BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-07
Company: EQUIFAX, INC.
State: AL
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:
Ive tried multiple times to dispute Fraudulent information oN my reports. Equifax and XXXX  has customer service thats overseas and the workers barely understand English Ive been hung up on for lack of them understanding English. Ive contacted the company thats on my report and they says that theres no accounts listed in my name with them so why is it being reported on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: ACIMA CREDIT, LLC
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:
In XXXX XXXX fraudulently placed unauthorized inquiries on my consumer report 15usc1681a-4 privacy obligation not met. 15usc1681b no permission or wet ink signature to do this They typed out a letter in office to remove the inquiries. I contacted the 3 main bureaus. XXXX is the only one who removed the inquiries right then. XXXX removed majority of them. XXXX I paid to send mail certified and they received the documents and sent me a XXXX stall letter stating it was from a third party when I was the one who sent the items. They asked me to resubmit it, meaning I have to pay again to redo this. Ive spent numerous hours on the phone to get this done, so I will be suing for each violation on my consumer report or they need to compensate me for this embarrasing situation. 
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 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 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  Also Acima XXXX has a fraud late payment on my report, another violation breaking privacy laws, no permissible purpose law, if found they will also be sued for the violation 15usc1666b timing of payment history not allowed unless notified in advance if not notified of the late payment they can not place this on the report 15usc1681a ( i ) a ( 2 ) transaction history is excluded from the report XXXX inquiries XXXX  XXXX XXXX XX/XX/XXXX and XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
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: Old information reappears or never goes away

Complaint:
I have wrote about correcting my address and removing alias names and incorrect addresses from my report. 
Please can someone help me. Remove the incorrect info from 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 2019-08-13
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My maiden name is XXXX. i was married in XX/XX/XXXX. I moved to my husbands home in XXXX and opened another account here. My account was never locked until i attempted transfer my money into my new account. Now they wont allow me to access any of my money. They say I have to prove my identity by coming to their branch over 65 miles  away even though i have verified my id by correctly answering all their questions. They claim my account was locked since XX/XX/XXXX but i have had full access to all my funds including ATM access up until I attempted to change banks. i offered to provide my ID via email which is acceptable for most government agencies. This bank is refusing to give me {$3300.00}. I want my money!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
The late payments are innaccurate. I have talk to several representatives and no one could do anything. I reported fraud for charges on XX/XX/XXXX XXXX, XX/XX/XXXX. Capital One charged me for late payments for XX/XX/XXXX. I told the representative that Im not paying for charges I didnt make. They never removed the charges from my account. Also I have a new account Capital one QuickSilver Rewards credit card for the past 2 months. The late charges are on my new account too. My old account is Capital One platinum is were CapitalOne put the original late charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled my debt and received a letter from the bank who I owed the debt to. The letter dated XX/XX/2019 shows settled in full. However, I continue to receive debt collection notices from XXXX. I called and advised them my debt was paid in XX/XX/2019 and yet received another attempt to collect this debt notice XX/XX/2019. I emailed the company XX/XX/2019 again.

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 2020-09-01
Company: LAKEVIEW LOAN SERVICING, LLC
State: IN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Hello this complaint is towards my mortgage company Lakeview/Loan Care. On XX/XX/XXXX I received a notice from my county auditor stating one of my two parcels I own is going up for  property tax sale due to them not being paid. My loan was a USDA rural housing loan and it required all taxes and insurance be escrowed and this hasn't changed. The notice indicated the amount subject to sale was {$1000.00} which included the taxes not paid and all the penalties for non payment. I have called my mortgage company everyday but 2 trying to get this resolved. The notice stated if {$970.00} was paid by XX/XX/XXXX your name and property would not be listed in the local papers and county website stating tax payments have not been paid and now being sold at the county auction on XX/XX/XXXX. After sending the notice to my mortgage company and being told by one of their customer service people that it had been received and would be reviewed and closed by the XXXX. I made repeated calls and continued to get the run around from their customer service people and managers. They then changed the date to XX/XX/XXXX. On XX/XX/XXXX I called and asked for update and nothing again. But that customer service person told me if I paid the fee and provide proof I would get reimbursed. The following morning XX/XX/XXXX I paid a fee of {$960.00} to prevent it from being made public record because I pay my bills and didn't want the humiliation of such a post. I immediately sent the proof of payment to the customer service website as directed. The county treasure took off the most recent late fee from my mortgage company paying late for the other parcel. On XX/XX/XXXX a manger informed me that they do not do reimbursements of this type and I should not have been told that. The manager just kept saying the money was not in my escrow so there was nothing left to pay out. Told me that they will be doing a end of year review and my payment will be going up to cover the additional cost. How is this possible when nothing has changed since the day I purchased my property and home? They paid them in the beginning but stopped which resulted in the situation I am in now. How does a company get away with this?

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 2020-10-17
Company: SN SERVICING CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern : We recently contacted our Mortgage company on XX/XX/XXXX of this year XXXX. I needed my interest statement for TY XXXX and XXXX, they did provide. My husband and I have been considering refinancing our existing mortgage. One of the lenders in whom we spoke with asked us for a recent Morgage statement. I proceeded on XX/XX/XXXX to log into our Morgage Company 's website to obtain this information. To my surprise, I was unable to login. XXXX XXXX XXXX without hesitation, I assumed the kids, phones, tv was making it difficult to log in and I'd try again in my office in the am. I spent the majority of the next day trying every avenue of the web looking up our Morgage Comp. I referred back to our " large '' file of paperwork to find a phone number. I made my husband aware of our difficulties and gave him several numbers as well to call. To our surprise with both of us attempting to contact them all lines have been disconnected. We then preceded to go into panic mode. I then emailed the lady in whom last emailed me with our interest statement and that too came back undeliverable. How are we to make a mortgage payment in XXXX? Do we contact an Atty? We're lost and so here I am writing to you- Please advise, Our Mortgage Company has disappeared. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX Mortgage Company : SN Servicing Corporation XXXX Bounced back email undeliverable : XXXX and Email : XXXX Website : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Reference to the Wells Fargo correspondence letter, Subject : Resolution to inquires received for account number XXXX, dated XX/XX/XXXX, received in response to CFPB complaint # XXXX. 

In Wells Fargos stated commitment to making sure we have the documents we need to resolve our issue, we are requesting a correction to the Wells Fargo letter noted in the above paragraph. 

Original Wells Fargo letter stated incorrectly that the XXXX XXXX XXXX ( XXXX ), a FDIC financial institution acquired by Wells Fargo, paid off lien originated by XXXX XXXX XXXX ( XXXX ) in XX/XX/XXXX, for which the Deed of Trust currently is unreleased and blocked the sale of our property causing over {$2000.00} in financial damages. 

In response to our request for additional documents that supported the Wells Fargo research showing payoff of original XXXX XXXX in the form of a Payoff Letter, HUD-1, or any other documents showing amount, account number, and date, we were assigned a new Executive Resolution Specialist XXXX XXXX XXXX. 

In working with XXXX XXXX we brought forth the issue that XXXX was not listed in the chain of title deed on record and provided faxed documents to substantiate the issue from the County Clerk Circuit Court chain of deed title history along with a Certificate of Satisfaction showing the original XXXX XXXX was paid off by XXXX XXXX XXXX in XX/XX/XXXX and consecutively then assigned to XXXX XXXX  XXXX XXXX, in XX/XX/XXXX, which was then subsequently was acquired by Wells Fargo. 

XXXX XXXX upon further research was then able to provide the XXXX XXXX XX/XX/XXXX HUD-1 Settlement Statement showing payoff of the XXXX XX/XX/XXXX dated XX/XX/XXXX, from the Wells Fargo archive records.

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 2019-08-13
Company: Experian Information Solutions 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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES. THE ACCOUNTS ARE LISTED BELOW : ACCOUNT NUMBER : XXXX XXXX XXXX XXXX- {$1000.00} XXXX XXXX XXXX- {$500.00} PLEASE HAVE THOSE ACCOUNTS REMOVE OFF THE THREE CREDIT BUREAUS ( EXPERIAN, XXXX, AND 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 2019-05-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-05
Company: Experian Information Solutions Inc.
State: OK
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:
On  XXXX / XXXX /2017, A new collection account appeared on my Experian credit report. Reported by agency   XXXX   XXXX   XXXX  . (  XXXX  ) in the amount of {$88.00}. Original Creditor was  XXXX . I did have an account with  XXXX , but was paid in full when i closed the account and switched providers. I never received any bill, call, email or any notification that I still owed  XXXX  anything. On  XXXX / XXXX /2017, I contacted  XXXX  by telephone and was informed that I owed for an unpaid amount. I asked why I was never notified of this debt by either agency, and was informed they didnt know, and that I should have definitely been billed or contacted. I was also informed that   XXXX   had given   XXXX   the contact phone number I had originally provided when I signed up for their services, which has not changed, so I know that had they wanted to, they could have easily contacted me. Had I known they wanted more money, Id likely have paid them immediately as I have been working on my credit. No attempts in any format were made by  XXXX  or  XXXX  to contact me and inform me of any outstanding balance. My phone number has not changed, and I am rather easy to contact. Fair notice was not given to me by either company before this mark was added to 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 2018-07-12
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off the mortgage on XX/XX/2017. I received a Release many months later ; however, SLS has not notified the credit reporting agencies. I called SLS several times and only gotten the " run-around '' that papers would be submitted. This loan continues to show up on my credit report, namely XXXX and XXXX. I would like SLS to notify all credit reporting agencies that this loan has been fully paid.

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 2019-08-13
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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES. THE ACCOUNTS ARE LISTED BELOW : ACCOUNT NUMBER : XXXX XXXX XXXX XXXX- {$1000.00} XXXX XXXX XXXX- {$500.00} PLEASE HAVE THOSE ACCOUNTS REMOVE OFF THE THREE CREDIT BUREAUS ( XXXX, XXXX, AND EQUIFAX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX XXXX XXXX charges excessive interest fees. I paid an interest fee of XXXX dollars for a purchase as a late fee in XXXX. I had no balance and made no purchases to the month of XXXX. I was charged XXXX for an interest charge on no purchase and no balance. When I called customer service I was told that the interest charge was for the past month as the interest was calculated from the last month. I did not really know what this meant. This makes no sense and the billing makes no sense. I have several charge accounts and have never heard of anything like this. It seems like a gimmick to collect extra money for nothing. I spoke to customer service and the rep tried to explain the charge to me. It still make no sense. The interest charges are calculated to be paid twice as I understand it. Nonsensical again. It is not the amount that matters but this policy is clearly fraud. You ca n't charge interest twice as this store is doing. I had no purchase and no balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am a Victim of Identity Theft and on XX/XX/XXXX, I mailed out the first dispute letter via certified mail to Equifax with documents showing proof of Identity Theft. I attached a letter with the details of all the accounts that does not belong to me, that I did not authorized to be opened. I also attached my driver 's license, SSN, proof of address, Identity Theft Report, and the Fair Credit Reporting Act Section 605B letter. I have sent them all the required documents 3 times, and none of the Fraud Accounts has been removed! Now it is way over about 4 months they haven't resolved this matter, they clearly are not complying with the Fair Credit Reporting Act 605B. I need your help in contacting Equifax to respond to this matter immediately, as I have provided all required documents of proof to pursue this matter, or I will take action with the lawyer for monetary damages!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX, acquired an auto financed by XXXX XXXX, on XX/XX/XXXX, I personally delivered paid in full check for the auto loan account to the bank. Since that day XXXX XXXX, continue reporting the account as open and with balance. After multiples call to the bank and opening tickets for investigation credit agencies continue reporting wrong information. Disputed twice the account with transunion agencie and they keep saying and reporting the account is correct even when I had sent them and they had confirmed the reception of the paid off certification from the bank. Trans Union indicated directly by phone that Bank letter that certified account was paid in full and closed is not acceptable. Both the bank and Credit Report Agencies are violating the Fair Credit Reporting Act. I Cant keep calling and disputing the account when they are ignoring supported document of the paid account, and not investigating deeply about the 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 2018-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have sent a certified letter to TransUnion, XXXX, and XXXX disputing a negative item that they are reporting on my credit report from XXXX XXXX XXXX, account number XXXX. I have requested that they validate the information with XXXX XXXX XXXX and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which TransUnion, XXXX, and XXXX failed to do.

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 2023-04-15
Company: EQUIFAX, INC.
State: KY
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 the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with explanation