BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I started the loan modification in XX/XX/XXXX, theyve misplaced several documents, asking for documents 2 or 3 times. I had to complete the application 2 times now, the underwriter seems not to understand self employment. There is still no decision. 15 years ago we were victims to Predatory lending. Weve made every payment and not decided to short sale or foreclose. But the interest on the mortgage keeps going up, which we cant afford. And now principal will become due in XX/XX/XXXX. Were just asking for the interest to be frozen for a few years until our house is worth what we paid for it.

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 2020-07-17
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:
Someone used my identity to open several accounts and i've been trying to get the last account removed from my credit file but experian keeps saying its been verified. This has been very frustrating because i'm trying to refinance my house and get my life back on track. XXXX XXXX- XXXX opened XX/XX/2019 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 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

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 2020-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/20 I filed a fraud charge in my Capital One card. I have received my new card. Even though I have a {$500.00} limit and only {$450.00} against it, they will not allow me to use my card until the investigation is over which could be 90 days. I made a payment on my card on XX/XX/20 for {$50.00}. I should have access to this credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX XXXX XXXX {$220.00} XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA 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 non-monetary relief
Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: LA
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2015-11-23
Company: SKO Brenner American, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have something in collection that i have no idea what is it.collector name : SKO BRENNER AMERICAN.Then i dispute XXXX XXXX online.investigation result deleted, description # XXXX, file XXXX, date XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX XXXX. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Netspend Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
My name is XXXX XXXX and I am a blue all access net spend customer and net spend is cutting me off for no reasons at all. I had an issue with a supermarket that was supposed to give me back XXXX and never did and also got a broken wheel chair scooter device scam that was XXXX and net I told net spend I am in the hospital rehab for 5 years and longer and I don't know how much longer I am going to be here for.

I have no family help and friends help and no other financial institution because I have not been out in a long time and I can't take checks in the hospital rehab because problems with mail and things get lost in the hospital rehab and I get month checks that comes from the post office once a month on my card plus I pay my bills and use the card to buy things with. 

If you don't put me again I will get a lawyer and take you to court and sue you and or take you to small claims court and sue you there that's how upset I am with you guys at net spend. 

Please respond From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY 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 2020-07-17
Company: ENCORE CAPITAL GROUP 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:
I have paid my account in full with Midland 18 days ago and have yet to receive any updates, final payment letters, dismissal of my suit, and my credit reporting has not changed from delinquent status. When I call for updates, I am given the run around and sent from one " department '' to the next where each pretends to not have knowledge of the other 's status or activity on my account. Today I called to check on a full payment letter that was promised to me 8 days ago. Representative " XXXX XXXX '' ( an alias ) took a very unprofessional tone with me in response to my frustration with being lied to about the progress of my account closure. When told that the mail can take up to 30 days to arrive, I asked why it would take so long. He told me " if you want to work here, you can apply since you know how things work around here. '' I do not appreciate the way my account is being handled, considering I have paid in full as agreed upon 18 days ago. I should be done with Midland but they refuse to do the right thing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXXXXXX 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 Balanced Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balanced Owed : {$0.00} ; XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXX Balanced Owed : {$260.00} ; XXXX XXXX XXXX Balanced Owed : {$7500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$650.00} ; XXXX XXXXXXXX Balanced Owed : {$2600.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022

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 2021-07-10
Company: EQUIFAX, INC.
State: PA
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 no a knowledge of this account according to the FCRA This item must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
wells Fargo should forgive this loan due to the Fixed Rate Note and other documents.This is the legal loan note and the address is incorrect. Instead of two units at XXXX - XXXX XXXX Wells Fargo Mortgage Fixed Rate Note financed address XXXX - XXXX XXXX XXXX XXXX XXXX., XXXX XXXX, CA which is 71 properties instead of two. 

Violations both federal and state legal regulation of mortgage. Document not provide consumer as the law required at at the time of the loan. 
Wells Fargo transfer the loan to XXXX  XXXX XXXX. Wells Fargo has not taken care of the matter as of to date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX They call 3 to 4 times a day, they do not leave a message, they call from various numbers, all Mississippi area codes, yet they are in an overseas call center. ( XXXX  ) XXXX, ( XXXX ) XXXX, ( XXXX   ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX at all times of the day. The one time I did speak to them in XX/XX/2018, they refused to say who they were until I told them my name. I told them I did not have a job at the time and I could not pay and then a " manager '' came on the phone and just kept asking me for a payment plan and a credit card number. I told them at that time to stop calling me. They refuse to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Aargon Agency, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2013 I had a dispute with XXXX who claimed I had a XXXX $ Electric bill for a home with no appliances or heat running as it was unoccupied, after months I made them remove the meter from the property. They sold this debt that was never theirs to a company called AARGON AGENCY who is unlawfully reporting to my credit report that they are owed {$980.00} I have contested this and they have supplied false documents to reporting agency 's to maintain the credit fraud they are perpetrating.

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 2023-07-07
Company: Experian Information Solutions Inc.
State: IL
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 is reporting erroneous inquiries for XXXX, XXXX XXXX, and XXXX. XXXX. I have not given anyone permission to make an inquiry. I am requesting that these inquires be removed immediately.

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 2020-04-25
Company: EQUIFAX, INC.
State: MA
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:
In addition to a false 1099A for the HELOC being sent to me, on XXXX at XXXX, I spoke to XXXX XXXX XXXX her client XXXX, their legal representative. I told her I believe because of all of the illegal attempts to terrorize me emotionally and financially to incur XXXX XXXX  that her client XXXX is trying to kill me with the side affects to my health and financial life. 

She told me that " they are not trying to kill you, they are only trying to get you out ''. Recently please refer to CFPB complaints # XXXX and # XXXX false information has been and still is being put into the three credit bureaus damaging my credit already attached in the CFPB files. XXXX is also currently trying to foreclose on a HELOC non existent account that was said to be extinguished with the first illegal non negotiable account. The XXXX attorney is responsible for all of this criminal activity against me. 

This is NOT a duplicate complaint this one Adds to the criminal acts against me. The crimes I am referring to are in fact as follows : Credit reports are binding. 

" A third party loan servicer may not use unfair or unconscionable means in servicing any loan. Without limiting the general application of the foregoing, the following conduct is a violation of 209 CMR 18.21 : ... ( 6 ) Knowingly or recklessly providing inaccurate information to a credit bureau, ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: The CBE Group, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
My employer has been repeatedly been contacted by The CBE Group , INC, located at XXXX XXXX XXXX, XXXX XXXX, IA XXXX regarding an alleged debt. My employer, and i have both requested this company cease and desist, however this company continues to call. I sent notification via Certified mail, as well as regular USPS. I am not only disputing the alleged debt, but I am also requesting this company terminate their attempts at contacting my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Citibank refuse to provide invoice/receipt for Mortgage service XX/XX/2020. Citibank agent XXXX XXXX ( XXXX ) processed my Citi bank mortgage application and charged me {$750.00}. I think it is reasonable that the application fee is unrefundable. But XXXX XXXX refused to provide me a receipt or invoice for the application fee. 

In her email : Hi, I was told that there is no invoice for application fee : this is all we have. 

Credit Card Launched {$750.00} Your credit card transaction was successfully authorized at XX/XX/2020 XXXX CDT. 

Authorization # XXXX Thank you, XXXX XXXX Dedicated Lending Associate Assistant to XXXX XXXX Citibank , N.A . 
Direct Number : 4XXXX XXXX NMLS Identifier : XXXX Documents can be sent via email or fax please include last 6 digits of loan number. 
For e-mail send to : XXXX For Fax : 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 2022-12-07
Company: EQUIFAX, INC.
State: AZ
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts : XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Upon reviewing my credit report I noticed that an account with Toyota auto financing was taken out I did not apply for an account nor did I give anyone permission to open an account with my information. I am a victim of identity theft and I have made a police report with my local police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX has agreed to delete this tradeline from my credit report. They provided AUD # XXXX as proof of the deletion.

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 2021-01-24
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Genesis Credit management claims that I owe {$260.00} due to a broken lease. After contacting them they asked me to provide them with a copy of my resident lease during the period of the broken lease. I complied, sent them my present lease for the last 3 years along with a copy of the police report yet they refuse to delete the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Commonwealth Financial Systems, Inc.
State: NE
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:
In the last two months, I have tried to dispute a debt that popped up out of nowhere on my credit report. The first notification was from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX representing XXXX XXXX for the amount of XXXX. Which I dont dispute owing XXXX XXXX. The second account that popped up was from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX for XXXX and it says the original company is Tire Agent. I have tried to dispute this multiple times because Im being charged the same debt twice. Each time it comes back that the amount is accurate, when Im fact it is but I only owe the debt once. So today XX/XX/29 I tried to reach out to leafy financial and got a cellphone voicemail. So I then reached out to commonwealth financial and spoke to a supervisor by the name of XXXX XXXX who informed me that XXXX XXXX was the client they were representing. I asked him if that was the case then why is this debt being reported twice on my credit report, and when I disputed it you didnt clear it up with the credit bureau XXXX I requested something in writing stating that they Commonwealth were in fact representing XXXX XXXX and he told me he couldnt send me anything in writing. He could only send me what I owned commonwealth. I then stated that that is indeed fraud if youre reporting the same debt twice under false pretenses and will not clear it up. I asked to speak to his boss and he would not let me because he was busy. I stated that I would hold and he told me I couldnt hold and he would disconnect the call. I expressed I had no problem working out a solution to pay the debt after it isnt being reported on my credit twice. He refused and hung up on me.

Company response to consumer: Closed with explanation