BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-11
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: Account information incorrect

Complaint:
I graduated from my bachelors and masters program in XX/XX/XXXX, I immediately went into after school deferment for 6 months ( XX/XX/XXXX ). Afterwards, I was in financial hardship for a year until XX/XX/XXXX, but XXXX serving provider at the time, stated it was for 9 months. They never mentioned this to me and it doesnt add up. I contacted XXXX in XX/XX/XXXX to refinance my student loans, it wasnt mentioned about a payment or how much. I contacted XXXX ( who is servicing my loan currently ) and they processed my loan in XX/XX/XXXX. My credit report shows paying ontime up until XX/XX/XXXX but shows 90 Days late for XX/XX/XXXX and XX/XX/XXXX for XXXX for nine separate student loan accounts. They will not change this stating I was in repayment, but I have never been in repayment with XXXX and never sent them any payments ever. When it was getting close to start repaying I consolidated with XXXX. XXXX stated that they sent a request to XXXX in XX/XX/XXXX for my loans to be sent to them, they stated they finally received it in XX/XX/XXXX,  my deferment ended in XX/XX/XXXX. But nelnet refuse to take actions to correct this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: MD
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX did not have permissible permission to access my private information. XXXX XXXX said they would get the inquiry removed months ago, XXXX XXXX claims to have disputed with other companies that have hired XXXX XXXX BUT I DID NOT SIGN ANYTHING AUTHORIZING XXXX XXXX TO ACCESS MY PERSONAL INFORMATION.

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 2020-10-26
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I own my house, but the mortgage is in my deceased step-father 's name. I have always paid it, but LoanCare, claims I missed payments ( I have proof I did not ) and they now refuse to accept my payments. I had a lawyer contact them, but they did not respond. I am afraid my house will go into foreclousure and they refuse to talk to me or give any information. I am elderly and I need assistance.

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 2023-04-02
Company: DISCOVER BANK
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I got a Discover secure card for {$1000.00} they never upgraded me or helped me fix an issue I had so it closed. I think it was very unfair and never explained they sent me a letter saying apply again and send deposit to reopen- they never reopened my secured card account nor explained why but my past- I was never late, never used it barley and was always current.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: Credit Corp Solutions Inc.
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear XXXX XXXXt I am writing to bring to your attention that I have not received a Form 1099-C from your company for the cancelled debt that I owed to you. As per the IRS regulations, creditors are required to report cancelled debt of {$600.00} or more to both the debtor and the IRS by filing Form 1099-C. 

I am aware that you have written off the debt that I owed to your company, which makes me eligible to receive a 1099-C form for the tax year in which the debt was cancelled. However, I have not received any such form from your company, which puts me in a difficult situation with regards to my tax filing obligations. 

I would appreciate it if you could please send me a copy of the 1099-C form for the cancelled debt as soon as possible so that I can properly report it on my tax return. Failure to do so may result in penalties and fines imposed by the IRS. 

Thank you for your attention to this matter, and I look forward to receiving the necessary documentation from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
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:
XX/XX/XXXX - Dispute letters accompanied by police report and FTC were sent by certified mail to XXXX, Equifax, and XXXX  in regards to accounts and inquiries that are present on the credit report because of identity theft. 

XX/XX/XXXX - Dispute letters accompanied by police report and FTC were sent by certified mail to XXXX, Equifax, and XXXX  in regards to accounts and inquiries that are present on the credit report because of identity theft. 

Accounts present because of identity theft. 

1. XXXX : Credit Limit : {$300.00} : Date opened : XX/XX/XXXX 2. XXXX  : Credit Limit : {$16000.00} : Date opened : XX/XX/XXXX 3. XXXX : Credit Limit :  {$5900.00} : Date opened : XX/XX/XXXX Inquiries present because of identity theft. 

1. XXXX : Date opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: Experian Information Solutions Inc.
State: AL
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:
I have account removed but there still have the late payment on there..the law states.. 15 U.S.C 1666b A creditor May not treat a payment on a credit card account on a open end consumer credit plan as late for any reason

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 2019-09-18
Company: PNC Bank N.A.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I requested an international wire transfer of {$9000.00} from my account at PNC to a relative in XXXX. I presented the financial adviser at PNC with a detailed printout of instructions including the IBAN and Swift codes of both the intermediary and beneficiary bank as well as addresses and account numbers. The adviser assured me everything was input correctly. After a week of the other party not receiving the funds, I asked my branch if everything was ok. They told me to wait. After three more days, I told them to trace the funds. They were unable to get a response and told me to continue to wait. After another week of waiting, I was able to piece together that the Swift codes were transposed. I brought this to the attention of the branch manager only to learn that they had known this for a week and had tried to correct it without notifying me. However, the beneficiary bank will not respond to their trace/recall and I am being told they can not refund me the {$9000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is a collection which is unknown, outdated and no verification obtainable. Requested several times. Please help National Credit Systems # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( BK OF AMER ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.

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 2020-06-04
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: Information belongs to someone else

Complaint:
to whom it may concern ; I check my credit and notice some fraudulent Activity on my credit I have no knowledge of these Accounts nor did I give anyone authorization to open any Accounts. This is fraud. I would like to place a fraud alert on my credit so that this will not happen to me again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: MD
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-30
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX, my previous mortgage loan servicer, made in error when determining my escrow account payments. They effectively doubled the amount on one of my two tax payments that are required per year. This was done in error in which they aid they were doing an escrow reconciliation. 

I tried to resolve with XXXX. However, they never resolved the issue after I sent them multiple RESPA requests. They subsequently sold my mortgage to LoanCare. 

My mortgage was then sold to LoanCare/XXXX XXXX. I requested the escrow error to then be corrected by LoanCare. I have requested this 4 times. Each time with a denial that did not fix the escrow error nor made any sense based on the status of my account. It seemed that picking any reason to deny the requests was the only action taken. No investigation into the documents or information provided. Each denial made no sense in respect to the information I provided or the current status of my account. 

Since, I made no progress on fixing the escrow error. I then requested that I be able to pay my taxes and insurance myself. Which would also eliminate the overcharges on the escrow. 

The last denial from LoanCare stated that my loan to value ration did not yet exceed 80 %. 

This is also in error. My loan balance is {$190000.00}. The original loan amount was XXXX. My house currently appraises for minimally {$330000.00}. XXXX and XXXX at $ XXXX. Either way, I meet the criteria to pay my own escrow. 

Its very frustrating that I can not get this fixed. My escrow account will be ~ {$8400.00} when the next payment of taxes due XX/XX/2020 is {$3900.00}. 

I am being forced to pay a monthly over payment on escrow of {$310.00}. 

This is my last step in trying to resolve this situation before filing a claim in the Michigan courts. I have tried to resolve this over 7 times between XXXX and LoanCare current mortgage loan servicer. 

Please see attached spreadsheet and screen shots from my account. As well as the last denial letter for me to pay my own escrow. 
First, you can clearly see the escrow error. As it states what LoanCare has to pay for my taxes and the amount they are actually receiving. 

Regardless, I want to eliminate the escrow altogether. 

I want to pay the insurance and taxes myself. I have every right to. No payment has ever been late and my LTV is minimally at 61 % if not better. 

Included documents include spreadsheet showing escrow over payment backed up by screenshots from my Loancare account. Also included is documentation regarding how I never missed any payment.

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 2019-10-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I fell for an XXXX scam. The guy convinced me to use XXXX ( which I had never heard of ). When I saw that XXXX was actually integral to my Wells Fargo phone app, I assumed it was legitimate and safe. 


I sent the {$220.00} to the guy, allegedly named XXXX XXXX. " XXXX '' denies receiving the payment and punctuated his denial with an accusation of my " attempted scam ''. He was very smooth, patient, kind until he got the money -- then the fangs suddenly appeared. There is a long communication between us recorded in XXXXXXXX XXXX " messages ''. XXXXXXXX XXXX XXXX user name is " XXXX '' The Wells Fargo / XXXX app confirmed the {$220.00} was sent ( unable to get a screenshot ). Wells Fargo /XXXX does not provide any kind of transaction number. It just says " Payment sent to XXXX XXXX {$220.00} '' nothing more. " XXXX XXXX '' XXXX ID is XXXX I called Wells Fargo and they were unsympathetic, basically telling me I was out of luck. They should be able to verify that the money was received by the payee 's bank, which, combined with the XXXX messages would show that " XXXX '' defrauded me. 
The closest thing I have to documentation is this from my Wells Fargo statement : XX/XX/XXXX XXXX TO XXXX XXXX ON XX/XX/XXXX REF #  XXXX {$220.00} The XXXX item number is XXXX. After getting my money, he immediately re-listed the item with the same sob story to hook more fish. 


I filed a police report with the XXXX Police Department ( XXXX, Florida ) case number XXXX XXXX XXXX XXXX can do nothing because I paid outside their system, but their record of messages is my only proof of 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 2023-04-02
Company: Resurgent Capital Services L.P.
State: IN
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:
I have tried to contact this company, and agency over XXXX times on disputes with credit karma and as well as their firm, and I also threatened legal action. If it was not taken off my credit report which was reported incorrectly and I have gotten nothing back besides every time I dispute it, they put the information is disclosed as accurate, I also filed a complaint and report on identity theft.gov and I received nothing back and they just keep dragging my credit score down and its negatively impacting my life and ability to owner and possess belongings or Homes. The debt collector is LVNV FUNDING LLC, for XXXX $ apparently which I was a victim of identity theft and one of my friends stole my information and used it against me and I still have not found out who but I have been dealing with this for over 2 years now and its time its removed from my credit report and the derogatory marks removed or I will then go and sue this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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: Investigation took more than 30 days

Complaint:
Sumbitted a prior complaint regarding Capital One. Received response that was incomplete and/or nonresponsive. CFPB indicated I have until XX/XX/2023 to submit a response but the original complaint is closed and will not allow me to respond further.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company {$2100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX # XXXX, Account Name : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX , Account name : XXXX # XXXX, Account name : XXXX # XXXX, has violated my rights. 

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 : It 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 any consumer report containing any of the following items of information or 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX/XXXX/17 I submitted a workout package to be review for a modification loan. I received a letter from my lender ( NationStar Mortgage ) advising I was denied because they could not set me with an affordable payment. In the letter is does not state if my income was high or low, when I submitted with workout package I never received a letter stating they received my documents and that the file was in review or any document pertaining to my modification. A few days ago I received the denial letter, I 'm not happy with the outcome because they are not specifying why I did not qualify. I called today the lender and the representative told me that they reviewed me for a Flex Modification but I did not qualify because they could not give me an affordable payment. I asked her if they do the review in base of my income and she said NO, so how do they get to the conclusion I did not qualify. I asked her to explain and she was not able to give a reasonable explanation. I am demanding a real explanation, not just I did not qualify

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Bread Financial Holdings, Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I entered a consumer credit transaction with COMENITY BANK and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that COMENITY BANK claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. COMENITY BANK has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.

Company response to consumer: Closed with explanation