BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-09
Company: Experian Information Solutions 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 BEEN A VICTIM OF IDENTITY THEFT PROBABLY FOR OVER SEVERAL YEARS ACCOUNTS COLLECTIONS AND INQUIRIES I HAVE SENT MULTIPLE TIMES THRU THE FTC REPORTS AND OTHER THINGS TO BLOCK AND REMOVE THE FRAUDULENT ITEMS ACCOUNT ETC AND INSTEAD OF BLOCKING IN THE 4 DAYS I ASK THEM IF FOR ANY REASON THAT THEY FEEL THAT I AM LYING OR ANY OTHER REASON TO PLEASE SEND ME DOCUMENTS OF PROOF THEY SAYING THAT THEY CALL ME MULTIPLE TIMES WHICH IS A LIE UNDER THE FCRA THEY WOULD NOT PROVIDE ANY PROOF OF WHAT INFORMATION THEY HAVE IT WAS LIKE A GAME TO THEM BUT ITS DESTROYING 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 2020-09-09
Company: CHARLES SCHWAB CORPORATION, THE
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Om XX/XX/XXXX I submitted a mortgage refinancing application with a new lender in Virginia. 
I also have a HELOC with Charles Schwab which is serviced by XXXX XXXX. 
I was told today XX/XX/XXXX that Charles Schwab Bank will not allow its HELOC to be subordinated to the new first loan thereby causing my refinancing application to be denied. 
All communication about the HELOC is handled by XXXX XXXX  I have NOT received any information about this " policy change. '' This policy is blocking consumers from taking advantage of the decreasing interest rates and improving consumer financial health. 
Charles Schwab will only subordinate my HELOC ( that dates to XXXX  ) if I write the first mortgage with Charles Schwab. 
How is this an appropriate policy to block all existing customers from refinancing? 
Thank you for your 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 2023-01-10
Company: CITIBANK, N.A.
State: SD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Currently I am in the process of rebuilding my credit with some new credit entries on my credit reports that show being paid on time and yes some usage a little high, but I am making higher monthly payments to bring the balance down. 
I applied for a XXXX card that is issued by XXXX in XXXX XXXX SD. 
I received a response that I was denied for having old credit entries that are 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
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
State: NC
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX  Balance Owed : {$550.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I sent XXXX $ to my mail adresss XXXX on my PayPal account I never received the fund, i hoping the money come in times but now it s been. Way to long I want my money credited to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Loan included in Chapter XXXX bankruptcy. Servicer failed to calculate escrow correctly and wanted to change final order after Bk confirmed. Paid agreed upon payment. Servicer would not distribute escrow over XXXX year period per hardship and refused to accept agreed on payments. Would not allow a modification. Escalated to attorney referral and late fees. Contacted Attorney prior to Lis Pendis and requested payoff. Attorney delayed payoff until Lis pendis filed to include attorney fees and proposed fees. Requested adjusted fees stated they had to contact the servicer for the adjusted payoff. Finally received payoff with only XXXX in fees adjusted and no response to request for modification. Servicer modification team operates XXXX to XXXX est. only..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
All inquiries on my Equifax Credit report are correct except ( XXXX XXXX XXXXXX/XX/2022 ), ( XXXX XXXX XX/XX/2022 ), ( XXXX XXXX XXXX XX/XX/2022 ), XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ) ( XXXX XXXX XXXX XXXX ) these are unauthorized inquiries on my credit reports an I have mailed several disputes and see no changes!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
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 am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2020-07-15
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Experian credit bureau is claiming that XXXX XXXX XXXX  is stating my account is closed when it is not. I put in two disputes with Experian that keeps coming back saying this account is closed when it is not. XXXX  XXXX XXXX  also is stating that they are informing the credit bureaus that my account is open and active. XXXX XXXX and XXXX  are not showing this account as being closed, it is showing it as being active. Only Experian credit bureau is claiming this and This incorrect reporting is causing my credit score to be Tremendously low!

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 2020-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible

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 2023-07-03
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:
This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXX  XXXX : {$11000.00}

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 2023-05-10
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I was charged XXXX times by the same check with return check fees to my navy federal account. in violation of the federal trade commision act, I should not have been charged XXXX single time for any low balance returned check fee because i even had overdraft protection on. It has been taken to my credit collections and effected my credit score illegaly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
On XXXX of 2016 I did not receive a bill to my new address I was living at, which resulted in a late payment and is showing up on my credit report. All other payments were made 100 % on time for 4 years after that occasion. I am asking that you please remove these late payments from my credit report. 

Thank you in advance, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
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 am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts below be removed because According to 15 USC 1681 : I have the right privacy and I did not give Equifax written permission to furnish these accounts : XXXX XXXX XXXX 
Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account Number xxxxxx XXXX XXXX XXXX  Account Number XXXX  XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX  Account Number XXXX  XXXX XXXX XXXX XXXX Account Number XXXX XXXX Dept of EduXXXX Account Number XXXX XXXX Dept of EduXXXX Account Number XXXX XXXX Dept of EduXXXX Account NumbeXXXX XXXX XXXX Dept of EduXXXX Account Number XXXX  XXXX Dept of EduXXXX Account Number XXXX XXXX Dept of EduXXXX Account Number XXXX XXXX Dept of EduXXXX  Account Number XXXX XXXX Dept of EduXXXX Account Number XXXX XXXX  Dept of EduXXXX Account Number XXXX  XXXX Dept of EduXXXX Account Number XXXX XXXX Dept of Edu/XXXX  Account Number XXXX  XXXX Dept of Edu/XXXX  Account Number XXXX XXXX Dept of EduXXXX Account Number XXXX  XXXX US Dept of EduXXXX Account Number XXXX XXXX US Dept of EduXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: United Collection Bureau, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was called and a voicemail was left stating it was an attempt to collect a debt. I returned the call and someone verified they had no information regarding my phone number. This was a scam attempt and the company should be looked into. The phone number originated from XXXX but the callback number provided in the voicemail was XXXX. I requested to be removed from their call list, but could not confirm that actually took place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Valon Technologies, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Valon Mortgage bought my loan at the end of XXXX. ( Loan # XXXX ) Without notice, they set up an escrow account and paid for liability insurance, which I had already paid. I never authorized an escrow account for this loan. I have been paying the mortgage on this loan for over thirty years without an escrow account. I have independently paid for my own insurance and taxes on the property throughout the time I have owned it. I was told today by Valon customer service that Valon paid for liability insurance on my property, and that it was a mistake. I was also told that Valon would carry a negative balance on my escrow account unless I help them get back the funds they sent to XXXX XXXX in error. Here 's my complaint : a ) I did not authorize an escrow account, but they opened one anyway ; b ) they made a mistake by paying for an insurance policy that I already carried ; c ) they will not fix their mistake, but require action from me to help them receive their funds back. I should also note that the insurance they purchased was from XXXX XXXX, the very insurance carrier I have used for decades to cover the property connected to this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: Collection Information Bureau, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to XXXX, XXXX XXXX XXXX said they had verified an outstanding credit of {$230.00} with XXXX XXXX XXXX XXXX. The debt is not my mine. I asked for a copy of a agreement with XXXX XXXX XXXX XXXX, bearing my signature, a copy of the XXXX XXXX agreement with XXXX XXXX XXXX granting right to collect on the alleged debt, and copy of XXXX XXXX XXXX state license as a debt collector. However, they will not provide proof of their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: WELLS FARGO & COMPANY
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 would like assistance disputing several transactions on my account. I did not realize that I could do this and after filing a complaint with the Attorney General I have been advised that my recourse is to go through my bank. I have contacted XXXX  XXXX and been refunded in full but Wells Fargo on teh other hand does not seem to be as helpful so I am turning to you for assistance since I get nowhere when calling. To make a long story short, last year after watching a video on my XXXX feed about a guy who had quit his job because of this program. After speaking to the people I was assured this as a no-risk program and not to worry they will help every step of the way The first payment to XXXX  XXXX  XXXX, XXXX showed on my statement as XXXX  *XXXX  for XX/XX/19 {$590.00}. They also go by the aliases XXXX, XXXX, and XXXX  XXXX, XXXX. Under these aliases on XX/XX/19, I paid {$12000.00} from my Wells Fargo checking account check # XXXX. While I begin sourcing items through XXXX XXXX told I need to have services from XXXX XXXX XXXX for {$8000.00} on XX/XX/19 and then was contacted by a company named XXXX asking for {$4000.00} for tax services they reduced this fee to {$350.00} and never did anything for this payment. Then comes XXXX XXXX  XXXX  who I have already filed an Attorney General Complaint for they were to handle the business end of things and marketing over a weeks time from XXXX I am charged various charges totaling {$9800.00}. Then XXXX XXXX? Charges me {$20.00} and finally, as the company named XXXX XXXX on XX/XX/19 charges me {$2200.00} and another {$2000.00} that was supposed to be for a video and teaching or helping me use Social Media. I am sickened on how things snowballed from a desire to earn an income from home to basically being swindled out of {$35000.00}. These companies completely took advantage of me, they led me to believe I would be making all kinds of money with little effort. Nothing could be further from the truth this seems more like a well-concocted scheme that is meant for failure and I have ever since discover that there is a government injunction on one of the companies. I am pleading to you for assistance in having Wells Fargo help me with at minimum the transactions that were on my card ending in 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
Consumer complaint received 2023-01-09
Company: General Motors Financial Company, Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I sent documents to Dealer for XXXX XXXX refund. GM Financial has yet to receive Check from Gap insurance. The longer they wait the less the refund will be. I believe this being done intentionally, because when I bought the car a headrest was missing, and I was told it would be replaced in writing, which I signed. When I got home that was the only document missing. I called them and was told to come back multiple times, no headrest on promising, they would replace, or purchase another one. Never happened. The Associate who handled both, Gap, and XXXX is XXXX XXXX XXXXXXXX XXXX  7XXXX XXXX XXXX ext XXXX, fax XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never, or was late since I've purchased this car

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is an old case but after hearing about all of the fraud Wells Fargo committed, I am now convinced that I too was a victim of fraud. I had gotten a loan modification several years ago from Wells Fargo. Later, got laid off. When I called to inform them, they encouraged me to enter a deferred loan program. Told me not to send any payments until I received paperwork. This was XXXX. Received paperwork in XXXX then was informed that the program I entered required all deferred payment amounts to be paid immediately after program. When I said I could not, was told not to worry, wed do a loan modification. I am now 3 payments behind when I had made 3 years payments on time prior so I proceed. After program ended, they demanded deferred amount and would not accept any payments. I filed for loan modification but was denied. Was told that my income was not sufficient though I was earning over $ 35k more than I was previously when they granted me a loan modification. I appealed several times and each time was denied. This ultimately led to my home being foreclosed on. I fought like XXXX but who can win against the banking industry. I was the victim of Wells Fargos unethical business practices.

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 2018-10-01
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 status incorrect

Complaint:
My direct student loan accounts were in a defaulted status at the beginning of the year and my XX/XX/XXXX income tax refund was intercepted on XX/XX/XXXX to pay off the defaulted student loans. However, the accounts are still reflecting as seriously past due on each of my credit reports and the credit bureaus have not been willing to correct this information.My dispute letters were sent out on XX/XX/XXXX and no updates reflecting the account as current have been made

Company response to consumer: Closed with non-monetary relief