BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-24
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 tried to refinance my car today XX/XX/2020and when they ran my credit, they told me that I did not qualify because of my poor credit. My loan officer went over the accounts that were reporting negatively on my credit and none of those accounts belong to me ; I did not open any of those accounts nor did I allow anyone to open these accounts on my behalf. I still don't know who opened these accounts but I already filed a police report. I did not gain anything from these accounts such as money, goods, services or any other benefit. I did not make any payments towards any of these accounts nor did I make any purchases. I do not have any relationships or contracts with any of those companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-09
Company: FIRST GUARANTY MORTGAGE CORP
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have talked and emailed XXXX XXXX of First Guaranty Mortgage Corporation, my interim Draw Administrator concerning the Monies were not used to pay subcontractors and the percentages that should have been 100 % as per the First Guaranty Mortgage Inspector. all the issues below since XX/XX/XXXX.  I have asked XXXX XXXX for a copy of the Inspectors report and still have not received that document. 

XXXX XXXX XXXX the General Contractor has {$40000.00} of my monies is in his bank accounts. His partner, and himself ended their business relationship on, XX/XX/XXXX. At that same time, XXXX XXXX XXXX, Also he took {$9000.00} from wife and myself as he said it was needed for the excavation contractor. I have asked XXXX XXXX for the signed Lien Release and still have not received that document. 

. During the Reorganization at First Guaranty Mortgage Corporation ( FGMC ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX, and the change of service administration to XXXX XXXXXXXX a construction management company, who my contact is now XXXX XXXX phone number XXXX. The past Draw administrator let XXXX XXXX XXXX have 100 % of several Line Items which is an error on the FGMC, Draw Administrator during that period. I have contacted the VA Loan Office in XXXX and opened the case # XXXX and have mentioned that this problem is a fiduciary miss management and possibly with criminal intent. I was told to contact the VA administrator for First Guaranty Mortgage, XXXX XXXX, at XXXX and have not heard from her at this point. 

The construction has stopped and XXXX XXXX XXXX no longer involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of Identity theft and have been for several years. In spite of this I have debt collection agencies who continue to put false inaccurate information on my credit report. These collection agencies have been given proof countless times on these false inaccurate collections on my credit report. They have removed and added them back on my credit report. They are in violation of the FCRA and refuse to provide original signed contracts that prove that the information is mine. I have given them documentation that supports my identity theft claim. They have failed to remove these false collections

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have recently closed my accounts at Bank of America. At some point in my decade of using that card, I was signed up for a credit card which I used periodically. In any event, I used a few times and did have a rewards balance of {$18.00} which I believed could be redeemed for cash. Upon closing my accounts, BOA ( via representative XXXX XXXX of Virgina ) told me that they could only give me the reward if I had {$25.00} in rewards balances or more. This is misleading, as that information was not clear from their advertising or any documents I was given. Although it's not a lot of money for me individually, this Bank 's " rewards '' policy likely is very rewarding to BOA collectively.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
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:
XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$320.00} past due as of XX/XX/XXXX 
Account TypeCollection Balance {$320.00} Date XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$120.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$120.00} Date OpenedXXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$3100.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$3100.00} Date OpenedXXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$1800.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$1800.00} Date OpenedXX/XX/XXXXDispute Revolving Accountsshow tooltip button XXXX XXXX XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeCredit card Balance- Date OpenedXXXX Dispute Installment Loansshow tooltip button XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeAuto Loan Balance- Date OpenedXXXX Dispute XXXX XXXX   XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeAuto Loan Balance- Date OpenedXXXX Dispute XXXX   XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
Account TypeAuto Loan Balance {$11000.00} Date Opened09/15/2014 Dispute Namesshow tooltip buttonSelect as many as apply XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addressesshow tooltip buttonSelect as many as apply XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX # A XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
During this covid-19, wallmart credit card managed by capital one bank not offering any deferred payment, on top chargeing late fees. 
I request today to delay my payment, since i am having trouble marking payment they denied to help not only that XX/XX/04 my payment due date and i called bank to waive my late fees they refused because cutover time is XXXX. Since i called XXXX so i have to pay late fees. Although all other credit card companies help me by offering deferred payment without late fees. But Capital one refuse to do so for past month on ward. Although they are saying they are helping which is not

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
A check written to the XXXX XXXX Tax Collector Treasurer for {$8500.00} dated XX/XX/XXXX was mailed by me at my local post office in XXXX CA XXXX, on or about XX/XX/XXXX, was fraudulently endorsed and cashed through a personal account at a Wells Fargo branch on XX/XX/XXXX. I saw the check had cleared my account within the week after mailing and had no idea it was fraudulently cashed by someone other than the Tax Collector until I received a default tax letter in XX/XX/XXXX from the Tax Assessor stating my taxes were not paid and I was in default. After checking to see the check had been cashed and that the tax accessor had no record of the check I requested a copy of the cancelled check through my banking institution. XXXX XXXX XXXX. My Banker at XXXX XXXX XXXX and I then filed a Fraudulent Check Complaint # XXXX and submitted all the required documents to support the claim. 
Wells Fargo has a complaint number of # XXXX. 
I also filed a complaint with the US Postal Service online for investigation. I was told by XXXX XXXX XXXX XXXX that Wells Fargo Bank had up to 120 days to resolve and refund my {$8500.00}. As of the date of this complaint ( XX/XX/XXXX ) I have only received an automated message that my claim is pending research and there is no timeframe for resolution. I have all the documentation to support my claim and would formally like to file a complaint with your agency to help me resolve this issue. Please let me know if I can provide any further information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2017-11-28
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:
XXXX XXXX, XXXX, is the last date I wrote a letter to this credit repository to dispute how incorrectly and inaccurately several items have been reported. Particular incorrect and inaccurate payment history. I clearly informed this company what their 's and the creditor 's violations are and nothing happened. There are accounts that either shows no data or blank in the payment history. Moreover, they are reporting late payments of 60 or 90 days, but there are no prior lates?! This clearly is a violation of FCRA. Informing me that these items had been verified even though the incorrect and inaccurate information still shows. I kept copies of my previous credit report and a new and will not hesitate to get a legal counsel involve if these are not fixed.

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 2019-04-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2018, I was in the middle of a two week stay on the island of XXXX XXXX XXXX in XXXX, during which I did not leave the island. That day, someone without my knowledge or permission somehow withdrew {$400.00} using my pin from an ATM over 30 miles away in the mainland town of XXXX. After reviewing my transactions, I noticed the amount missing and made a police report with local authorities after leaving the island. When I returned to the US, I  notified Bank of America as I could not reach them while overseas. 

BOA sent me a letter in XX/XX/XXXX denying my claim. When I called them, they said I needed to submit additional proof in the form of a police report in order to approve the claim. I provided the documentation provided to me by the local XXXX police. Once again, I was sent a letter denying my claim. This time when I called, they said the documentation still not good enough, and now needed proof that I was not in the vicinity where the withdrawal was made. I provided the XXXX receipt of my stay on XXXX XXXX XXXX, which they told me would be adequate. I again was sent a letter denying my claim. This time when I called, they said that because I was staying in the same country where the withdrawal was made, they would not approve the claim. Exasperated by this point, I told them that my next stop was the CFPB.

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 2020-11-04
Company: ALLY FINANCIAL INC.
State: KS
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
my truck was totaled insurance is supposed to be handling this.. told debt collector on XX/XX/XXXX the vehicle was totaled ... ... ... I was told to XXXX out and they would contact my insurance ... .I have repeatedly told them they need to deal with my insurance ... ..they will not respond or take this information ... ... .My insurance has contacted them ... or supposed to ... .I need something done to stop this harassment ... Ally is the debt collector on debt # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
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: Account status incorrect

Complaint:
Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: The Law Offices of Gerald E Moore & Associates, PC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I submitted a complaint against XXXX XXXX XXXX complaint # XXXX I received a letter on XXXX XX/XX/2020 from an attorney still showing the wrong amount. 
My complaint was turned over to the XXXX on XX/XX/2020. 
I do not owe this amount. The keys to XXXX XXXX  was turned in to the assistance manger on XXXX, XX/XX/2020 at which time the electrical was also transferred to my new address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Rocket Mortgage, LLC
State: CO
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:
XX/XX/2018 - Quicken Loans called me after I was researching on their site. We started talking, then when it came to the credit information I told them not to pull my credit and I am going to wait about 6 months. As soon as I got off the phone I got a notification that my report was pulled from all 3 agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
SOMEONE STOLE MY PHOTO ID AND USE MY SOCIAL SECURITY NUMBER AND OPEN SEVERAL ACCOUNT, LEASES, LOANS AND CREDIT CARDS WITH MY PERSONAL INFORMATION 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 2019-04-23
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am being denied the right to rent an apartment due to a unverified debt from an apartment complex I lived in by the name of XXXX  XXXX almost 6 years ago. When I moved out at the time there was no apparent debt, then when I tried to move I was denied because they are on my credit report. I tried to call XXXX XXXXXXXX to find out what I actually owed the money for, and was told that the property was sold to another owner, and they had no record of the debt. I called National Credit who now owns the debt and they couldn't verify why I owed them {$430.00}. I have not agreed to this debt as of yet because no one knows why I owe this money. I never received any letter from the apartment stating I owed them prior to them selling it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I take advantage of XXXX yearly. When I applied for a home loan through XXXX in XXXX what I'm about to list wasn't on my credit report. When the final credit check was done in XXXX, XXXX six fraudulent student loan accounts were appearing on XXXX, Equifax, and two on XXXX. The six on XXXX and Equifax were created by XXXX XXXX. The two on XXXX were created by XXXX XXXX XXXX. The dates and amounts that are listed on my credit report are false. I had stopped attending school in XXXX due to a XXXX caused by an automobile accident. I had a student loan with XXXX XXXX in XXXX. This loan was paid off. The following are the six accounts by XXXX XXXX on my credit report : 1.Open XX/XX/XXXX Amount {$8500.00}. 2. Open XX/XX/XXXX Amount {$6300.00}. 3. Open XX/XX/XXXX Amount {$4700.00}. 4. Open XX/XX/XXXX Amount {$4700.00}. 5. Open XX/XX/XXXX Amount {$3600.00}. 6. Open XX/XX/XXXX Amount {$920.00}. 7.Open XX/XX/XXXX Amount {$3700.00}. 8. Open XX/XX/XXXX Amount {$1200.00}. 
Number Three and Four are the same amounts, but have different account numbers on credit report. Number Seven and Eight have had disputes filed in XXXX, but continue to remain on report. Numbers 1-6 are XXXX XXXX accounts falsely created and Numbers 7-8 are XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: Experian Information Solutions Inc.
State: MO
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:
Last year I found out that I had a lot of information on my credit bureaus that wasnt mine such as collection accounts, inquiries and personal information. I found out that my information was mixed was mixed up with a different name than mine with addresses that I never lived at in Alaska, phone numbers that werent mine and several inquiries that werent mine and collection accounts. I have had most of the info removed off my Experian report, I disputed with XXXX and they removed some personal info but not all of it, they didnt remove fraudulent accounts and or inquiries after the supervisor said they would if I added a fraud report to my bureau. I cant get online to redisoute with XXXX, it keeps saying the information Im entering to verify myself doesnt match their records thats because they might have some of the wrong info. XXXX Im having problems with the inquiries and again its impossibke to get ahold of any live representatives and or online with them. These issues have caused my scores to drop over 130 points in the past year.

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 2020-05-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I'm filing an official complaint with the 3 major reporting companies, " XXXX, XXXX, and Experian ", this complaint derives from not only me losing my wallet and important personal information, but due to the fact that I've been incarcerated for the past 8 years, only to be face to face with this nightmare of my identity being compromised. I'm respectfully and peacefully demanding that these unknown and unauthorized accounts be blocked and removed immediately from my credit file ( s ). Please remove the following # 1. XXXX XXXX XXXX # 2. XXXX XXXX XXXX # 3 XXXX XXXX # 4. XXXX XXXX XXXX XXXX XXXX # 5. XXXX XXXX XXXX # 6. XXXX XXXX XXXX # 7. XXXX XXXX XXXX XXXX # 8.  XXXX XXXX # 9. XXXX XXXX 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 2018-07-25
Company: ACS Education Services
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was charged {$3000.00} fee in 2010 and was told by ACS that there was nothing that I could do about it. I had been out of work off and on for 5 years. In late 2010 I finally found steady employment after moving to North Carolina. Not only did I receive excessive fees, but my interest rate was raised to 5 % from just over 3 %. Now ACS has changed to Conduent and apparently no longer service my loan as I tried to log on to pay my bill. I also just jacked my credit app and who ever they gave my loan to has jacked up my interest rate to 7.75 %. I need help. I would greatly appreciate assistance in dealing with these crooks.

Company response to consumer: Closed with explanation