BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-03
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Derogatory marks PUBLIC RECORDS Credit Factor Account Info Reported on XX/XX/2019 DISMSD/CLSD CHXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have submitted a dispute for a hair salon service that was not properly performed and subsequently ruined my hair. I contacted the merchant and they offered a do-over but the 2nd time only made my hair worse after I have questioned if the service can be done twice within a week without make further damage. Now my hair is so damaged and fragile and I have nothing to do but to wait for my hair to grow out and cut them. I paid {$270.00} so that I can have a easy time every morning without spending much time on my hair and instead now I have to because how frizzy and damaged they look. 

Citi has closed my dispute in favor of the merchant. I have explained my situation to Citi and I have photo evidence to show that the merchant did not resolve my issue. The charge was made on XX/XX/2020 for {$270.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: CITIBANK, N.A.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have made arrangements to pay this company in installments and have already made the first payment.

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 2019-02-18
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I sent investigation requests to the credit bureaus ; asking them to correct errors on my credit report. THey were supposed to respond within 30 days, but have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX {$420.00} XXXX   XXXX {$700.00} XXXX XXXX {$450.00} XXXX  XXXX {$520.00} 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 2018-02-02
Company: EQUIFAX, INC.
State: UT
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 have been established fraudulently without my consent, I have kept disputing these accounts with Equifax, XXXX  and XXXX. To this day I have not received any verification these accounts are mine. I request they be REMOVED IMMEDIATELY FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Experian Information Solutions 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:
HELLO, I AM INQUIRING REGARDING THE REMAINING NEGATIVE ACCOUNTS, THAT ARE CURRENTLY REFLECTING ON MY CREDIT REPORT. IT IS NOT FAIR TO ME THAT AFTER SEVERAL ATTEMPTS AT TRYING TO RECTIFY CERTAIN DEROGATORY INFORMATION ... THE CREDIT BUREAUS HAVE FAILED TO PROVIDE ME WITH ACCURATE AND COMPLETE RESPONSES REGARDING THE NEGATIVE ACCOUNTS ON MY CREDIT REPORT, WHICH I'M DEFINITELY NOT LIABLE FOR. THE MAJORITY OF THE ACCOUNTS HAVE BEEN EITHER REPAIRED OR DELETED OFF MY CREDIT REPORT. THERE IS NO REASON AS TO WHY IF XXXX  XXXX XXXX  WAS ABLE TO DELETE ONE OF THE XXXX  XXXX ACCOUNTS FROM XXXX OF XXXX, DUE TO THE FACT THAT IT DID NOT CONSIST OF ANY ACCURATE INFORMATION AND DOES NOT PERTAIN TO ME. THE OTHER XXXX  XXXX XXXX  ( AUTO ) ACCOUNT FROM XXXX, WHICH DOES NOT BELONG TO ME IS STILL THERE. PLEASE HELP ME REMOVE THE FALSE NEGATIVE HISTORY OFF OF MY CREDIT REPORT IMMEDIATELY. I GREATLY APPRECIATE 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 2021-07-14
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:
HELLO, I AM INQUIRING REGARDING THE REMAINING NEGATIVE ACCOUNTS, THAT ARE CURRENTLY REFLECTING ON MY CREDIT REPORT. IT IS NOT FAIR TO ME THAT AFTER SEVERAL ATTEMPTS AT TRYING TO RECTIFY CERTAIN DEROGATORY INFORMATION ... THE CREDIT BUREAUS HAVE FAILED TO PROVIDE ME WITH ACCURATE AND COMPLETE RESPONSES REGARDING THE NEGATIVE ACCOUNTS ON MY CREDIT REPORT, WHICH I'M DEFINITELY NOT LIABLE FOR. THE MAJORITY OF THE ACCOUNTS HAVE BEEN EITHER REPAIRED OR DELETED OFF MY CREDIT REPORT. THERE IS NO REASON AS TO WHY IF XXXX  XXXX XXXX  WAS ABLE TO DELETE ONE OF THE XXXX  XXXX ACCOUNTS FROM XXXX OF XXXX, DUE TO THE FACT THAT IT DID NOT CONSIST OF ANY ACCURATE INFORMATION AND DOES NOT PERTAIN TO ME. THE OTHER XXXX  XXXX XXXX  ( AUTO ) ACCOUNT FROM XXXX, WHICH DOES NOT BELONG TO ME IS STILL THERE. PLEASE HELP ME REMOVE THE FALSE NEGATIVE HISTORY OFF OF MY CREDIT REPORT IMMEDIATELY. I GREATLY APPRECIATE 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 2021-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive contacted Capital One Bank on numerous occasions after I received a letter in late XX/XX/XXXX stating that I have a XX/XX/XXXX court date. I was notified that there will be an investigation of the Fraud Alert that Capital One rejected me twice. They stated that it was a false claim. The false claim is false. I just received a phone call from a young lady by the name of XXXX from XXXX XXXX XXXX today at XXXX XXXX CT. XXXX stated that I communicated with Capital One & XXXX XXXX XXXX back in XX/XX/XXXX. She said that I called for a hardship so that I wouldnt get my wages garnished. And she also said that I said I had hardship during Covid. Both claims are incorrect so I am waiting for a phone call from the investigation of that phone call where I allegedly said that I was affected by COVID-19 & needed a hardship. At the beginning of XXXX, I received paperwork and appeared to court on that paperwork date. The judge, on the XXXX court call, told me that there was nothing that I needed to do not & that basically XXXX and XXXX filed something to keep the case going. Im just highly confused because now Im being told that I asked for a hardship. The account is not mine. I asked for further fair investigation. And when I asked her to send me the statement that showed the {$2500.00} credit limit being exceed it to over {$3000.00}, and resulting in {$3500.00} with {$.00} balance. Upon asking, she told me there was an address of XXXX XXXX XXXX in XXXX, IL. Ive never resided at XXXX XXXX XXXX and Illinois Postal Service can back that claim. If I need to submit this, I would do so. I submitted a claim back in late XX/XX/XXXX on this platform. I was told that this account was pending investigation by XXXX and XXXX but instead, Wage Garnishment was the pushed objective from the company. The only other option discussed was 24-36 months of voluntary payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX of 2018, I came into XXXX Toyota in XXXX XXXX, TX to look at a vehicle for my mother XXXX XXXX and I. I had a approved loan from my lender XXXX and I had requested the salesman and finance manager that I did not want to have my credit pulled. I come to find my credit was pulled by 5 creditors including TFS. I escalated to XXXX and was advised to dispute directly with the creditor. I also have a text message that states I had advised him to make sure no credit is pulled as I am on my way to the dealership and he complied. Please see attached for the complaint to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: Multi-Financial Services, Inc.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whom it may Concern I made a payment on XX/XX/18 to Mulit financial in the amout {$310.00} and it wasn't posted.. After making several calls to mulit fimcial without any success i reached out to XXXX XXXX XXXX XXXX  who hold my mortgage for help. 

At that time a employee from XXXX reach out though email to see why the payment wasn't posted. Not until XXXX got involved the next day my payment shows. 

When ask why it took so long for payment to shows 20 days later from payment date no answer.. Now payment is showing as if it was posted correctly on XX/XX/2018 XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo had a covid19 program which allowed the customer to put the mortgage payments on hold for 90 days. 

The 90 days are up next week and I am refinancing the mortgage with another company. The other company has a wire to send to Wells Fargo but Wells Fargo will not remove the forebearance or answer the phone to allow my new company to pay them off. 

I have tried online and get through 2 screens when it tells me that I have to call in order to proceed. I have now been waiting on hold since XXXX XXXX  MST and it is now XXXX XXXX  MST. - No one will pickup the phone. 

I am going to lose the lock on my new mortgage because Wells Fargo will not answer the phone or program their websites to facilitate payoffs of existing loans.

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 2020-08-19
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Friday XX/XX/2020 my PNC debit card was used for {$900.00} following a {$270.00} charge as well a {$280.00} CARD FREE ATM ACCESS funds withdrawn. I am an XXXX XXXX XXXX XXXX with XXXX XXXX XXXX   I was scammed by a guy who stated he could get me an SBA loan for XXXX XXXX   I gave him all of my personal information name social DOB account # routing # bank user name password and debit card number I thought it was a lot but my business is on the verge of being nonexistent due to COVID19 I contacted PNC and told them about what happen nobody has offered to send me a debit card or even get me a debit card issued they have restricted my online access so me being the actual acct holder can not see or get into my acct they were holding me liable for the fraud until I called and told them that Im not paying for something I did not do and they are holding my paycheck from me from my job during this pandemic I have no $ for anything I need because they wont allow me access I spoke with an agent named XXXX XXXX he was so rude to me did not want to offer assistance he denied my request to speak with someone else he was being deliberately unhelpful and did not know any information I had to give him my information in regards to everything he completely tore my spirit into many pieces in regard to PNC or any of their business practices he was so discourteous and I have no faith in the company what so ever it makes me want to file a lawsuit for pain and suffering. This person also filed so many wrong and unwilling disputes on my acct causing a lot of issues with merchants I have rapport with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Last year, my loan was transferred to Rushmore Loan Management for servicing. At that time, my loan was already seriously past due. On XX/XX/2019, I submitted my first request for modification. After consideration, my request was denied based on their determination that my > {$5000.00} monthly income was insufficient to support a mortgage and other existing debt. My failure to provide a deposit towards the arrears was also sighted as a reason for denial. 

Now, I am on a pre-foreclosure list and everyone in my family is receiving unsolicited mail, text messages, and phone calls about filing bankruptcy and/or fire sales. Besides the fact that this is my home of 15 years and I want to live the rest of my days here, moving is really not a reasonable option for me because I am a single parent, struggling to support XXXX XXXX  child in XXXX and XXXX child with XXXX and XXXX XXXX who is living with me and attending XXXX XXXX in the only town he has ever known. In addition, I myself am XXXX and XXXX  XXXX and just underwent major XXXX which left me unable to XXXX  independently. 

I did explore the possibility of refinancing with another lender but I have been advised that it is not an option for me due to my current arrears and the existence of a second mortgage lien against the property. 

With filing bankruptcy being my only other option to keep my home, I did re-apply for a modification again on XX/XX/2019. It is my understanding that mortgage companies are supposed to work with families to develop a modification plan to help them keep their homes and that hasn't been my experience thus far. Since I do not know what the outcome will be of my most recent application and I am so close to foreclosure, I feel the need to better understand the company 's modification process and why, if it so happens that I am denied again, I would not be given the opportunity to at least make trial payments prior to sending me into foreclosure, especially where I do, in fact, have a stable income sufficient to pay a reasonable mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
XX/XX/2018 Capital one bank USA reported unrecognized hard inquiry on my XXXX   credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: LEXISNEXIS
State: MI
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:
On XX/XX/XXXX I received a letter from XXXX/XXXX XXXX dated XXXX XXXX.The letter states '' thankyou for applying for a XXXX XXXX XXXX on XX/XX/XXXX '' .I NEVER applied for a personal loan through XXXX or its affiliates.This is fraud.I did have a XXXX XXXX  with no balance and early XXXX during breakout of covid-19 pandemic, XXXX closed my account citing inactivity.I did call XXXX at XXXX on XX/XX/XXXX at XXXX and spoke with XXXX.She took some information and stated that it was a soft pull and I shouldnt worry and transferred me to Bank fraud Unit at XXXX call with XXXX ended at XXXX.XXXX  statement to me is wrong about the personal loan i never applied for.When she transferred me to bank fraud unit, the bank fraud unit was closed.Recently, In XX/XX/XXXX, someone used my personal info to commit fraud at a XXXX through XXXX  to purchase a cell phone.This was fraud.Why almost a year later im getting a letter from XXXX???? .Therefore, I never applied for a personal loan from Discover/personal loans or it s affiliates.THIS IS FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: ALLY FINANCIAL INC.
State: MS
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 showing charge off. I havent been billed since XX/XX/XXXX, but its still reporting missed payments every month. Also, I have not received notice of collections or a new lender that bought the devious debt. I went overseas in XXXX and called the Lender to express that I was deploying in the armed forces and they told me that I would not have to make a payment until I came home. Call was recorded and monitored, but now theyre saying they dont allow such a thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: Recovery One, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account Name RECOVERY ONE LLC Open Date : XX/XX/2014 Balance : {$4200.00} This, " supposed '' debt that is reflecting on my credit files is totally an unfounded claim. 
This matter can easily be resolved by providing " any '' documents reflecting my true valid signature confirming my responsibility for any of these said " due amounts. 
However, there are none as I stated earlier, this is an unfounded claim of a supposed due debt that I have no clue as to why it has been continually posted. 
Please note that I filed a dispute via XXXX   requesting proof & validation of their claim previously and it was ignored. This is being reported by a company named " Recovery One LLC ''. 
Your assistance in this matter would be greatly appreciated. Note that this is the only thing ( other than inquiries ) that is burdening my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred this moth from XXXX   XXXX to Loancare LLC. Loancare LLC charges a fee for online payments even during the grace period of the loan. There should never be a penalty or fee if payment is made during the grace period.

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 2020-08-27
Company: Sequoia Financial Services
State: CA
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:
SEQUOIA FINANCIAL SERVICES located in XXXX XXXX, CA XXXX is claiming and reporting that I owe the following {$620.00}, {$1300.00}, {$530.00}, {$300.00}, {$190.00}, {$140.00}, {$100.00}, {$99.00}, {$89.00}, {$88.00} I have disputed all of their claims directly to the credit bureau and they kept reporting it back to my credit information. 
I have filed an ACCOUNT BREACHED last XX/XX/2019 and my account was compromised. I have protected my credit report and this company kept harrassing my file and continue to report the same amount even I have completely denied existence of this account they fraudulently claim. 

I have no knowledge of this debt they are claiming, I would like them to stop reporting all these claims to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
2014 Receivables management Systems took over a medical debit from XXXX XXXX in the amount of 76.00 over the years the amount has increased to XXXX. Clearly the collection agency has been applying additional fees and reporting them to XXXX. Additionally, the HIPPA agreement signed during treatment did not include Receivables management systems, there ability to verify the account is in direct violation of my rights as i did not authorize access to information obtained for medical treatment.

Company response to consumer: Closed with explanation