BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-20
Company: Experian Information Solutions Inc.
State: AZ
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:
My wife XXXX XXXX has been dealing with XXXX for years with them reporting this loan on her reports illegally. She finally got them to delete the items from her credit for the 3rd and what better be final time. Now they are on my report and they aren't even mine. We filed BK and she included these as a creditor to be discharged. SEE ATTACHED DOCS.

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 2021-04-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been declined credit to purchase a home due to a collection account opened by your organization that devastated my FICO score. I have never heard from your company until my mortgage company informed me of the account you have reported. Under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) this debt was supposed to have been validated prior to reporting to the credit bureaus. They have made no attempt at all. Now that I have been given the information that you have reported this I must inform you that that ownership of said account was disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I submitted all the proper paperwork to XXXX they investigated and concluded that it was reported wrong. They removed the bankruptcies and then put them back on. I have a copy of when they deleted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Ocwen reported to credit bureaus I was delinquent in paying mortgage and sent me my pay history. 

They neglected to mention that I made several extra mortgage payments they charged to " principle payment '' because I learned you have to call them directly to tell them to " ONLY APPLY TO PAYMENTS '' As you can see below, here are those payments that should have covered my mortgage payments no matter what so I was never delinquent in paying : XX/XX/XXXX {$1600.00} XX/XX/XXXX {$170000.00} XX/XX/XXXX {$910.00} XX/XX/XXXX {$1800.00} * *Note : The Ocwen phone person is the one who explained they put extra payments into principle only even though I didn't know that she told me she can now click the button that says " ONLY APPLY TO PAYMENTS ''. 

I am asking you to please have Ocwen revise their credit company reports to show I have been on time with my mortgage since the beginning. 

Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I've had this secured credit card with wells fargo for almost 3 years and never have they ever offered to increase my limit! I've been a customer since 2007 and I've been making my payments and doing my best to keep it under the limit. I've paid the card off several times and still no increase in credit limits. I was told before applying if I pay on time for 6 months my limit would increase. It's been 3 years where the XXXX is my credit limit increase?

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 2018-02-24
Company: ENOVA INTERNATIONAL, INC.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Sorry for the delay but CFPB must see the " shallow '' response from XXXX XXXX. Again, I submitted to CFPB a copy of the payment schedule as well as the contract via net credit. with my last complaint for CFPB 's view. I am not paying a " lower '' but a higher interest when the terms of my loans were changed which does not reflect anywhere on my contract. CFPB has been silent in this ongoing complaint against this company and I would like to see what you think. I have no " amortization '' sheet! I am going by my contract which does not at all include that the company may " change '' my loan term and charge me at a higher interest rate! I did not agree nor " sign '' to the changing of my loan especially to pay added interest because this company appears to be " A predator lender! '' Make no mistake I will not stop until things are made right and there are laws that actually protect consumers from this type of lending!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: EQUIFAX, INC.
State: CT
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 several unauthorized credit inquiries on my credit report. I have asked several times to have them removed and the response I have gotten was a standard " they will be removed once it has been 2 years '' They are not authorized and I want them removed from my report. the following inquiries were not authorized : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple inquiries ) XXXX XXXX ( multiple inquiries ) XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: FIFTH THIRD FINANCIAL CORPORATION
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:
While checking my credit report via XXXX XXXX, I saw that a company called " Fifth Third '' pulled a hard inquiry on my credit report on XX/XX/2018. I did not authorize " Fifth Third '' to pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: Pacific Union Financial, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX and XXXX customer service person at Pacific Union Financial said they over paid our annual homeowners insurance premium because they made a typographical error. As a result, this created a huge escrow shortage in our account. Due to their error, they raised our mortgage payment. Pacific Union paid our annual homeowners insurance premium in the amount of {$2200.00} instead of {$290.00} and as of XX/XX/XXXX our house note went from {$700.00} to {$1100.00} a month. They were previously taking out {$150.00} a month for taxes and insurance out of our escrow account up until XX/XX/XXXX. As of XX/XX/XXXX, they now take out {$550.00} a month out of our escrow account. 
In XX/XX/XXXX, we got a check from XXXX XXXX for {$2000.00} for overpayment. There was no accompanying letter so we thought we over paid something. We have since made a {$2000.00} payment back to Pacific Union but our account still has not been corrected. We were told they would have to do an escrow analysis first before they could fix our account and lower our house note. Then XXXX said they would have to wait for taxes to be paid before they could do an escrow analysis. We called so many times and talked to so many people and were always told to call back in a few days, a few weeks etc., but our account still has not been corrected even though taxes have been paid. We have asked to speak to a supervisor and get put on hold and no one ever picks up. We have asked for supervisor or management names and info as to where to complain about this but were told they didn't have that information! This is horrible and a total nightmare. We have also been given conflicting information by some of the customer service people who said our house payment went up because Pacific Union mistakenly bought unnecessary flood insurance ( we already have flood insurance through XXXX XXXX XXXX XXXX ). We were even told we were going to get a refund however, XXXX XXXX and XXXX said that was not true and our account was never charged for that. 

I am XXXX years old and a XXXX XXXX veteran. My wife is XXXX. We live on Social Security and trying to come up with {$1100.00} a month is a huge struggle for us especially when they are the one who caused this problem. We have never missed a payment or made a late payment but we don't know how long we can keep up having to pay {$1100.00} instead of {$700.00}. Our other bills have to be paid, too. We need our account corrected and our payment lowered and no one at Pacific Union has done anything to fix this. We need immediate assistance as our money is dwindling and we don't want to lose our home because of a typographical error. PLEASE HELP US!

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 2018-06-20
Company: ALLY FINANCIAL INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I recently travelled to XXXX, as I have many times. This was the first time doing so where I used my XXXX Debit/Credit Card I have with Ally Bank. Upon return home, I was reviewing my credit card transactions and realized that Ally Bank ( Mastercard ) was not converting the XXXX $ to XXXX $ as is expected and as happened with any other Debit/Credit card that I have used over the years when travelling to XXXX and other countries. 

They were charging the XXXX $ amount to my XXXX $ account on a one for one basis, ignoring the currency conversion from XXXX $ to XXXX $ as is suppose to automatically happen. 

I contacted Ally Bank and they refused to rectify the problem by issuing the appropriate credits to cover the lack of currency conversion that is normal and suppose to automatically happen. They made the lame and illegal excuse of saying it was not their problem, it was XXXX and therefore I had to contact XXXX. On the telephone they even tried to argue that this non conversion from other currencies is normal practice by banks. Not only is that completely a false statement, I have been using other bank cards for many years and the conversion is done AUTOMATICALLY. This is the first time in over 30 years this has ever happened. 

I do not do business with XXXX, I do business with Ally Bank and it was Ally Bank, not XXXX   that issued the card to me and it is Ally Bank that I log into to see the posted debit/credit card transactions and therefore they are responsible for the errant transactions that did not do the currency conversion and if something needs to be done with XXXX to fix it, then THEY ( Ally Bank ) needs to work that out with XXXX, not me. 

I have attached two documents : 1. Showing the transactions from my Ally Bank online ledger of my account. 
2. Their written response to my dispute.

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 2018-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Within the past five years, I opted out of receiving credit card solicitations with the Federal Trade Commission. Capital One has violated that twice. The first time was about a year ago ; the second time was yesterday. This is the only company that has violated the ban.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-17
Company: EQUIFAX, INC.
State: NY
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 will be my last attempt at contacting Equifax about this account that keeps reporting on my credit report. I have sent 7 certified letters to Equifax showing PROOF that this particular account is NOT mine and you would think after their security breach which i was apart of and NOT happy about that they would take this matter seriously! But Equifax chooses not too. I want to know who is actually verifying this information? Because from the looks of it no one is! XXXX? It's obvious from the looks of all the incorrect information that XXXX is NOT a proper way of verifying a account. I have given Equifax a certified letter straight from the horses mouth that this account is NOT mine. As i said above this is my last attempt until i file small claims for this and will be awarded knowing this account you report is bogus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: Navient Solutions, LLC.
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: Account status incorrect

Complaint:
To CFO : NAVIENT Student Loan has fraudulently used my Social Security MORTMAIN VESSLE account number to issue me my own credit. How I found out is when I linked my social security number to my small business bank account on XX/XX/2017 for XXXX XXXX dollars and was approved and acknowledged and NAVIENT SOFTED pooled my credit report because someone seen the transaction take place. I also filed a XXXX XXXX with the IRS as the issuer of my own credit and it was approved as a tax professional and NAVIENT still have failed to correct the records of the payments for All my student loans because their trying to raise capital off of me as a slave! I'm over the age of majority and competent! They are trying to comitt embezzlement again me. According to the VESSLE lien act, they only had until the age of 25 to commit this crime against We The People! I also reported this matter to XXXX for them to correct their records as well because their reporting false information against my account and has caused me punitive damages! This matter is with prejudice. 

P.S. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: EQUIFAX, INC.
State: KY
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 noticed on XXXX that XXXX XXXX - Account number - XXXX is being reported on my Equifax Credit Report twice, as having a {$2900.00} balance as well as a {$2900.00} balance. It is also being reported as Date Opened on XXXX as well as Date Opened on XXXX. I sent a letter to Equifax on that day disputing this information. I received a letter back saying that the information was verified as accurate from Equifax a couple weeks later. I sent Equifax a second letter on XXXX with a copy of my credit report and highlighted the duplicate entry of XXXX XXXX on my account and the different amounts owed, dates opened and status dates. It has been over 30 days since then and my credit report for equifax still shows the same duplicate entry of XXXX XXXX - Account number - XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
We have submitted several mortgage re-modification forms to Carrington Mortgage through XXXX - XXXX XXXX XXXX XXXX XXXX ( a non-profit organization ). 

I followed everything XXXX advised us to do for this process. We had two RMA forms submitted since XX/XX/2018. 

Then we get a notice for foreclosure sale date. 

I do not know why the first application was denied. They claim the second application was in-complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: EQUIFAX, INC.
State: WV
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:
For over two years, Equifax has continued to report a one time past due mortgage payment in the amount of {$600.00} from XX/XX/2016. Im not sure if the other two credit bureaus have reported the same. I cant get that information in time. I have repeatedly let Equifax know through their online dispute process that this payment was not late. I spoke with the bank two days  ago and confirmed that fact. During the process for my FHA loan, this erroneous information has caused a significant problem. This erroneous information has also significantly impacted my credit score costing me both loan opportunities and higher interest rates. It must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23
Company: GREAT LAKES
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-XX/XX/XXXX I went to college, a school that was sued and closed down by the Federal Trade Commission! The name of the school was named XXXX XXXX XXXX. After leaving the school, do to deceptive advertising practices, I enlisted in the US XXXX in XX/XX/XXXX, to help me pay for my federal student loan, which was {$2600.00}! The military had in option to pay that off. They didn't do it. After joining, you are not allowed to have cellphones, Internet or anything like that. So that debt fell into collections, and was eventually lost, do to me moving from basic training, advance training, my duty station at XXXX XXXX Texas and finally XXXX. I saw that from time to time on my credit report. My point is that should be OFF my credit report because its way past the 7 year statute of limitations. 

As for the main two NEGATIVE marks on my credit report, are from XX/XX/XXXX one of which is {$3000.00} and the other is {$4000.00} ... .. These are WRONG! They are both listed as EDU. I did NOT attend ANY school in XX/XX/XXXX! Nor did I take out any loans or credit cards that equal the amount listed there! These are both erroneous marks on my credit report. 

I enlisted the help of XXXX XXXX to help dispute these negative marks. I been tentatively selected for a XXXX XXXX. And I don't want something that dose not even belong to me, ruin my chance at wonderful career. I have in til XX/XX/XXXX to make my case to the Point of contact at the government. 

Any proper debts I do have are well beyond the 7 year statute! In fact in XX/XX/XXXX I took out a auto loan for {$14000.00} and I paid that XXXX in XX/XX/XXXX!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: JPMORGAN CHASE & CO.
State: VA
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 received alert from XXXX XXXX of an inquiry from CHASE, XXXX and XXXX bank dates XX/XX/18. I did not apply for any credit from any of these lenders. I have a car loan from Chase and did apply for a credit card early last year, but nothing since then. These inquiries are unauthorized. In logging into one of my email accounts I dont use often, I see the declines were sent there & I NEVER use that email because it gets sooo much spam, so Im looking into putting a freeze on my credit file until I figure out whats going on. I had a bag full of old mail sitting around for a couple days that I intended to go shred, but it was thrown out by accident and I am freaking out. 

Please delete these inquiries because I did not submit any recent applications. You can email me at XXXX, or, send your response in writing to XXXX XXXX XXXX XXXX XXXX VA XXXX

Company response to consumer: Closed with non-monetary relief