BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-20
Company: WELLS FARGO & COMPANY
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:
My EX-WIFE used my name, social security, personal finance information ( she would have had access to because of current alimony modification court proceedings ), to ATTAIN A " JOINT '' 40 YEAR REFINANCE on HER home. I have no doubt she forged my signature ; this is something she does repeatedly, to include on tax paperwork.

I have contacted the company ( XXXX- in XXXX XXXX ) and am disappointed thus far by their slow reaction. I have also contacted XXXX   to have this person 's home removed from my credit. 

I even included my divoce decree which clearly stated that I have no liability, responibility or ownership of her home. This was 4 years ago. I have not seen, spoken to or had ANYTHING to do with this woman in YEARS. I have a legal " no contact '' order against her. Yet now I somehow " jointly '' own a 40 year refinance with her?! 

HOW can a loan company be this open to fraud, deception, and ID theft?

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 2020-12-04
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 {$880.00}. 
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 ) -- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$880.00} -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 2022-10-27
Company: EQUIFAX, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
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: Account status incorrect

Complaint:
I checked my credit report from Equifax, XXXX and XXXX. I have also submitted disputes with each CB but nothing has been deleted and it's really stressing me out. When i contacted XXXX 's on XX/XX/2018 to take care of the past due balance, the collections supervisor stated verbatim that the negative XXXX 's trade-in would be redacted and deleted within 30 days, which would be by XX/XX/2018. However, as of XX/XX/2018, the negative balance has NOT been deleted and still reports on my credit report. Screen shot attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Citibank dba Citicards RETALIATED against my filing a complaint ( COMPLAINT ID XXXX ) recently against it with the CPFB. Citi has blocked me from making a payment online. Each time I have tried to pay, a message comes on stating " This is unexpected Looks like we're experiencing a temporary technical issue. Please try again later. '' Later never comes day after day. Citi has purposely made it impossible for me to make payments, as I have done in the past, online. This is another corrupt way to obtain late fees by Citi, while punishing consumers for filing complaints.

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 2023-05-11
Company: FORD MOTOR CREDIT CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2022, I was in XXXX when I was forcefully removed from my truck by four men with assault rifles who threatened to kill me if I did not hand over my truck. I completed a police report with the help of an attorney in the city of XXXX, but the only outcome was that the corrupt attorney actually gave the truck keys to the person who leads a local XXXX. 

The XXXX authorities have since reported seeing my truck, yet have been unable to recover it. The police stated that they know where the truck is parked at nighttime. However, they are afraid to obtain the truck from these tyrants. I realize that this sounds like a bad tv show, but its real life. I have contacted XXXX XXXX XXXX to cover the stolen car, but they will not cover it. I then called Ford and asked them for help with this loan gave them details about my incident. They cannont reposess my vehicle because the vehicle cannont be obtained by anyone ; including myself. Yet they are holding me financially responsible for the truck payment to the tune of XXXX, XXXX. Before this event, my XXXX  scores were in the high 800s. Now they are in the low 600s and Ford will not agree to stop placing late payments on my report. I contacted a person at Ford who stated that if I began making payments monthly, they would remove negative information from my report to help increase my scores. But they also stated that I would be held accountable for the full XXXX and that they would NOT work with me by ceasing to report active late payments on my credit. I have since discovered that even if I DO agree to pay for a vehicle I do not owe, those payments will not increase my credit scores if there are active new late payments being reported. I have contacted a Non Profit HUD counseling center, who has encouraged me to file this CFPB complaint. 

This has become a hardship for me and I feel heavily discriminated against. I own a business, and I have never been one to default on my financial obligations. Per the Fair Credit Reporting Act, I believe that I have the right to require FAIR and accurate credit reporting. I believe that FORD has the responsibility to demonstrate consumer fairness and provide accurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: EQUIFAX, INC.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/XXXX I called Equifax to have them take 1 account out of dispute. I called back the XXXX to see the status of my request and I was told that all disputes were pulled. I spoke to a manager and he told me that the employee made a mistake and that it would take 5-7 business days to fix the disputes and then an additional 5-7 business days to remove the dispute remark if it was still on their. This is keeping me from closing on my house and Im being told nothing can be done to expedite the fix and that its the system. I asked for a simple request and its all screwed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Loan was initiated on XX/XX/XXXX for {$7400.00} with XXXX XXXX in XXXX XXXX, MO which became One Main Financial. In XX/XX/XXXX, experienced financial difficulties and contacted XXXX XXXX XXXX. They were responsible for negotiating the interest rate and payment amount with creditors including One Main. After one year with XXXX, we got back on our feet and began making payments to One Main our selves. It was later on that I noticed that all of our payments were going to interest. I have contacted the company twice and they seem unresponsive with all my payments going to interest. As of XX/XX/XXXX, the balance on this loan is {$5400.00}. I have made over {$17000.00} in payments. The total amount of payments on the original contract is {$15000.00}. I have been late on some of my payments but this amount seems ridiculous. I have had XXXX XXXX, I have XXXX, and I can not work. I submitted a letter to One Main asking for some compassion with this issue. But they refused to do anything. So I decided to contact you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
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:
My reports from XXXX and XXXX both show an account, COMMUNITY LOAN SERVICING, showing negative payments for a time period that they did not own, nor service the debt. COMMUNITY LOAN SERVICING, only should be reporting XX/XX/XXXX through XX/XX/XXXX. These negative payments are now showing twice, one from COMMUNITY LOAN SERVICING, and again from the prior creditor. Also, I paid on time in XX/XX/XXXX, yet COMMUNITY LOAN SERVICING is not reporting it. I have contacted XXXX, XXXX and COMMUNITY LOAN SERVICING each several times to resolve this. XXXX, however, removed the COMMUNITY LOAN SERVICING from my credit report after their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filed a complaint in XX/XX/2023 ( XXXX ) about a disputed corp fee XXXX the bank did reply to me. just saying it was put in after the confirmation XXXX XXXX bankruptcy I do agree with the clam of XXXX and what the trustee payments of XXXX. BUT THE BANK CAN NOT JUST ADD IN EXTRA FEES XXXX with out justifying WHY? This is outside the banks stated clam when i filed XXXX XXXX. I was XXXX XXXX who did this! 
I want to pay up all my arrears at this time However the bank is NOT WORKING WITH ME. 
I can not get a live person to discuss the extra fees i want to solve this problem however i am getting the runaround. 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
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2020-07-10
Company: John C. Heath, Attorney at Law, PLLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I agreed to credit repair service with XXXX for a fee of {$130.00} per month. In return they were to get negative accounts removed from the three credit reporting agencies. After having conversations with two very affable paralegals, none of what they promised, during the conversations, ever transpired. I called yesterday to cancel the service. I was advised that I had an outstanding balance of $ XXXX I told them I would not pay. They said it would be withdrawn from my account. I have a meeting with my bank, XXXX XXXX, to stop payment. 

I feel I have been duped and would like the fees I was charged to be returned. My FICO score went down while they were working on my case. I am in worse shape now than before agreeing to their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I set up a payoff with Rushmore and my deadline to pay off was on XX/XX/XXXX. I made a same day wire transfer on XX/XX/XXXX for {$50000.00} to their XXXX XXXX account. They started calling me asking for {$200.00} because I missed the XX/XX/XXXX deadline. They claimed they hadnt received the payoff until after the deadline on XX/XX/XXXX. I emailed and faxed them proof of payoff showing a XX/XX/XXXX pay date. Was told I would get a call back last week or early week worst case and heard nothing from them. Yesterday, I called to get a status as I noticed they refunded me the {$50000.00} back to my bank account. Who refunds {$50000.00} for a {$200.00} problem that they couldve just did an override after showing proof???!! Oh, this company does! The supervisor told me they were still working on it and he had no answers. I paid them in full and they refused to release my deed. Now they refunded my money with no answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
State: AL
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:
For security reasons my credit report should not include my full account number. These companies has violated my privacy rights under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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/2020 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 2020-07-10
Company: Experian Information Solutions 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:
This account is reporting late inaccurately for XXXX and XX/XX/2020 when this account is restricted and not in use by the creditor which is illegal to do and I demand these lates to be removed before i seek legal damages this company is charging me fees for a account i have no access to use there isn't a balance since i can't use it so where are the fees coming from

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 2020-11-26
Company: DISCOVER BANK
State: GA
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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: Account information incorrect

Complaint:
XX/XX/XXXX of 2022 I submitted a dispute with Experian 's National Consumer Assistance Center regarding account XXXX XXXX. This account has been reporting inaccurately for almost two years now. Every time I try to dispute this account, Experian update the account with new information and the information that's being updated is still inaccurate. According to the FCRA, I have the right to an accurate credit report and this account has been a burden in my life because of the way the account is being reported. It's been reporting inaccurately for almost two years now and it's continuing to be updated with inaccurate information. This account is also being reported inaccurately across all three major consumer credit reporting bureaus. Experian along with the other two credit bureaus XXXX and XXXX is violating my rights. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ]

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 2021-11-27
Company: EQUIFAX, INC.
State: MN
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: Problem getting your free annual credit report

Complaint:
I am having a problem and issue getting my free annual credit report from XXXX XXXX, Equifax and XXXX, I am entitled to under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: JPMORGAN CHASE & CO.
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:
I was enrolled in a covid protection plan as of XX/XX/2020, and was informed that I can miss my home equity payments without negative reporting to my credit profile. Despite Chase 's promise to continue positive reporting on my credit, I was in fact reported late for the Month of XXXX. Despite missing XXXX, XXXX, and XXXX payments, ONLY XXXX was reported as 30 days, when in reality NONE OF THEM SHOULD HAVE BEEN reported as late on my credit as specified by the CARES ACT. I made all 3 payments on XX/XX/2020, bringing the account into a current status. I was promised that there would be NO NEGATIVE reporting what so ever. 

I was misled by Chase, and despite several request to correct the error, they are continuing to report erroneous derogatory infomration on my credit. 

Loan Number is XXXX

Company response to consumer: Closed with explanation