BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-08
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: Information belongs to someone else

Complaint:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX Equifax : XXXX. There are also a number of inquiries on my credit that I did not approve : 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  There are several XXXX however I did authorize only 1 XXXX inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX 's apartment management company allows XXXX XXXX XXXX to put false, retaliatory marks on credit report showing late payment in XXXX of XXXX, when in fact rent was NOT late. 

XXXX XXXX is aware they and or the owners bribed XXXX XXXX XXXX XXXX Enforcement in XXXX to evade being cited, fined, or any records kept showing repairs neglected by XXXX XXXX for tenants ... violating tenant laws, safety and health regulations, and breaching lease contract. 

XXXX XXXX has been out here regarding defective plumbing no hot water in bath/tub for nearly 3 years, faulty window frames leaking water, broken handle and locks to front door I ended up replacing myself due to XXXX XXXX not enforcing tenant rights. 

Breakins to my apartment, vandalizing my property, tampering/vandalizing my extention cords to cause a fire which I caught and put out, have taken place over the years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: EQUIFAX, 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Navy Federal Credit Union XXXX, 2019 {$15000.00} this item is reporting inaccurate on my credit report I have sent all requested supporting documents to support my claim I request that all inaccurate reporting items be blocked and removed immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE A SERIES OF ISSUES WITH THESE ACCOUNTS. I HAVE A CABLE BILL THAT IVE NEVER SIGNED UP FOR. HOWEVER I HAVE BEEN A VICTIM OF IDENTITY THEFT. I HAVE A MEDICAL BILL THAT SHOULDVE BEEN COVERED BY XXXX, BUT INSTEAD THE BUREAS DECIDE TO PUT THIS ON MY CREDIT ACCOUNT WITHOUT CHECKING IF I WAS COVERED BY ANY TYPE OF INSURANCE. THEY HAVE NEVER REACHED OUT TO ME OR SENT ME ANY MAIL STATING I OWED THIS BILL. I CONTACTED THE CREDITORS ABOUT THIS INACCURATE MEDICAL BILL AT XXXX AND THE REP WAS VERY UNPROFESSIONAL AND EVEN MADE JOKES. I AM BUILDING UP MY BUSINESS AND THESE FRAUDULENT AND INACCURATE ACCOUNTS ARE CAUSING ME A LOT OF DISTRESS.REMOVE THESE INACCURATE ACCOUNTS OR I WILL HAVE TO ESCALATE TO THE NEXT LEVEL.

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 2020-10-22
Company: National Credit Adjusters, LLC
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
National credit Adjusters made an official statement that they would stop all collection actions and credit reporting until debt could validated. 
They have not stopped reporting wrongfully on my credit reports and when they failed to validate debt they sent me someone else debt with the last name of XXXX. 
All promises kept in writing were not adhered to and now this validates debt is false and violation of FDCPA has officially been proven.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Navient Solutions, LLC.
State: IL
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: Was not notified of investigation status or results

Complaint:
On XXXX/XXXX/2020, I wrote to you requesting an investigation into items that I believed were INNACCURATE. Under federal law, you have thirty ( 30 ) days to complete your investigation. It has been well over 45 days, almost 2 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX and Transunion are reporting an incorrect coding of the XXXX - account number XXXX. This account is being coded as an M2 when actually this needs to be coded as an M1. ( Please see page 3 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2018-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I was approved for a HELOC on our current property. Upon title review, we were informed by our credit union, XXXX XXXX XXXX XXXX, that there was a 2nd trust deed recorded for {$85000.00} HAMP Loan through our service provider, Bank of America on XX/XX/XXXX. My husband and I were NOT aware of this second lien. We were having difficulties back in XXXX paying our mortgage and applied for a modification. We were past due about {$42000.00}. We completed 3 trial payments successfully, then was approved for a modification through Bank of America on XX/XX/XXXX. We DID NOT agree to a lien on our house for {$85000.00} NOR was that amount revealed to us by the bank or on the documents we received. THE SECOND LIEN THEY PUT ON OUR HOME IS DOUBLE THE AMOUNT WE WERE PAST DUE! Due to this 2nd lien, we are unable to access out home equity to pay off emergency bills that we have, we are not able to refinance our mortgage. Bank of America mislead us as homeowners in believing that we were adding the past due amount to the back end of the mortgage. There was NO documentation provided to us or explained to us by the lender informing us of this HUGE lien that we would have NEVER agreed to. We did NOT sign agreeing to this {$85000.00}. We only owed half of that amount. Bank of America fraudulently had us modified our own under those terms. Also, on XX/XX/XXXX, we modified our home again, and no where is this big balloon amount included in the modification. There has to be something done about this fraudulent lien that Bank of American orchestrated through the HAMP program. This second lien should be dismissed and Bank of America needs to be held accountable for this misleading actions that has caused us great stress.

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 2020-07-31
Company: Navient Solutions, LLC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have had the same phone number for over 10 years ( earliest I remember is XXXX ). Over the last 3 years, I have been notifying Navient whenever I pick up that I am not the person they are trying to reach regarding a debt and to stop calling me. 

My last conversation ( XX/XX/XXXX @ XXXX XXXX ET ) was with XXXX XXXX in their Recovery Department ( XXXX ). I once again informed them that I am not the person they are looking for and to stop calling me. XXXX made a note on the account with my request however there were more people before XXXX who informed me that they made a similar note. I still receive calls. 

XXXX provided me with Navient mailing address for written correspondence regarding this issue to which I plan to send a cease and desist letter. I am writing to CFPB to address the situation with Navient as I have given more than two opportunities to address this issue. I will send a cease and desist letter through legal representation based on a resolution with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Fix this. It's a form I'm submitting to the CFPB. 

On XX/XX/XXXX, I contacted XXXX about the following incorrect information on my credit report. To this date they have not responded. 

The following account is not mine XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$4500.00}, Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$560.00}, Original Creditor : XXXX XXXX XXXX XXXX ) Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$2600.00}, Original Creditor : XXXX XXXX XXXX ) Please remove it from my credit report. 

The following account is not mine XXXXXXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$130.00}, Original Creditor : XXXXXXXX XXXX XXXX XXXX ) Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$120.00}, Original Creditor : XXXXXXXX XXXX XXXX  ) Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$24000.00} ). Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: ALLY FINANCIAL INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
I would like the creditor to comply, the alledged debt is outdate information reporting and has met the 7 year mark. please send me proof with all necessary information on the price and terms of credit. the account should not be reporting but dropped off. I can see the account still reporting on XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: AMERISAVE MORTGAGE CORPORATION
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a cash-out mortgage refinance with Amerisave Mortgage Corporation in XX/XX/2020 online. I wanted to refinance my 1st lien mortgage and an outstanding Home Equity Line of Credit ( HELOC ), but I did not want to close the HELOC once it was paid off with the proceeds from the refinance. During the application, I selected the available option to keep the HELOC open after the refinance and subordinate it to the new Amerisave mortgage. I even contacted my current lender to confirm that they would sign the subordination agreement before proceeding. 

The underwriting and approval process took 3 months, I spoke and e-mailed with the loan officer ( XXXX XXXX ) several times and this point never came up. 

At closing, we were presented with several documents for signature indicating that we were requesting for the HELOC to be paid off and closed. I let the closing agent know that this was not part of the transactions and we did not sign those documents ; I was not able to get a hold of the loan officer during closing. 

I spoke to XXXX XXXX after the closing and he indicated that the loan was processed with the HELOC getting closed. I asked him how it happened, since this was not what I had applied for or agreed to. XXXX XXXX indicated that this is the selection I had made on the online application when submitting it. I asked him if he was able to share whatever record of the online application that he was seeing in his system. He said that he could not share it and did not confirm that he had a record of this. He told me that our options were to rescind the loan within the 3-day rescission period or continue with it getting funded but we would need to sing the documents that were not signed and have the HELOC closed. He suggested that we could just " re-open '' the HELOC after this loan funded. 

I spoke to XXXX XXXX the day after closing to inquire if anyone else at the company would be able to offer a different option since " re-opening '' a HELOC costs several XXXX dollars in application fees, appraisal, etc. and all that would need to happen is for Amerisave to  get a subordination agreement signed by my current lender instead. XXXX XXXX indicated that this was not an option and if we wanted that, the loan would need to be re-priced and reprocessed, which would take an additional 30-45 days. I again requested documentation that I had selected this option at application. XXXX XXXX indicated that he was no longer able to see the application in the system since the loan had gone through closing. He, however, confirmed that despite not being able to see this record, he knew that to be true.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: FIFTH THIRD FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
I recently refinanced my mortgage account with 53Bank and my first payment was scheduled to happen on XX/XX/2020. 

I wasn't aware automatic payment was already set in my account so I initiated a manual payment on my side for that month resulting in an overdraft in my account because of the additional payment. I called 53bank " customer assistance '' number and they supposedly helped me to correct the error. They were not clear in informing me exactly what they were trying to do to resolve my problem so instead of just helping to correct the error with the additional payment and reversing the corresponding overdraft fees, they reversed the 1 good first payment that had already posted to my account. This resulted in 53Bank reporting to credit bureaus they never received my first payment and being late more than 30 days. Now they are saying this wasn't a mistake on their side but instead suggesting it was my mistake because I requested them to reverse it which I don't recall doing. Again, I am calling them because they are supposed to know how their system works and how to better assist me and advise me but instead they are just washing their hands right now and saying there is nothing else they can do about it to help me eliminate that error from my credit report. 

My attachment includes the detail I can see in my account showing 2 payments being reversed in XXXX instead of just 1.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately 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

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 2020-02-17
Company: Square Inc
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX SSA deposited 2 SSA Checks {$1700.00} each into my account. Company handling the direct deposit said to wait 3-5 days to receive the deposit and i never received it. The company is now refusing to help and making the process of getting my checks harder then what it is. Cause the refusing to release the checks to me i am now homeless and missing school cause of this. I already contacted SSA and they said they tried all they can do and this was XX/XX/2020. Company is CashApp and the Bank is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 already filed a formal complaint with the CFPB against Bank of America, they inquired on my credit without my permission months ago, I got a call from BOA one time and they pledged to investigate and remove it, yet here we are several months later and I STILL have their inquiry on my personal credit report. This is unacceptable.

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 2021-02-26
Company: T.S. Holdings
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:
This collection account XXXX XXXX XXXX is not mine. This account does not belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-22
Company: Dovenmuehle Mortgage, Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I made a mortgage payment of {$750.00} to Dovenmuehle Mortgage, Loan number XXXX By mistake I type XXXX when I opened my XXXX XXXX checking Account and added this loan number to my bill pay. About 3 weeks later a got a notice from Dovenmuehle that my mortgage payment was over due. I pulled up my XXXX XXXX XXXX   account # XXXX and it show it was paid on XX/XX/2020 and it was deducted from my Checking account. Since then I have talked to XXXX XXXX and Dovenmuehle More than 20 times and we even have done 3 way conference call. 5 months later neither bank knows where my {$750.00} went to and they both blame each other and neither we do any thing about getting my money back to me. I had to pay another payment to stay up to date on my payments. I have excellent credit and it almost got put in default because of this. I made a one digit mistake on the loan number and for that I am out {$750.00}. I no that they have to have safeguards that protect this type of thing from happening. I have spent nearly 40 hours of my time on this over a 5 month period and have gotten nowhere. I can not believe that two major banks could let this happen and do nothing about it.I am sick to my stomach over this and I am ready to do every thing I can to under the law to get my money back I make $ XXXX a year and I can not afford this. How does {$750.00} just disappear like its floating around in the air. or some one seen the mistake and stole my money. I have proof of payment and deduction and any thing else you may need. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX SC, XXXX XXXX Dovenmuehle Mortgage XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX Loan Acct. # XXXX XXXX XXXX XXXX Checking Acct #  XXXX

Company response to consumer: Closed with explanation