXX XXXX and XXXX. Everyone kept putting me on hold and never resolved the issue XXXX told me that he could n't block any of the fraudulent accounts because the report has been done online and the police said it 's not true. XXXX HUNG UP ON ME TWICE. I am a victim of Identity theft and this is depressing that experian wo n't help and they are reporting fraudulent information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-09
Company: CNG FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I called Check n Go on XX/XX/2021 at XXXX and did not talk to a representative until after XXXX, I informed them they had taken the money from my Acct. 3 days early causing an overdraft. They requested proof and I sent a screenshot of my bank acct web page showing their charge to my acct with the words OVERDRAFT and the charge of {$35.00} on my account. They responded a week later by sending me a collections letter. The bank returned the charge to them. They want full payment, I want restitution. They caused the problem and broke the contract I had gone into with them in good faith and they broke that good faith by trying to take the money 3 days early. They should pay a penalty to ME for causing me economic distress, lost time, unnecessary stress and now causing harm to my credit due to THEIR negligence. We have no agreement since they violated the contract. I feel I have no duty to reward them with repayment in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX, I sent a dispute to Transunion and all items in question were deleted. As of the credit report received on XX/XX/2022, I found a deleted account that was reinserted on my credit report. This is a violation to my rights according to 1681i ( B ) ( ii ) - A written notice of reinsertion must be given no later than 5 days after the reinsertion and 1681i ( B ) ( i ) - Information cant be reinserted without the information being reported 100 % complete and accurate

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 2019-06-27
Company: Comerica
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I have tried several times to speak with them through email and the woman that replied and refuses to respond to any messages or answer any questions.. calling direct express over the phone proves to be difficult ... I still have transactions that I did not make them because she's ignoring my messages more Time is passing and I won't be able to dispute these charges if I wait any longer ... The last set of disputes that I did I never got a letter I got one letter stating that they didn't see no error. Yet the charge was made in XXXX all of their letters always state that they see no errors. I'm now speaking with a supervisor XXXX i'm still getting nowhere. 
I can only speak through email because I am mute. It is better for me that I can explain myself what's going on ... can someone please take the time to speak to me through email.

Company response to consumer: Closed with explanation