BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-19
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Had Medicaid insurance. Medicaid stated they only have three months to submit claim. We gave them all of the information. At one point this company had four different collections on my credit report that were not correct. They were all removed and now a year and a half later one has popped back up

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
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: Information belongs to someone else

Complaint:
My identity has been compromised via the dark web, Equifax breach and the lost of my wallet. However, after properly reporting this unknown activity, I was also victimized by the 3 major credit reporting agencies by leaving by not honring my first request. Responding that accounts been verified, however As a general rule of law electronic verification can not be accepted as proof. Please remove and block the following accounts. 

1. XXXX  {$1100.00} 2. XXXX XXXX XXXX {$680.00} 3. XXXX XXXX 4. US Dept of Education {$6000.00} 5. US Dept of Education {$3500.00} 6. US Dept of Education {$3500.00} 7. US Dept of Education {$6000.00} 8. XXXX formerly XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: Santander Consumer USA Holdings Inc.
State: TX
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 emailed Santander via their website requesting full validation of the debt. Sander did not provide me with any validation as they stated they need to speak to " me ''. I provided them with what I needed. The bill has been paid directed to the collection agency. Santander is reporting incorrect dates " Las payment made XX/XX/XXXX ''. I have not paid them anything since XXXX. The collection had been at XXXX XXXX XXXX for 2 years. Santander refuses to give me full validation. I need these documents to show how old the charge off is. I requested the validation on XX/XX/XXXX. I received an email on XX/XX/XXXX stating they needed to speak with " Me ''. No validation gas been received to date. The agent 's name is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a home in XXXX new York. I fell back on my payments due to lack of income and tenants stop paying rent. I tried to modify my loan. However my lender Ditech which is the second mortgage lien on property has refused to help me. My first lien lender modified my first mortgage and I have kept my payments on time for over four years! Ditech has decided to litigate and cause me heavy legal fees instead of modifying my loan. I believe that the bank is violating my civil rights because of my race and religion. There are many of their clients in a similar situation where Ditech Modified their loan without any documents. They gave them a streamline modification. This is unfair and I want to pay and have shown my ability to pay my first mortgage after a successful modification. I should be afforded another opportunity. I can afford to pay {$1800.00}. a month if more is needed I will get it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: CCS Financial Services, Inc.
State: CO
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 contacted XXXX over the telephone regarding a collection that credit collections is reporting. XXXX and credit collections do not respond to the letter I have sent them. 

I am not disputing an amount owed, because the account shows paid, however this should have never been sent to collections * please see attached letter to XXXX *

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$520000.00}, {$3900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

-- REAL ESTATE LOAN 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$520000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$3900.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I'm making payments every month and there sending me payment balance that I'm behind when I'm not it's been hard with this covid 19 to make payments but I have been doing it and its getting frustrating and also the balance of the loan doesn't even move like the last 3 months it says XXXX and also sending me delinquent letters

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: BANNER CORPORATION
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
The documentation is self explanatory. I do not have regular internet access. Therefore, this complaint along with any correspondence relating to it must be mailed. Here is my info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ID XXXX and the complaint is against Banner Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Short synopsis of complaint : This complaint relates to the bank charging for paper statements on my checking account. Federal Law requires financial institutions provide paper statements. I formally sent Banner a letter on XX/XX/2021 requesting them they sent paper statements. I did not get a response from the bank, instead I got another paper statement fee on the XX/XX/2021 statement. I had multiple contacts via email with the local branch vice-president who did not explain why a fee was being charged but invited me to find another bank. I told the gentleman that not all banks charge for paper statements and its not only a violation of consumer rights but anti-competitive for Banner to charge a fee. I made it very clear that I need paper statements because I do not have regular internet access. I have attached both Idaho Code and US Code that state this fee for paper statements can not be legally enforced. 

Sincerely, 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 2020-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 disputed items with Tranunions and XXXX  on XX/XX/2020 and today is XX/XX/2020 and still no reply, its been well over 30 days and I would like for these accounts removed 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 2020-10-12
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$520000.00}, {$3900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- REAL ESTATE LOAN 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$520000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$3900.00} -This is not my account.

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 2020-01-20
Company: EQUIFAX, 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:
I am a victim of identity theft. I was contacted by a bank in reference to a loan that I did not apply for. That prompted me to check my credit report for accuracy and I found that someone has used my personal information to apply for several loans. This is my second time reporting this because the first time I reported it I only noticed inquiries for fraudulent applications. I just checked my credit report and now there are several fraudulent loans being reported on my credit. SOMEONE GOT A CAR USING MY PERSONAL INFORMATION. HOW CAN THAT BE POSSIBLE? My credit score that was once 800+ is now XXXX. I AM DEVASTATED! I need help and it seems that no one is willing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-26
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:
The following credit inquiries are fraudulent, unauthorized, not mine and from the XXXX XXXX XXXX XXXX XXXX  XXXX  major data breach that occurred on XX/XX/2018 : XXXX  XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX, XX/XX/2018, XXXX, XX/XX/2018, and XXXX XXXX XXXX, XX/XX/2018.

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 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 sent several dispute letters to Transunion on XX/XX/2020 along with Proof of my identity, and Ihave not received a response yet to any of my disputes.

As far as I'm concerned the Fair Credit Reporting Act indicates on Section 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. 

Please have Transunion delete these inaccurate inquiries off 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 explanation
Consumer complaint received 2020-06-28
Company: Lending Club Corp
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
LENDING CLUB CORP XX/XX/2019 {$8500.00}. This account has been paid in full. Ive asked for this account to be removed. because balance was -paid. lending corp has agreed but this account is still on my credit report. This account has caused me an financial set back. This company is violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Wells Fargo has eliminated the website used for submitting auto loan payments, requiring users to sign up to wellsfargo.com in order to make payments online, One of the requirements for access is that wells fargo wants access to my mobile phone information and permission to access files, videos, and addresses on my phone. 

To clarify, I am not trying to access any of there online products via my mobile devices or my phone. All of my online financial transactions are from a hardwired lan connect windows based PC. 

Their excuse of using my mobile device as a means of confirming my identification is completely bogus, my phone is supplied by my employer and has no identifying connection to me.

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 2021-11-04
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Good morning. My ongoing issues are with Equifax. I informed them several times via letters and phone calls that they have a lot of incorrect information reporting on my credit report and to please remove it and they keep telling me that they can't find me in their system. So I sent them pictures of my I.D . my social security card and a bill in my name along with my disputed accounts and it's now been about 45 days and I haven't heard or received anything back from them yet. They are violating my consumer rights and they aren't taking my issue serious nor are they trying to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Experian Information Solutions Inc.
State: NJ
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:
These accounts I had nothing to do with.

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 2020-05-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Experian, Has gone so far as to imply that I am lying to them. In thinking this they have broken the law because they are wrong and they are not doing the other parts that the law requires them to do even if they think I'm lying. Section B of 605B FCRA, demands of the CRA and it says very clearly to notify the furnisher of the information I am claiming identity theft, and they must tell the furnisher that I have filed a police report that I am claiming a block of imformation in section 605B of the FCRA, And let the furnisher know if they do not block by a certain date the information will be blocked. Because the law tells them they have to do that if I claim identity theft. No ambiguity or choice at all. The CRA-Experian Must do this, regardless of what they wrongly believe. 
Inquiries are infofmation in my file that resulted from identity theft, not fact ... .they are FRAUD and must be removed according to the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: CITIBANK, N.A.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I refinanced my home with Citibank mortgage company. During the refinance it included for my house taxes to be paid. They are due XXXX and XXXX of each year. It is documented in the closing papers. I realized in XX/XX/XXXX, my taxes was not paid. I reached out the mortgage holder now XXXX XXXX XXXX ( thru Citbank ) and the title company XXXX, XXXX. Thru many phone calls between agencies it was it resulted in finding out that XXXX County government never received the check from XXXX, XXXX. in XX/XX/XXXX. I began calling XXXX many times in which finally I spoke with XXXX XXXX who acknowledged that it was not paid and resent the check to XXXX county government on XX/XX/XXXX. But, at that point there was a late fee. So, XXXX county government only accept monies at the exact amount. XXXX County government sent the check to me on XX/XX/XXXX. I then called XXXX again to explain the situation. XXXX then offered to get the money wired to Citibank on XX/XX/XXXX. I continued to check my account and the money was never issued. I call twice a week every week to XXXX and also spoke several times to a supervisor XXXX XXXX which on XXXX XXXX he stated he sent the money to Citibank again. To date the money is not in my escrow account!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CAPITAL ONE BANK USA N XXXX {$500.00}. This account is an result of identity theft. I have no knowledge of this account. I have reached out to Capital One in reference to this account. Iam unable to open my own account because of this account. Capital one refused to help. This is a violation of the fair credit reporting act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-28
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with NewRez for a newly purchased home. Myself and my insurance agent have both provided my insurance policy information to them. I have tried writing to them and requested they correct their records to reflect my homeowners insurance. NewRez has yet to update their records and are now attempting to charge me for a policy that they took out to insure my home. They keep sending me letters advising I don't have insurance on my house, when I in fact do. I'm not sure what else I can do as my insurance and myself have provided the information to them and they still fail to update the information on there side. I feel as if they are intentionally not doing so. I believe they may get a quick back from the insurance company they use and therefore are intentionally trying to charge me and are not operating in good faith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation