BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Date ; XX/XX/2018 EQUIFAX I called to find out about credit report I was told that I needed to fax documents that show and state my identity I did this on the date above I called the same day to check to see if it was received I was told by a female CSR it would take 48 hrs for my information to be put into their system I told the CSR that I would call back on Monday XX/XX/XXXX so that it gives them sufficient time I called back today Monday XX/XX/XXXX I spoke to 2 CSR 's before I had to request a SUPERVISOR I was told by all of them that I have NO CREDIT I am not in their system yet I applied for a HOME LOAN and my LOAN PROCESSOR can not get my CREDIT SCORE which is odd because 2 other credit report companies had my information for my LOAN PROCESSOR to obtain I was even told that my documents were not received I tried making an account via the CREDIT REPORT COMPANY WEBSITE It booted me to another CREDIT COMPANY in which it had me fill out my information and I was able to print my CREDIT INFORMATION I called back the CREDIT REPORT COMPANY and I explained what happened and that I wanted to START A DISPUTE I was told that I couldn't because I was not in their system which I have repeatedly told them that was odd if I have 2 CREDIT REPORTS FROM 2 different CREDIT REPORT COMPANIES The CSR 's kept asking me if I have CREDIT and I kept telling them YES ' This has caused a lot of unnecessary stress This is effecting not just me but my family This CREDIT REPORT COMPANY Is very unprofessional and everytime I tried to explain something to them they talked over me All I want is this to be fixed I was also told to call my CREDITORS and tell them to forward my CREDIT STANCE to them which is odd because all CREDITORS SEND INFORMATION to CREDIT REPORT COMPANY 'S my CREDIT should be in the system

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: ONLINE Information Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX was paid {$160.00} for an outstanding bill. XXXX XXXX XXXX is still reporting to my credit file as a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
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 is missing that should be on the report

Complaint:
Upon checking my credit file Equifax deleted my accounts that should be on my credit file. 1. XXXX  credit card 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX these are all of my credit cards that have positive ratings this error has caused my credit score to drop 110 points. This is unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: CIT BANK, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
Based on my research, I have experience a difficulties and mis communication in regards to taxes and insurance which I was directly to pay accordantly and on time, which I have been paying the taxes and insurance on time in timely fashion. However I have been sick prior toXX/XX/XXXX. I'm not late on my taxes and insurance. 

I was previously offer a modification with a servicer who I have a reverse mortgage currently with. I according to my research, I was told that If I'm in reverse mortgage I shouldn't be offer a modification, because servicer pays the mortgage. I'm responsible for only paying the taxes and insurance which is update. 
I have paid the servicer {$30000.00} by certified checks and nothing has been applied to my account and still want me to pay additional {$15000.00} which is in question, If not I would be put into foreclosure. There are several ultra violation and RESPA / Truth n Lending /Preditory lending practice/Dodd Frank Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
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: Account information incorrect

Complaint:
XXXX XXXX XXXX Equifax and XXXX are not updating this balance correctly on my credit card. I would like for this cc to be updated with a XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
About 11 years ago I opened a checking account with Wells Fargo. The product was to be free of monthly charges if I opened and sent XXXX $ a month to a savings account. 


I did this and have sent XXXX $ per month to the savings account without a miss. 


Several times over the past years Wells has tried to add XXXX $ a month fees to my account. I have after spending a great deal of time and energy managed to get these fees recredited. 

In XXXX and XX/XX/2018 they tried it again and deducted a XXXX $ " XXXX by Wells Fargo '' monthly service fee. I have never of " XXXX by Wells Fargo '' nor have I ever asked for it. 

I called Wells Fargo to try to deal with this latest attempt to pick my pocket. I was on the phone for at least 30 minutes, transferred to three different people. No one could deal with the problem. I was eventually transferred to someone named XXXX and after explaining my issue was disconnected by Wells Fargo without any resolution. 


They had my phone number, at least I had given it to at least 3 different people and never attempted to call me back.

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 monetary relief
Consumer complaint received 2018-10-08
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted to dispute this collection off of my credit report twice. The second time i mailed a certified letter to XXXX and they received it and signed for it XX/XX/2018. I mailed them a demand letter for verification of debt as well as a request to remove it due to me disputing it and it is not my debt with other documents. Nobody has ever responded to me. I called in on XX/XX/XXXX in regards to why i have not heard anything and why is it still on my credit. I was asked at that time would i like to start a dispute and i told them " NO. '' this has already been a process why start over. An representative decided to go against what i requested and per them ALL CALL ARE MONITORED OR RECORDED. I have also received two letters from Citi Banks executive office stating they do not have any record of debt owed by me to their company. The last letter received from Citi Bank was XX/XX/18 which is 1 of 3. On XXXX i spoke to XXXX XXXX who advised me she will request a supervisor to call me back within 48 hours, and also made me aware of the dispute being opened XX/XX/18 without my permission and as of today i have heard nothing.

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 2018-10-23
Company: FirstPoint Collection Resources
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
First Point Collection Resources has repeatedly contacted me in regards to a medical bill unknown to me in the amount of {$2800.00}. The company has threaten to report consumer information to my credit file. My credit file has been effected with a collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX I phone and received written confirmation that my loans were deferred and not due until XX/XX/XXXX. Shortly thereafter, I received an email that states the same : " Your payments will resume on XX/XX/XXXX. '' On XX/XX/XXXX I received another reminder email stating that the date was now on XX/XX/XXXX. On XX/XX/XXXX, XXXX and XXXX  were notified that my account was no longer deferred which negatively impacts my credit report. 

I called and the agents and supervisors argue with me and state that they are not obligated to provide anything to me in writing. I need this issue addressed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was never notified I could release a cosigner when I asked this specifically. I spoke with a representative and asked if I could do anything to get my cosigner name off the loan. This was several years ago. I have an extra girlfriend on my loans as a cosigner and wanted her name off. That is wrong to not notify me that I could release her.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company XXXX XXXX XXXX has been calling and emailing about a made up debt that I do not owe. I have NO outstanding DEBT. I do not know if this is some identity theft group of criminals or simply a 100 % pure Scam as this company has thousands of hits saying it's a scam organization and a few years ago it was sued and banned form debt collection by the Federal Trade Commission for this very thing. They called my office and repeatedly attempted to verify who I was and would not give me any info as to who they are. They call my cell phone under various out of state numbers but leave no information. I have Zero credit card debt, loan debt, payday loan nonsense, no medical bill debt, outstanding charges on ANY credit card, or ANY debt from ANY unpaid bill. I resolved a bill in it's entirety - for which I have documentation - for my ex-husbands home owner 's association in XX/XX/XXXX and there was a debt collector that got my info as the bill had been overlooked in the divorce. I assume that is how these people targeted me for this scam. Please advise.Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have previously filed a complaint about this company Santander Consumer USA inc. The case id for my previous complaint is ( XXXX ) Santander restored my account to an active account and immediately placed in the collections department and demanding the back payments for months of dispute of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. My account was not made active until approximately XX/XX/XXXX. They are attempting to make it appear as I have just not made any payments for no reason other than just not paying them. I am seeking that my account be listed as active and current and to begin making payments again as scheduled once the dispute is resolved. I believe it is unfair for Santander to unwrap my loan then reactivate it and place it in collections as being three ( 3 ) months behind when thy cause the problem to begin with. I want my payments to restart on XX/XX/XXXX without any additional interest or back loading of the loan. I made the first six ( 6 )  payments without fail. I want to resume with the seventh ( 7th ) payment and not have to pay Seventh ( 7th ) thru Tenth ( 10th ) all at once. Every bit of this situation could have been avoided had Santander informed me at any time during the first six months of my account. I firmly believe that Santander consumer USA inc. is a predatory lender preying upon person at a disadvantage. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and the following accounts are not my responsibility XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.

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 2018-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft and the following accounts are not my responsibility XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sent Transunion a letter asking for verification of Items on my credit report. I referenced section 609 of the FCRA. This letter was sent on XX/XX/XXXX.

I asked for Physical Verification Creditor for the following creditors : XXXX # XXXX ( the status of this account showing chapter XXXX bankruptcy ) XXXX XXXX XXXX XXXX # XXXX ( shows 30 days late XX/XX/XXXX) XXXX XXXX XXXX XXXX # XXXX ( account showing chapter XXXX  bankruptcy ) XXXX # XXXX ( account showing chapter XXXX bankruptcy ) XXXX # XXXX ( account was paid in full showing chapter XXXX  bankruptcy ) I requested documentation proving these items accounts should be in bankruptcy and that their mine.

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 2018-10-08
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage and HELOC and Ocwen is the mortgage servicer. I've been making timely payments on both loans since 2005, mostly via online or over the phone and have never been charged a " service fee '' for paying electronically. Now Ocwen is charging {$7.00} to make payments online or over the phone. These payments are deducted directly from my checking account, so there is no credit card fees or any other fees incurred by Ocwen. In fact, electronic payments reduce Ocwen 's operating costs as I'm not sending checks to their lockbox which charges them a per check fee to process. 

Given Ocwen 's well documented violations and substantial penalties assessed, you would expect them to be more consumer friendly, however, that's definitely not the case as this outrageous processing fee demonstrates. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: U.S. BANCORP
State: CO
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:
I received a XXXX XXXX card from U.S. Bank which I did not order or request from U.S.Bank. I do not, nor ever had any type of account with U.S. Bank and do not do any type of business with any U.S. Bank branch.. They have requested that I activate the card via their automated phone system at ( XXXX ). Upon contacting that number and going through their option list I was never given the option to talk to a person to inform them that I ( XXXX XXXX XXXX XXXX did NOT order or request any type of card from U.S. Bank. 
I am and will hold onto the card until such time as this complaint is resolved and upon that resolution will shred and destroy the card.

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 2020-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this charged off account in full with Kohls and was under the impression it would be removed completely from my credit. They changed it from charged off to paid but did not completely remove the account therefore it is still negatively effected my credit score although I do not owe the anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I returned a vehicle to GM Financial. GM Financial charges me {$180.00} in late fees even though I always attempted to makemy payments on GMs website on approximately the same day, within the grace period. 

GM Financial is also reporting derogatory information to credit bureaus concerning this account. 

GM Financials website experienced significant problems, and GM indicated that it would waive late fees and delete derogatory credit information due to customers inability to make a timely payment. 

Nevertheless, GM Financial has refused to waive these late fees and has refused to correct erroneous credit reporting on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX - XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2020 I noticed a fraudulent inquiry from XXXX XXXX. I called to request XXXX remove it and they said they would. I asked that ALL names other than XXXX XXXX and ALL addresses other than my current XXXX XXXX XXXX address be removed. He told me he needed specific names and addresses which I did not have access to. he refused to help any further in order to help me prevent future fraud due to old and outdated information on my report.I filed a complaint with the CFPB and XXXX did NOTHING but copy/paste some cookie cutter XXXX and didn't even try to address my complaint.Equifax and XXXX were not part of the initial complaint but I am adding them to this one because their online dispute portals are buggy and do not work properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On    XXXX   XXXX   XXXX    and in   XXXX   XXXX   I notified  Capital One  that the balance they were/are reporting for account is incorrect.      Capital One fil ed a  XXXX  notice with the IRS in  XXXX  declaring {$700.00} of that account was cancelled. As required by law, I declared that amount as income on my  XXXX  tax return.     Therefore, the balance being reported should only be {$440.00}. Not the {$1100.00} that  Capital One  is reporting to the credit bureaus, and also being over credit limit.     I submitted a fair and reasonable offer to settle this account. This was based on the corrected amount and also  Capital Ones  various FCRA violations in the handling of this account.     They have failed to respond to the notification of the incorrect balance being reported, or to the settlement offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: Experian Information Solutions Inc.
State: IN
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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX

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