BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-27
Company: PHH Mortgage Services Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I attempted to pay-off mortgage after being a few months behind to close loan. On XX/XX/XXXX, I contacted PHH Mortgage Services, XXXX XXXX XXXX, XXXX. XXXX, NJ XXXX to inform them I was going to pay-off loan and requested a pay-off amount. At this time, PHH did not establish the fact that my home was in foreclosure. I was told that a loan pay-off request was made an that it would be emailed to me. I waited until XX/XX/XXXX to see if the pay-off statement would be received in my email and it had not. I contacted PHH again on XX/XX/XXXX and inquired as to where my pay-off statement was as I had not received it. The individual stated that it was in the system and entered another request for a pay-off statement. I had not received and contacted PHH again on XX/XX/XXXX and they said to wait 5 days. I contacted PHH again on XX/XX/XXXX after not receiving the pay-off statement and they stated it was in the system. Loan Number XXXX On XX/XX/XXXX, I received a letter from PHH dated XX/XX/XXXX stating my property was in foreclosure despite my attempts to completely pay-off mortgage loan on XX/XX/XXXX. I contacted PHH, XXXX XXXX - Tel. No. XXXX, XXXX, who is identified in the letter dated XX/XX/XXXX with the statement about being committed to working with me. She said that I would have to contact the PHH Collection firm who was assigned the case - XXXX, XXXX, XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NJ XXXX, Tel ( XXXX ) XXXX. 

Not much help from XXXX XXXX despite my attempts to pay off mortgage completely. 

I have the impression that the passing of the loan to a collector is only to enrich the Collector and others and take advantage of a XXXX XXXX XXXX XXXX XXXX. 

Please look into this provide some help as this is really uncalled for and disrespectful to a XXXX. 

Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: EQUIFAX, INC.
State: OR
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:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: WELLS FARGO & COMPANY
State: OH
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:
On a letter dated XX/XX/2021 that I received via mail, it stated that Wells Fargo closed my credit card account as of XX/XX/2021. It stated the reasons why it closed my account which is as follows : 1 ). Amount owed is too high relative to the credit limit on too many credit cards 2 ). Percent of credit accounts with late payments of 30 days or more 3 ). Bank card balances are too high relative to credit limit I had paid off my total balance on this credit card months ago. The first and third accusation are not true or accurate because of this. Also the second accusation is not true because I was never late on payments since my account was on autopay. When I called Wells Fargo credit card account services the representative told me the 30 or more late payments accusation had nothing to do with Wells Fargo. That in itself does not make any sense whatsoever. All she told me was that Wells Fargo had deemed my account too risky to keep open. 

I believe my credit score and report has suffered because of this closure.

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 2019-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
On XX/XX/2019, I discovered that Capital One Bank had closed my account and reported me as "deceased" to credit monitoring agencies. I have told Capital One Bank that I am alive and well.  I have filed disputes on the report from Capital One Bank with XXXX, XXXX, and XXXX. At this point I have great concern that Social Security thinks I'm dead as well and that I may not get my scheduled benefits. I am unable to log in to my Social Security account online, so will try again on Monday to contact them. At first I thought this rather humorous, but if I have problems with Social Security benefits it won't be funny at all. I suspect that this has happened as a result of the massive data breach that occurred at Capital One Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My name is XXXX XXXX and I attended the Institute of art in XXXX MA in XX/XX/XXXX and XX/XX/XXXX. I am looking for relief from a private loan that has been existent since XX/XX/XXXX. The financial process has become unbearable with Navient and I am honorably requesting a relief from this loan. The loan was payed faithfully for over 10 years and it seems that it barely affects the balance.I did not attend after XX/XX/XXXX and I have run out of options for getting help, so I will seek further sources but I'm presuming that this school had control over this loan. Please email me with any information to relief this redundant debt that has left a mark of struggle for years. I will provide the loan detail with response and trust.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
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 belongs to someone else

Complaint:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this.

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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX XXXX acct # XXXX balance- XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A. Section 2. Also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make a consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. My rights have been violated and I need them to remove this account asap

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 2023-10-06
Company: CITIBANK, N.A.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I woke up this morning trying to buy food for my kids just to find out they locked my account and now talking about, I have to wait on a reference number for the 50th time in 2 months! But always wan na charge extra for the XXXX account. I asked the representative to tell my why my account is lock but they all just hangs up on me!!! I want my money out this account and this account closed!!!! I absolutely hate this bank with a passion

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 2023-01-24
Company: JPMORGAN CHASE & CO.
State: TX
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 XX/XX/2023 jpmcb-card services got a copy of my XXXX report without my conset i did not appy or try to apply for any credit please remove from my report also im requesting evidence to surport the inquriy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23
Company: Experian Information Solutions 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been an encounter going over this and I am submitting this complaint AGAIN to remove the following fraudulent accounts in my file that are reporting on Experian Credit Bureau. I would like to request the suppression of these accounts from my credit report, which is the result of a fraudulent item origination and identity theft. I have already done my part by sending my documents like my DL, SSN, Address, and the dispute letter I sent to Experian. Also, I have sent my FTC report but still, nothing has changed. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt PLEASE DELETE IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-08
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I mistakenly deposited a large check into my Citi credit card account instead of into my Citi checking account. ( By the way - I owe nothing to my credit card. ) This happened nearly 3 weeks ago on XX/XX/XXXX. I called CitiBank on XX/XX/XXXX and told them that I had mistakenly deposited the amount into the wrong Citi Account. I was assured that the check would be deposited into my checking account immediately. After a week, the error had not been corrected. I call back and was unable to find anyone who could explain to me why the check has not been deposited correctly. It has now been nearly 3 weeks and the bank refuses to return my money. 

This is an accounting error and Citi bank is holding a large sum of money hostage without explaining why or explaining when the money will be returned.

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 2023-07-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2018-08-13
Company: EQUIFAX, INC.
State: MI
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 been in Payment Agreement with XXXX XXXX XXXX a who purchased debt originally owned by XXXX/XXXX Since XX/XX/XXXX. I have made onetime monthly payments to them for outstanding amount reported on my XXXX   Credit report. However two conditions are not being meet under FCRA, # 1 the payments being applied are not being reflected in my credit file therefore changing the status as " current '' AND # 2 The amount due as reported online is not going down based upon timely payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello--I have tried to "permanently remove a security freeze from (my) credit report" at specifically Equifax in order to purchase a XXXX Contract; but Equifax will not allow me to do this through their Online and Telephone Consumer Credit portals. I have tried 8 times Sat (XX/XX/2019) and 4 times Sun (XX/XX/2019) -- each time following their instructions, namely:Per the "XXXX" website, I first created an online account, only to receive this message 12 times in 2 days (see above dates reference:) "Please give us a call -- We can't complete your request at this time. Please call the Customer Care team XXXX   Customer Care is available between XXXX XXXX.XXXX. and XXXX (ET), 7 days a week."I then, per their instructions referenced above, call the provided phone number (XXXX) and follow the automated voice instructions during the call, namely:A-Provide the reason for the call (#5-Other) and (#4-Agent) and (#0-Agent); and thenB-Provide "4-pieces of information to verify (my) identity," (i.e. #1-Mobile Phone No., #2-SS No., #3-Numeric Street Address, #4-Zip Code). After providing the information requested by the automated telephone prompter, I have received this message 12 times: "Unfortunately, the system is unavailable right now. Equifax.com is available 24/7 to answer questions and provide additional self-service options. Goodbye."Additionally, I also went to XXXX/ "Frequently Asked Questions" webpage, to the "Customer Care for your Equifax credit report" section, and called the "Customer Care Phone No. XXXX" and got the same previously described automated telephone prompter system that gave the same message (indicated above).Consequently, as a Credit Consumer, I cannot access Equifax whatsoever, either online through their provided "Consumer Create an Account" Online System, or by their own provided Customer Care Telephone Number through an automated voice identity verification system so that I may "permanently remove a security freeze from (my) credit report."

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: Radius Global Solutions LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX XXXX XXXX, and noticed there is an inaccurate account and/or item on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature. 


Radius Global Solution collection account is fraudulent Original Creditor is XXXX  XXXX XXXX and the account was paid in full on XX/XX/2020. Please find the attached receipt from 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 2023-01-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-02-27
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have been paying {$24.00} for Experian 's credit works product. I decided not to renew for month of XX/XX/2017. 
Now I can not log into my membership portal to retrieve past credit reports from 2017 which i have paid for. 
I called Experian 's membership phone number which always has over an hour wait. ALWAYS has over an hour wait regardless of what day or time I call. 
The representative informed me that I can access the portal to view my reports and Information I have paid for my converting my membership to a free membership. She said there is a link at bottom of page. 
Problem is, you must be able to sign on first, So you see whats going on. 

When I first signed up for Experian 's credit works, there is nothing in the contract which informs me that I will not have access to my paid products once I cancel. 

Experian has it set up where you must pay first before being able to log in. In essence Experian confiscates the credit reports I have paid for to force me to continually paying. Sounds like a serious issue here. 
Experian will likely try to claim that if I call the membership support number, they can provide me with a way to re-establish the free service or a way to access the portal. However, that is NOT reasonable for anyone if they continually have OVER A 1 HOUR wait. They don't even offer a call back option.

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 2023-08-15
Company: Experian Information Solutions 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:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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