BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-08
Company: WAKEFIELD & ASSOCIATES, INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A phonenumber claiming to be Wakefield & Associates calls repeatedly telling me that I owe money on a debt. This debt is not in my credit report, and they have never sent me any notice of this debt prior to the calls. They have been calling me for months. When I asked for verification and additional information on the creditor, I was given very vague answers and told to send a request via email. Never received a reply. They are still calling. They also have incorrect information about me. I keep track of my medical debts and have a good credit score. You would think they'd be willing to provide information about the debt if that's all it would take for someone to pay it ... Sure does make it seem like a scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Flagstar Bank, N.A.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I asked Flagstar in late XX/XX/XXXX before they referred the matter to their attorney 's office if there was any issues and their call center rep. advised as long as I paid it I can disregard their notices. I advised that I kept my money order receipts. In XX/XX/XXXX I got a letter from Flagstar 's attorney 's office, XXXX XXXX of XXXX XXXX, KS, advising of an intent to foreclose. After speaking with a different Flagstar rep. I discovered money order missing and not applied. I had to send some money orders TWICE because they returned the money orders back to me stating the account is past due so they can not accept my payment. I believe this was done to intentionally make it difficult to get out of foreclosure status. The only problem with that foolish explanation is ; how is anyone to pay you money they owe if you send it back? Payments made after these actions have been applied and accepted UNTIL RECENTLY. Flagstar currently has {$1300.00} of money order in their possession that have not applied, nor returned, nor sent to their attorney 's office for my account to be credited. Only when I called Flagstar on XX/XX/2018 did a supervisor finally advise they can't take my payments because it's been referred to their attorney 's office. He refused to comment on what happened to my {$1300.00}, or where to send my payment. I do have the funds to get out of foreclosure ; however, Flagstar seems to be INTENTIONALLY making it difficult. AND there is still the issue of the missing {$1300.00}. I suspect Flagstar is making it difficult because the loan is only {$61000.00} but the equity of the home has brought the value to {$85000.00}. Regardless of the value, it's unfair to consumers to give them the run around, take their money and not apply money after the company has taken it. Furthermore, because of Flagstar 's inconsistency in taking and applying payments I have had to certify mail things at my own expense only for Flagstar to not apply payments AND not return the money.

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 2018-06-26
Company: Experian Information Solutions 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:
I pulled my credit report in XX/XX/2018, I noticed inquires and a XXXX XXXX account on my report. I did not authorize for anyone to run my report for the inquiries were made without my permission. Also i did not apply for a XXXXXXXX XXXX card, nor did i authorize for anyone to apply for that. I ask that Experian, XXXX, and XXXXn investigate to verify the inquiries and account listed on my credit report. 

I ask that they summit written documents with my signed signature, credit cards and debit card bill statements showing that i payed for this. Fair credit act law states that a creditor must have signed, written documents to even run my credit.

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 2021-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a authorized user on two capital one credit card for over two years and XXXX has failed to report my account history. Regardless of the numerous confirmations from Capital One that my information was reported to XXXX as it was reported to XXXX and XXXX. XXXX is only showing I have two credit cards where as I have four. I have received the following message, repeat ... 
Thank you for submitting your complaint on XX/XX/2021, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to XXXX, including the attachments. In your complaint, you indicated that there is an account missing from the credit report. You are requesting for the account to be added to the credit report and to be reporting accurately. Unfortunately, we are unable to honor your request to place credit information into your personal credit report. We do not add data to our database from private parties since we would be unable to verify or maintain the data. We receive credit information from credit grantors who subscribe to our services and public record information from vendors who collect it from the courts or other government offices. Some creditors may choose to report their data to the other consumer credit reporting agencies, and they may not report it to us. Feel free to upload disputes to XXXX by visiting XXXX XXXX XXXX  or dispute online by visiting XXXX XXXX XXXX. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from XXXX, or write to XXXXn at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit : XXXX XXXX XXXX. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: GOLDMAN SACHS BANK USA
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I received an offer letter stating that I was pre-selected for a personal loan ranging " from {$3500.00} to {$40000.00} '' and provided me with a special code to use to accept the loan offer. Then, when attempting to " accept '' the loan on their special website, timely submitted before the deadline, they denied my " acceptance '', even though " pre-selected '' and even though my credit scores were all higher with all three bureaus than on the day I received their offer letter. They even stated in response that my offer had " expired, '' even though I provided my offer acceptance code online to them before the deadline. This appears to have just been a scam to entice people to submit loan applications they otherwise would not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I pulled my credit report in XX/XX/2018, I noticed inquires and a XXXX XXXX account on my report. I did not authorize for anyone to run my report for the inquiries were made without my permission. Also i did not apply for a XXXXXXXX XXXX card, nor did i authorize for anyone to apply for that. I ask that XXXX, XXXX, and TransUnion investigate to verify the inquiries and account listed on my credit report. 

I ask that they summit written documents with my signed signature, credit cards and debit card bill statements showing that i payed for this. Fair credit act law states that a creditor must have signed, written documents to even run my credit.

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 2020-11-14
Company: FIRST NATIONAL BANK OF OMAHA
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I XXXX XXXX hereby submits a complaint against XXXX XXXX XXXX as Assignee for First National Bank of Omaha as First National Bank of Omaha is stating that my identity theft complaint is not valid due to not listing the individual transaction. This collection will never stand in any Massachusetts court, and my identity theft complaint is now backed up by a second police report. First National Bank of Omaha is an FDIC insured financial institution, and my rights need to be protected under several federal laws. Recently, I had to re-submit a police report on an identity theft complaint from 2015. Had financial institutions such as XXXX/XXXX taken my rights serious as related to the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ), I would not be submitting this complaint with the Federal Deposit Insurance Corporation. However, I did initially submit my complaint through the Consumer Financial Protection Bureau ( CFPB ) as a means of bringing my complaint to a level playing field. Resolutions Investments LLC as Assignee for First National Bank of Omaha is now trying to negotiate a settlement after five years of a dormant account. The account was recently sold off to a third-party debt buyer, which is standard procedure by national banks for unenforceable debts. This debt is no longer valid or enforceable, and my file should be purged permanently. Any response to me with a 1099C submission will be protested with the Internal Revenue Service. I demand a permanent cease and desist from XXXX XXXX XXXX as Assignee for First National Bank of Omaha XXXX, and if a case such as this was ever submitted into a Massachusetts court jurisdiction, the filing attorneys would be seriously sanctioned. The debt is non-valid and my demand for a permanent file purge is within legal guidelines by precedent determined in federal jurisdictions.

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 2021-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
XXXX XXXX placed a collection account on my credit report in XX/XX/XXXX. They brought a XXXX suit against me ; however, the case was dismissed. The item remains on my credit report. The item should not be on my credit report and should have never been placed on my credit report. It needs to be removed. 

I disputed information regarding XXXX XXXX on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. I have provided supporting documentation each time to the credit bureau. The last time I disputed, I notified them that they could reach out to the court house to obtain proof that the case against me was dismissed. The collection item still remains on my credit report. 

This collection item needs to be removed completely from 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 2019-03-05
Company: EQUIFAX, 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:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX**** XXXX XXXX XXXX XXXX**** XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX** XXXX XXXX**

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-25
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had internet and TV service with XXXX with a 24 month contract due to expire around XX/XX/XXXX. On XX/XX/XXXX, I contacted XXXX to terminate the contract early and was informed that I could but would be charged a termination fee of {$10.00} per month for the remaining months for a total of {$70.00}. I paid the {$70.00} for the TV service and the amount due for the internet in XX/XX/XXXX. I received no further response from them. My internet account was canceled when I ended the internet service that was only on an already expired 12 month contract. Around XX/XX/XXXX an account notification dated XX/XX/XXXX from Credence to collect a debt in the amount of {$230.00} stating that XXXX had placed that amount with them for collection. I responded by letter dated XX/XX/XXXX disputing the debt and requested documents verifying the debt attaching a copy of the bill I received from XXXX on XX/XX/XXXX. Credence refused to send any documentation explaining the charges, instead responded that they investigated the dispute and verified that the charges to my account were valid. They reported the debt to the credit reporting agencies on or about XX/XX/XXXX and refuse to remove it. If I receive explanation showing the the charges were correct, I have no problem paying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-25
Company: EQUIFAX, INC.
State: VA
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:
Equifax stated that they verified the items on my consumer report. Which that information is inaccurate. These accounts are not verifiable, not validated and are inaccurate. If everything is not reporting 100 percent accurately then it must be removed. I need The CFPB to step In and find out what is going on. Also please refer to exhibit A. Per my consumer report with equifax they also claimed to have verified a bankruptcy on my consumer report via the us Bankruptcy court XXXX XXXX XXXX XXXX XXXX per exhibit A which is a letter directly from The courts proving that equifax reported a false and inaccurate item. Per the bankruptcy court clerks office does not report any bankruptcy information to any credit bureau. Well That is proof of fraud and against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Credit Karma, LLC
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
Credit Karma sent me a notice that an unsecured loan for debt consolidation my improve my credit, and recommended the product by XXXX XXXX XXXX. When I began the application I asked for the amount suggested. Suddenly they were processing an application where my brand new truck was the collateral. When I asked them to cancel the application, they sent me a denial letter stating I didn't have a mortgage. 

1. I had a 30 year mortgage. 
2. We paid it off last year 15 years early. 
3. XXXX reported it as a CLOSED account, when we were never late for 15 years! 
4. They solicited this loan to me, and when I cancelled the application they put EVEN WORSE marks on my credit. 
5. I literally have 3 things not paid. 2 of which I have repeatedly disputed due to hospital in XXXX, not filing my insurance correctly. 

6. Credit Karma, and XXXX XXXX XXXX, should not be doing this to people during these horrific financial times, and then ruining their credit on top of that

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: Early Warning Services, LLC
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: Account status incorrect

Complaint:
I received my credit report from Early Warning and the report has so many negative bank items on it. I don't owe any bank I have tried to rebuild my credit after filing bankruptcy, to no avail have i been successful. I have been a victim of Fraud as well and I have reported this to the bank as well with a case number. I need this removed from my credit file. I am told that these accounts that are on the report are closed /purged meaning it doesn't convey a negative situation, but it it a negative situation for me. I would like for this to be removed off of my credit report/ file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: Experian Information Solutions Inc.
State: VA
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 filed a dispute with the credit bureaus regarding the duplicate XXXX XXXX mortgage accounts on my credit report. ( The accounts showing are listed below ) XXXX XXXX XXXX XXXX : 1. Loan # 1 ( {$180000.00} ) status indicates it is part of a bankruptcy filed XX/XX/XXXX, closed XX/XX/XXXX. 
2. Loan # 2 ( no loan amount ) status indicates it was transferred, closed XX/XX/XXXX. 
3. Loan # 3 status indicates it was transferred, closed. {$33000.00} written off. Loans 1 and 2 have the same account numbers and closed dates. 

The response from the credit bureau states the account was updated, but they are still on my 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 non-monetary relief
Consumer complaint received 2020-08-19
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:
I HAVE DISPUTED THESE ACCOUNTS AND THEY HAVE YET TO REMOVE THEM OR PROVIDE ANY PROOF THAT THEY BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: EQUIFAX, INC.
State: NJ
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 filed a dispute in regards to the incorrect items on my credit report.It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: EQUIFAX, INC.
State: VA
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 filed a dispute with the credit bureaus regarding the duplicate XXXX XXXX mortgage accounts on my credit report. ( The accounts showing are listed below ) XXXX XXXX XXXX XXXX : 1. Loan # 1 ( {$180000.00} ) status indicates it is part of a bankruptcy filed XX/XX/XXXX, closed XX/XX/XXXX. 
2. Loan # 2 ( no loan amount ) status indicates it was transferred, closed XX/XX/XXXX. 
3. Loan # 3 status indicates it was transferred, closed. {$33000.00} written off. Loans 1 and 2 have the same account numbers and closed dates. 

The response from the credit bureau states the account was updated, but they are still on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Westlake Services, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I purchased a XXXX XXXX XXXX XXXX XXXX from a car dealership and financed it with Westlake Financial in XX/XX/XXXX. The term is 48 months. I have a hard time understanding how I'm getting late payment on my report and my insurance company XXXX wrote this company a XXXX dollar check. However, I was responsible for XXXX. I had gap insurance but the company they dealt with only paid XXXX dollars. My complaint is : a company should not put inaccurate information on a person credit report. My term is 48 months and I'm not behind on my payments, I have several years to pay this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: AES/PHEAA
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: Account information incorrect

Complaint:
I disputed inaccuracies with a XXXX concerning my student loans. I consolidated my accounts and the consolidation caused the accounts to be paid in full and closed. I did this to clear up my credit report so that I can purchase a home. My on time payments are missing for a whole year and my missed payments are showing up with which is throwing off the ration, so I consolidated. Every other credit bureau removed the accounts from my credit report and reflect the current consolidated student loans except for XXXX and I would like them to follow suit and delete the inaccurately reported accounts and payment history. The XXXX representative told me that consolidation would resolve this so now I am asking that my XXXX be updated to reflect the changes as well.

Company response to consumer: Closed with explanation