BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-04
Company: EQUIFAX, INC.
State: GA
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:
I've requested XXXX XXXX servicing to dispute the negative, derogatory past history on my account being that the account is current and any issues were satisfied. However they refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
PSLF RUNAROUND. I QUALIFY AND NOW BEING TOLD AFTER TRANSFERRING THE LOAN SOME TIME AGO BASED UPON XXXX   RECOMMENDATION THAT MY ACCOUNT DIES NOT QUALIFY. DECEITFUL CONVOLUTRD PRACTICES. DEALING WITH THIS SINCE XX/XX/17. PAYED ON THE LOANS FOR NEARLY 20 YEARS AND NOT ONE DIME IF PRINCIPLE HAS BEEN PAID DOWN. A DISGRACE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX repeatedly contacts myself and my family members for a debt I owe. I wish not to have my family members involved in my personal matters. They call them repeatedly which is unneccesary once they find out that is not my number they are calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-19
Company: Credit Control, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from an agency called Credit Controll , LLC asking me to pay for an account I had with XXXX XXXX XXXX with XXXX. I've never dealt with such a bank. I called XXXX after multiple research they couldn't find any account under my name. I tried to dispute it with the agency, with no success, I tried contacting the bank, and every time I called they asked to leave a message for the Fraud department to call me back but never received a callback.

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 2019-04-04
Company: Santander Consumer USA Holdings Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Good Afternoon : Please clarify the payment status, comments, balance and account number as they might be erroneous. Correct or delete them from my credit report altogether. You are describing this account type as a loan when in fact the alleged agreement is known by its governing laws as a credit sale. There is no loan agreement in place. No goods or money have been loaned. I'm pretty sure it is a violation of the FCRA to knowingly furnish or report false information. Please delete this item within the time allowed under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On Monday, XX/XX/2020 I made an inquiry with Quicken Loans about a Cash Out Refinance. I said that I was researching. I said that I had 2 questions : What was the current interest rate? 
How much of my homes equity could I tap? 
I was Not explicitly asked if my credit could be pulled. I was only asked about my birthdate. Although I thought that was a strange question, I gave my DOB. 
Soon after, I got a message from XXXX XXXX that my credit was pulled. The next day, I found out that my husbands credit was pulled too. I only discovered this about his credit report because phone calls started to come to our home RE our desire to finance based on a recent credit check. Today, we received 6 pieces of mail about refinancing from other banks. QL had No authorization to pull either of our reports. Please correct this. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have filed a dispute in regards to the incorrect items : XXXX XXXX {$400.00}, XXXX XXXX {$1300.00}, XXXX {$170.00} and XXXX XXXX {$990.00} on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2023-06-20
Company: EQUIFAX, INC.
State: KY
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 XXXX XXXX I told them I have no contract with them XXXX XXXX  XXXX XXXX I told them I have no contract with them XXXX XXXX XXXX XXXX I told them I have no contract with them XXXX XXXX XXXX XXXX I told them I have no contract with them XXXX XXXX XXXX  XXXX I told them I don't have a contract with them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: DISCOVER BANK
State: MD
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 Discover Bank account ( account XXXX XXXX ) is in several violations of my rights. This account is IDENTITY THEFT, 15 U.S. 1681 C-2 states this account HAS to be removed from my credit report in 4 days after receiving my FTC report XXXX and has been well over 4 days since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: Diversified Consultants, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX bills me for wireless i never had. Keeps billing me XXXX I wont pay it. The collection agency called and sent notice. I owe you nothing. Never had a XXXX XXXX XXXX   wireless or any other service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: Experian Information Solutions Inc.
State: MN
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:
By XX/XX/XXXX I checked my credit report and I found many mistakes in the account with XXXX XXXX auto loan, I request to the credit bureau and XXXX XXXX to take care this, apparently my request is not enough because nothing change except a letter state they are not going to change anything since everything is ACCURATE!!!ATTACH proof of the the inaccuracy DOLA BETWEEN THE 3 BUREAUS SHOW XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX  experian show as paid but XXXX an XXXX report derogatory, is insulting to got a letter state  "after conducting a detailed review of your account we confirmed cap is reporting information accurately"

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 2020-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 invalid accounts reporting to my credit report I have tried to solve this many times with the company both bureaus and the creditor. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation

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 2019-08-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX DOB XXXX ATTN : Consumer Relations Department Experian   XXXX XXXX XXXX Under section 611 ( b ) of the Fair Credit Reporting Act, I am requesting that the following consumer statement be inserted in my credit report exactly as I have written it : I dispute the fairness of the late payments being reported on the XXXX XXXX XXXX XXXX  account. These late payments are the fault of XXXX XXXX XXXX XXXX that habitually mails my monthly statement to me after the date payment is due if it bothers to mail me a statement at all. Because I do not receive my billing statement in time and sometimes not at all, I have had no choice but to make payment after the due date. For this reason, there are late pays associated with this account, and that is no fault of mine. 
Please send me an updated copy of my credit report once the above statement has been added to my credit report. Thank you very much.

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 2020-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have reviewed a copy of my credit report and I show that inquiries listed on my report are inaccurate and or fraudulent. I have sent letters to credit bureau with no reply to the matter. I have also file and FTC, police report on fraudulent inquiries on my credit report. here are the inquires listed. 

Company Inquiry Date Bureau XXXX XX/XX/2019 TransUnion XXXX XXXX XX/XX/2019 TransUnion XXXX XXXX XX/XX/2019 TransUnion

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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Please note, THIS NOT A DUPLICATE COMPLAINT, I'm sending this complaint because of new evidence and because Transunion Credit Bureau has rejected my dispute as I found out today on XX/XX/XXXX  by phone call to Transunion. 
I been told that my personal information is incorrect or not matching with my proof of address or my FTC report, So FIRST I want to as Transunion to update my personal information on my report : I'm providing my proof of address as well and my current address is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX. 
Also there is one hard inquiry on my report that I have never authorized and I have filed FTC report for that matter, I believe I'm a victim of Identity theft and that hard inquiry is the result of fraud. This is not a factual data and must be removed from my report as soon as possible. My report number is : XXXX. 
Please update my personal information on my report and remove that fraud inquiry from my report immediately.

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 2023-06-15
Company: EQUIFAX, INC.
State: FL
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:
Each inquire who provided a phone number I called and ask for reasoning and the all came to the same conclusion to see if I qualified for a product with them, I never gave permission to theses inquires to pull my credit I believe my account is a victim of fraud and its been going on for a while now. They all told me it was nothing that they could do to help i should contact the credit bureaus and the bureaus directed me to you guys. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my debt. I just recently turn XXXX and I have not acquired or tried to obtain any credit. This account must be a result of identity theft. Please investigate and remove this account from my credit report ( all major credit bureaus ) immediately. As a creditor/service provider how did you prove or vet the consumer concerning identity before providing the service?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
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: Account status incorrect

Complaint:
Equifax is showing seven derogatory remarks on my report concerning XXXX XXXX. They are reporting my accounts as open, when in fact they were discharged in a chapter XXXX bankruptcy on XXXX  2016.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-03
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
The agency involve is equifax After having disputed it on 2 occasions, the Equifax credit agency has not solved my situation around the inaccuracy that my credit report shows, here I send irrefutable evidence that shows the errors and the times and tried to solve this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Please remove these files. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1800.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX 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  ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-03-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On yesterday, XX/XX/2023, I removed {$1100.00} dollars out of my account through XXXX. I received an email from Wells Fargo on this morning, XX/XX/2023 indicating that my account had a XXXX dollar balance. I left {$24.00} and some change in the account. So, I called Wells Fargo and no one is able to assist me. I received another email about an hour ago indicating that my account was overdrawn. Wells Fargo basically wants me to give them my payroll check back as if the money was meant for them. They told me that I will receive overdraft penalty if I do not put my payroll check back into my account. The last I check " XXXX XXXX '' was deceased. I am not banking with the XXXX! I literally thought that they were a reputable bank, but I know differently now.

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 2021-06-06
Company: EQUIFAX, INC.
State: NC
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 have received a copy of my credit report and it shows company XXXX XXXX XXXXmaccount number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$4900.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX my mortgage was purchased from XXXX XXXX, and transfered to XXXX XXXX or a subsidary, LoanCare. I have had many difficulties with the new loan servicer, specifically, a misallocation of payments. I attempted to make biweekly payments. However, payments were made to principle, and not the actual mortgate payment. This resulted initially in a late penalty, and significant inconvenience. I spoke with LoanCare on XX/XX/XXXX. The representative said that as I was a previous XXXX XXXX customer, I would be allowed to make biweekly payments and reported making a " note '' in the file. This was not the case and other payments were misallocated. I was required to contact LoanCare regularly to have payments correctly allocated. On XX/XX/XXXX, I spoke with " XXXX '' to again address the misallocation of payments. " XXXX '' stated that the payment would be reallocated to my actual mortage payment, and she too would make a note in my file. The funds were simply reallocated to the principle and not the actual mortgage payment. On XX/XX/XXXX, I again called to address the misallocation of funds. I spoke with " XXXX '' who again reported that the payment would be reallocated to the mortgage payment. She also stated she would make a note in my file. She reported that a " code '' was absent that would have allowed partial payments. In short, my funds have been consistenly misallocated for months. I have never had this issue with any other loan servicer. I am very concerned that carelessness on the part of LoanCare will  lead to missed payments, late fees, etc. It appears that I am not the only dissatisfied customer. There are 628 reviews of LoanCare on XXXX. LoanCare holds a score 1.3 out 5. This is unacceptable. Having worked for CFPB in XX/XX/XXXX - XX/XX/XXXX, I am concerned that LoanCare may be violating financial regulations. And putting consumers are risk.

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