BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: NJ
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 noticed a few accounts on my report I do not recognize

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 2019-03-12
Company: Ditech Financial LLC
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Subject : FAILURE TO PROPERLY SERVICE MORTGAGE ACCOUNT Ditech Holdings : Bankruptcy Case XXXX - Ditech Holdings ACCT NO. XXXX XXXX XXXX Mortgage : XXXX XXXX XXXX XXXX, Unit XXXX, XXXX, HI XXXX To Whom It May Concern : Over the past 6 weeks I have faxed several written requests to your customer service fax number filing a formal power of attorney notice for the subject property and requesting a copy of the appraisal associated with the mortgage. To date, I have not received the appraisal. 
Additionally, I have made several calls to your mortgage servicing phone number ( located in the XXXX and staffed by foreign nationals ) and have had a horrific experience. The wait time to speak to someone was never less than 30 minutes. I had to lead the service rep step by step through the Power of Attorney document that I had filed with you to ensure my contact information was updated to even get them to speak with me, even though the POA had been submitted weeks before. On two occasions the phone line went dead shortly after it was answered. In two instances I was assured that the documents would be emailed to me and they were not. In one instance, I insisted that the foreign rep connect me with a knowledgeable U.S. Ditech staff member to assist me. After assuring me that the call would be transferred to a U.S. staffer, I spent another 10 minutes holding on a silent line before hanging up. 

Please send me an electronic copy of the appraisal associated with this mortgage with out further delay. Send it to : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, HI XXXX SSN XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. THESE ACCOUNTS ARE FRAUD AND NEED TO BE DELETED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
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:
CFPB closed my complaint and that was wrong to do so. 

EXPERIAN says i need to provide a written request from my address for a 7 year fraud alert, along with my XXXX POLICE REPORT from XX/XX/XXXX whereby it state I am a victim of identity theft. 

On XX/XX/XXXX, both items were provided to EXPERIAN and they refuse to grant the 7year fraud alert. I have already spent months and months trying to resolve this nightmare after finding out the 90 day fraud alerts expire and the fraud comes back at a rapid pace because you have eliminated that ALERT and allowed my credit score to be ruined since the inquiries have plummeted my score over 60 points in 7 months thru NO FAULT of my own because I have NOT applied for ANY credit for the last year, NOTHING expect XXXX XXXX XXXX XXXX before I was notified that XXXX breached my data and exposed my SSN, DOB, names and address to CROOKS.

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 2019-10-22
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I initially called Chrysler Capital over a month ago about my loan being paid off. On every car statement I have received from Chrysler Capital shows a 'maturity date ' of XX/XX/2019. Chrysler Capital sent me a letter stating that my account was paid in full on XX/XX/2019, but they had placed a 'late payment ' notification on the primary borrower 's credit report. I called to dispute, as all the information I had on this showed this was an error. I called and spoke to XXXX first where she said that she would escalate the situation because she could not find a reason for that 'late payment ' to show up on the primary borrower 's credit report, she also advised that I had a refund that I was supposed to get as well, for {$220.00} as there was an overage and that I had not received my title either. Her supervisor reviewed my account while I was on the phone with her and the supervisor stated that it was a reporting error. I was also advised to call 'XXXX XXXX ' for my refund, but 'XXXX XXXX ' couldn't find me when I called, so I called back into Chrysler Capital to see what was going on with my account and then this issue was escalated after I spoke to a supervisor. She assured me that someone would call me on Monday XX/XX/19. Someone did call me, but she was extremely argumentative and promised she would look into the issue, review the recorded calls, and then she would follow up with me. Shockingly, she never followed up. I then called back in a day or so later and spoke with XXXX. XXXX assured me that this would be fixable and from what he saw on my account it was a reporting issue. He never followed up with me ... we are at about a week and a half of me working on these issues. No one has ever followed up with me, regardless of the multiple promises, I have been the one to call every other day for an update. As someone who has worked in the 'XXXX   XXXX ' department for another company, Chrysler Capital 's 'escalation ' process reeks of unprofessionalism. Yesterday, XX/XX/2019, I finally received a response from XXXX via the phone and now my, as I am the co-borrower on the loan, credit report has been updated by them to show the 'late payment ' now that I brought their error to their attention. They did this two months after Chrysler Capital told me my account was paid off and closed now. The resolution I am looking for, is for Chrysler Capital to remove the negative marks for the 'late payment ' on the primary borrower and co-borrower 's credit reports, due in large part to the conflicting information and previous promises by their management and 'executive complaint ' department, as well as get my refund. The only part of this escalation that has been resolved is that I have received my title.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: U.S. Auto Sales Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Iamavictimofidentitytheftandthisdebtdoesnotbelongtome.Pleaseseetheidentitytheftreportandlegalaffidavitattached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Fay Servicing, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX  was my mortgage company. I hired a law firm to help me get a reduced interest rate from XXXX XXXX because I had 2 loan modifications with XXXX XXXX but I was told the mortgages were fixed 30 year mortgages. Howver, each time the interest started low and ballooned to over 6.5 %. So I did not want to modify my loan with XXXX XXXX a third time. XXXX XXXX and my attorney ( XXXX XXXX ) at XXXX XXXX XXXX was negotiating my mortgage loan and in XX/XX/XXXX in the middle of the foreclosure prevention negotiation, XXXX XXXX transferred the loan to Fay Servicing. Fay Servicing has refused to reduce the interest and has tried to force a foreclosure or have me pay {$18000.00} to reinstste the loan. I thought I paid the amount to reinstate the loan by wire transfer from my XXXX XXXX to the Federal Reserve to Fay Servicing. As it turned out the money that the Federal Reserve put into the Fay Serving Account at the XXXX XXXX XXXX, was stolen. The account may not have been a valid Fay Servicing Account at the XXXX XXXX XXXX. That was onXX/XX/XXXX. The wire transfer money was due XX/XX/XXXX. On XX/XX/XXXX my attorney contacted me to tell me that Fay Servicing did not receive the {$18000.00} that was wired from the Federal Reserve. Now, today I receive a letter from Fay Servicing asking for {$20000.00} by Friday XX/XX/XXXX to reinstate my loan. Fay Servicing will not reduce the interest rate or put the reinstatement fee back into the loan. Considering that I made the initial reinstsement amount in good faith just 2 weeks ago, I don't feel that Fay Servicing is being reasonable to try to foreclose on my family home that I grew up in and that I can afford to keep by making monthly payments at a reasonable interest rate. I need your help in understanding why XXXX XXXX would not negotiate and why XXXX XXXX transferred the loan after trying to foreclose on my property. But, currently, XXXX XXXX is advertising new mortgages on the radio that have 3 % interest rates, Secondly, I need your help in getting Fay Servicing to reduce the interest on my mortgage .loan and put the reinstatement fee back into the mortgage loan or let me make payments to pay the reinstatement fees. The wire transfer was stolen by being wired into an account that was named Fay Servincing at XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I learned about the new law allowing free freezing of credit file with Equifax, XXXX, and XXXX. I applied online and froze my report with XXXX   and XXXX with no issue. However, I was not able to do so with Equifax. Neither the online system nor the automated telephone system allowed me to proceed after I entered the required information - the SSN and residence address. No human support is available on a weekend, only the aforementioned automated system. I will be calling them again on Monday.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
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:
The reason for my dispute is because of several unrecognized fraudulent accounts : 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. I have several fraudulent SS numbers showing on my credit report that do not belong to me. Please delete the following SS number : XXXX, XXXX, XXXX XXXX .I never lived at the follow addresses they are fraudulent : XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX SANIT XXXX FL XXXX XXXX XXXX XXXX XXXX SAUNT XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX This is the third time I have had this issue. I had filed a FTC report before to deal with the issue of fraudulent activities and someone using my name and ID in the past and I am trying to purchase a new home and this is a huge issue that is holding me up! I use to live in XXXX  10 years ago I have been in XXXX XXXX since I have attached a copy of my ID and SS Card and a bill with my current and ONLY address. 
Please have them remove/delete the collection accounts immediately. 
I have submitted an FTC AFFIDAVIT for the addresses and unknown accounts on my credit file please see the attached document and FCRA 605B ( 15 U.S.C. 1681c-2 ). I HAVE ATTACHED MY POLICE REPORT AND FTC XXXX AND ID

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 2019-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 happened to check out what was going on with my credit report. I noticed an inquires and accounts that do not belong to me. Please remove them from my credit report immediately. This is a result of identity theft, and unfair to me.

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 2019-08-20
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:
I have incorrect information on my credit file as a result of identity theft:|XXXX| | Inquiries:XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX || COLLECTIONS:XXXX XXXX XXXX - XXXX - XX/XX/XXXX - XXXX  XXXX XXXX XXXX - XXXX - XX/XX/XXXX - XXXX (this is a duplicate account ||EQUIFAX| | Inquiries:XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX|XXXX| | Inquiries:XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12
Company: EQUIFAX, INC.
State: NV
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 happened to check out what was going on with my credit report. I noticed an inquires and accounts that do not belong to me. Please remove them from my credit report immediately. This is a result of identity theft, and unfair to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-04
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$21000.00}, {$3100.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
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:
The reason for my dispute is because of several unrecognized fraudulent accounts : 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. I have several fraudulent SS numbers showing on my credit report that do not belong to me. Please delete the following SS number : XXXX, XXXX, XXXX XXXX .I never lived at the follow addresses they are fraudulent : XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX   XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX This is the third time I have had this issue. I had filed a FTC report before to deal with the issue of fraudulent activities and someone using my name and ID in the past and I am trying to purchase a new home and this is a huge issue that is holding me up! I use to live in XXXX  10 years ago I have been in XXXX XXXX since I have attached a copy of my ID and SS Card and a bill with my current and ONLY address. 
Please have them remove/delete the collection accounts immediately. 
I have submitted an FTC AFFIDAVIT for the addresses and unknown accounts on my credit file please see the attached document and FCRA 605B ( 15 U.S.C. 1681c-2 ). I HAVE ATTACHED MY POLICE REPORT AND FTC RPORT AND ID

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: TD BANK US HOLDING COMPANY
State: CA
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 applied for the TD Bank XXXX Visa card, which awards XXXX XXXX miles after spending {$1000.00} in the first 90 days. I met this requirement. However, the miles did not post. 

I called in inquiring about this, and the customer service representative said that she could see them on her end, but they were not displaying on my end due to a computer issue, and the update would be fixed by the next morning. They were not. 

The next time I called, I was told they were not open on the weekend. 

The next time I called, I was put on hold, then transferred to a survey after which my call uatomatically ended. 

The next time I called, after waiting on hold for 20 minutes, I was transferred to the reservations department to make a reservation, despite that not being my issue. 

I am getting sick and tired of being on hold, and desperately need these miles to make a reservation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12
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: Credit inquiries on your report that you don't recognize

Complaint:
Good Morning, I am reporting Equifax for a second time as I have a 7 year Fraud Alert as I have been a victim of identity theft. 

I reported Equifax prior to another incident as I was never notified or contacted as per the direction of the law and the point of having a 7 year Fraud Alert. 

This second ( Current ) Incident my credit was ran 4 times in the Month of XX/XX/2019 on these dates XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX As a victim of identity theft there are steps in which that need to be followed. And yet again Equifax has not handled this per protocol. No contact was made to me regarding these inquiries. And it is beyond belief that I have to report them a 2nd time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-16
Company: Tate and Kirlin Assoc
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I spoke to this company on XX/XX/XXXX and asked them to stop calling me as I can not take calls at work and I'm paying my bill now that I have a job. 
Since then I've received a call on XX/XX/XXXX, and another call just now. They identify themselves do not state they're calling on a recorded line and onc either ask who they're calling about they hang up on me. 

This happens every time they call. When I try to call back to tell them again to stop harassing me I get a message saying they're not available and no voice-mail. 

Their number that they call from are XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As an employee my job is to XXXX XXXX to their XXXX XXXX. The child was underage and to be seen she signed my name on the documents. I am not the patient, I am not related, I am just an employee of an XXXX XXXX XXXX XXXX in a XXXX XXXX. I was billed for medical expenses for account number XXXX for the amount of XXXX and for XXXX XXXX XXXX   XXXX. I am not responsible for these bills and would appreciate my name being taken off any statement regarding this child. I work for an XXXX that should be billed and you can bill the company not the employee or her medical information. I did not allow or give the child permission to use my information to be seen by these medical professionals. I do not want my credit score or personal information affected by this as I work very hard to be in good standings financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
In the month of XXXX I checked my account on line and 2 unauthorized checks was cashed. I contacted Wells Fargo fraud department and report my check book stolen and filed a dispute for the amount of the 2 checks with Wells Fargo. Wells Fargo did a investigation and was unwilling to assist in helping the matter. stated me to contact whereto checks was cashed which was XXXX  XXXX XXXX. XXXX   XXXX XXXX instructed me to contact Wells Fargo because the money was insured with Wells Fargo and that is the bank that I'm with.

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