BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-28
Company: Experian Information Solutions Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt comes from XXXX XXXX XXXX and list for {$150.00} Someone used my social security number with XXXX XXXX XXXX and set up an account and never paid for it. I need XXXX XXXX XXXX to clear and update this debt as positive and remove it from my Experian report. I am refinancing my home and I can not until this is corrected. The fair and honest thing to do is to have it removed as I have been a victim of idenity theft and that has been reported on my credit reports.

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 2017-07-27
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX APPEARS ON MY CREDIT REPORT. WHO IS THIS PERSON? I HAVE NEVER HAD ANY AFFILIATION OR ALIAS OR ANY OTHER CONNECTION TO THIS NAME BUT IT STILL APPEARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Patenaude & Felix A Professional Corporation
State: NV
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 do n't remembering having an account with XXXX XXXX which states I owe {$2800.00}. I see this account listed on my credit report which shows it was already Charged off / Written off, as the last payment was paid XXXX 2015. Now 2 years later I received a notice from a Law office of Patenaude & Felix which states they are collecting for XXXX XXXX. This is not my account and it is listed on my credit report which was just brought to my attention due to this Collection company sending me a notice to pay or receive a Judgment. This legal document has no stamp from the Courts which makes me think this is not a legal document. What can I do to stop this collection on an account I do n't believe I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: CITIBANK, N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I contacted Citibank via their online chat function in mid XX/XX/XXXX 2017 to request instructions to send funds to my checking account via wire transfer. The online representative gave me details, including the bank details for the transfer. I gave these instructions to the company that was wiring me funds - over {$21000.00}. When the wire was sent on XX/XX/XXXX, it was credited to my credit card with Citibank, not my checking account. I used the instructions Citibank gave me which they said were for checking but it turns out they were for credit card. I have attached a copy of the credit card statement showing the wire payment. I contacted Citibank several times to try and resolve the error with no progress. I escalated the situation and agreed with a supervisor at Citibank on a recorded line that {$15000.00} of the {$21000.00} that was sent would be returned to my Citi checking account right away. The remainder would remain to pay down part of the credit card balance. I provided the supervisor with the Citi checking account number and phone number to reach me right away if there were any further issues. This credit did not appear so I contacted Citibank again. I was told on 2 different occasions that the transfer had been processed on XX/XX/XXXX and I would see the credit in 8-10 business days. No one called me despite having been told they would call if there were issues. On the XX/XX/XXXX when no funds had been deposited, I contacted Citibank again. I was told this was being reviewed and they could offer no further assistance. The funds were deposited into the credit card account because Citibank 's representative gave me the wrong information in the first place. I need the agreed upon $ XXXX deposited back into my checking account as agreed with Citibank at the beginning of XX/XX/XXXX. It is totally unacceptable that they have misappropriated my money and refused to rectify the situation. I will cancel my credit card relationship with Citi as a result but I need the banking transaction corrected first.

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 2017-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX APPEARS ON MY CREDIT REPORT. WHO IS THIS PERSON? I HAVE NEVER HAD ANY AFFILIATION OR ALIAS OR ANY OTHER CONNECTION TO THIS NAME BUT IT STILL APPEARS.

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 2019-07-30
Company: EQUIFAX, 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:
I have never been late on this account. The date of last activity is incorrect. How can this account be charged off when I paid the account in full not late? Equifax violated federal law by not properly investigating within the required time frame, CFPB fix the accounts XXXX XXXX, XXXX XXXX XXXX -

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: Navient Solutions, LLC.
State: WI
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 've had federal student loans in repayment since my graduation in XXXX. I paid off all but two of my loans that were being serviced by Navient without missing a SINGLE payment as of XXXX. I received an email from Navient on XXXX/XXXX/XXXX stating that my last two loans would switch over from the previous company ( XXXX ) to Navient. At this time, I was paid ahead on these loans with NO payment due for at least 18 months. After receiving the first email, I received a second email on XXXX/XXXX/XXXX stating again that Navient was taking over and quote : " Expect a brief pause in service. It may take a few days to complete the transition. During this time, your account information will not be available. Any payments you make to XXXX during this time will post to your Navient account once the move is complete. What happens next? Watch your mailbox. Once your loans are on our system, Navient will become your new student loan servicer. To let you know when it 's official, we 'll send you a welcome letter including your new account number and our contact information. '' I received nothing additional in my " mailbox '' as I was receiving all paper statements from XXXX. On XXXX/XXXX/XXXX I received the third and final email from Navient stating, " XXXX, now that your loans are with us, make the next move ... to XXXX. '' with a link to click ; AND THAT WAS IT. Never once did I received a phone call, any additional information in email, or by postal mail. There was no account information, no phone numbers, no emails to contact Navient, nothing. That is until XXXX, XXXX when I received a paper statement ( or bill ) in the postal mail that showed Navient had added an additional $ 2,000+ to my account balance with no explanation as to why. 
I have spent hours on the phone with Navient, calling their off shore and on shore call centers as well as their corporate office in Delaware and have not gotten ANY, real tangible documentation as to how they added over two thousand dollars to my account balance, just poof, its there and now you owe it. There is no documentation of interest rates, fees, balances, nothing ; not even on their website. I need help as this company is literally scamming people out of money. There are times when I call the call center and I literally have to opt out of TV, Internet and road side assistance programs BEFORE I can speak with someone! Total Scam this company is!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
I PAID OFF A DEBT THAT WAS OWED IN FULL. I DISPUTED IT AND WAS TOLD THAT I STILL OWED THE MONEY AFTER THE INVESTIGATION OF MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Rocket Mortgage, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I prequalified for a mortgage with rocket mortgage. Signed no contract. It counted as 2 credit inquiries and lowered my score. I only applied one time within two weeks. Ive been trying so hard to keep my score up. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Consumer Adjustment Company Incorporated
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Experian Information Solutions Inc.
State: PA
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: Problem with personal statement of dispute

Complaint:
When I enrolled in university XXXX XXXX I was told complete WRONG information and was lied to. One I was not explained properly about the grant and loan process. I thought they were grants that I would n't be paying back. When I talked to an advisor about enrolling I did n't know what I was doing so I was trusting the information they were providing. I had told them my goal was to become an XXXX, they told me I could start my degree online with them then later transfer to any school. So I started this process. School was easy and not a challenge they gave you most of the answers. I did this for about a year. I then reached out to XXXX XXXX XXXX XXXX PA asking if i could transfer my credits to start the process of doing the schooling with them for the XXXX program. They had told me that NONE of my credits would transfer and I would be starting all over. So I then reached out to XXXX XXXX College and even did the preadmission testing. Once my testing was completed I sat in an office with a women who looked over my transcript and completed credits with university XXXX  XXXX and stated NOTHING would transfer and I would have to start over. The whole reason I started with university of phoenix was to get my general schooling done and transfer over to a local school. WHICH THEY TOLD ME BY EMAIL and I still have it, and by phone that I could do this.. WHICH was a LIE. Due to the frustration of all of this I dropped out of school. I didnt know anything about credit, I was a single mom all those years just trying to better my self and they scammed me just as they did others. This aparently happened alot in XX/XX/XXXX-XX/XX/XXXX the years I was attending school with them. They had me applying for loans that I did n't realize was actual loans with the government. THey should be paying these loans and I will be processing a borrowers defense, as I just learned about this. This is effecting my credit because of them scamming me. I am now more educated about my credit and want things done right. experian has removed these loans off my credit but they are still on my XXXX and XXXX have multiple of the same loans on my credit report. I have copied and pasted some of the emails.. I received alot from them.

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 2019-09-24
Company: Experian Information Solutions Inc.
State: SC
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 identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. 

This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2022-01-19
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I completed a refinance of my mortgage on XX/XX/2021. I also had a personal line of credit with SunTrust. I did not want the LOC to be closed. I wanted to balance that I owed on the LOC to be paid off and included in the mortgage refinance. I did not complete the LOC affidavit at the closing for the mortgage refinance to close the LOC but SunTrust closed the LOC. I believe that it was fraudulent on the part of SunTrust to close the LOC when I told the title company representative at the closing that I did not want the LOC to be closed and I was told that I did not have to sign the LOC affidavit. This statement by the title company representative led me to believe that the LOC would not be closed. I would not have gone through with the closing if I knew that the LOC would be closed.

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 2022-01-19
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
TD Bank seems to have a problem applying my mortgage payment. I have had this mortgage since XX/XX/2019, I live in XXXX XXXX XXXX, and in that time frame TD has failed to post my payment properly, they often interpret it as a double payment even though I stress to the teller my intentions of paying down my principal with the excess money. I go so far as to write in the additional escrow box NONE. I have talked to several customer service " specialists '' and often times they too get it wrong, and I have to take a 3rd step and involve a supervisor, that usually solves the problem, but it is a waste of my time and effort I simply can not afford ; I am a care giver for my elderly and infirm mother, and that if you didn't know is a fulltime job. My last involvement was with a loan specialist named XXXX, she helped me the last time they posted my payment wrong, but I have called her a couple of times and I have gotten no response. It is to the point where it seems like TD is doing this on purpose to deter customers from paying the mortgage early. The percentage of times they mess it up is astounding. Please HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Late last year Freedom Mortgage purchased my loan from XXXX. The loan is a 30 year fixed VA loan. Initially there was no issue with the account. Then in XXXX I got a paper statement that included someone else 's name instead of my spouse. I have no idea who the person is, its just some random person. I contacted Freedom Mortgage and they claimed it " was a typo ''. That is ridicules on its face since no one is typing anything into these statements. I told them that wasn't an acceptable answer because the presence of the name mean that somewhere in their computer system this oper person had been attached to my account. They brushed off my concerns repeating over and over that it was a typo. A representative promised to look into and call me back. They never did. 

Today I received my Form 1098 and my XXXX bill and low and behold, the name is still on there. Now I have a fraudulent IRS form. 

I called Freedom again today. They blew me off again. They have promised to send me a new form but in the mean time they have locked my access to my account over their web site. I have no way of knowing if they are going to submit a corrected from to the IRS so I have to worry about my tax return being flagged for fraud.

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 2022-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I put a couch for sale on the app XXXX XXXX and got a response from a XXXX XXXX. I was selling the couch for {$300.00} and he said he was going to donate it to an orphanage. I reduced the price to {$100.00} since I tthought that was a good cause. He sent me a cashiers check in the amount of {$1600.00} which he said would cover the movers fee and the cost of the couch. He told me to transfer money to another person via XXXX by the name of XXXX XXXX for {$1300.00} that was supposed to be for the movers fee.I cashed the check with my bank but then a few days later they took the money out of my account and I called them and they said it was a conterfeit check.I had already transferred the {$1300.00} via XXXX and submitted a claim with Bank of America but they denied it. I just want my {$1300.00} back and for this nightmare to be over with. His bank from the check is XXXX XXXX XXXX  and here is the information I have for them : XXXX XXXX or XXXX XXXX, Phone : XXXX email : XXXX, XXXX XXXX name is XXXX XXXX and email of XXXX, I just want my money back, I have reported to FBI. filed a police report with the city of XXXX, contacted 3 on Your side here in XXXX, filed a report with the FTC also. Here is also the email response I got from them : " Im so sorry about this, I was only asked to pick up the funds and I dont know anything, next time dont send money to anyone '' so they knew it was fraud. I thought my bank would help but they didn't

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 2021-03-07
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
I have had my credit checked three times recently and was not approved for loans. I received letters stating upon checking my credit that it was reported to them that I have a delinquent account. According to all reports I can see it states zero late payments, always on time, XXXX score and everything appears correct. Theyre stating my score is XXXX and I have a serious delinquency. I want to know what the delinquency account is if there is one because I would have definitely paid it. I need to be able to have credit available as needed and will need to purchase a vehicle next year which will cause problems with the interest rate and possibly the purchase.

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 2018-09-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I received a copy of my updated credit report and saw there were a Bankruptcy on my credit. I have never filed bankruptcy chapter XXXX discharged ref # XXXX and this information reporting is not correct. Please have this removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
After several attempts to log in and get my credit report Experian keeps stating they are having tech trouble. Every single time? All the time?

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