BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-12
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:
I have sent Experian many disputes and have included MY DRIVER LICENSE and copy of MY SOCIAL SECURITY CARD several times to validate my identity. Yet Experian is saying that It is not me who is disputing these accounts affecting my credit. Do they need a DNA test to proof its me? In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. If the information requested can not be verified, remove this accounts from my report immediately.

1- XXXX XXXX  XXXX XXXX XXXX Reported XX/XX/XXXX 2- XXXX XXXX - Reported XX/XX/XXXX 3- XXXX XXXX XXXX  XXXX Reported XX/XX/XXXX 4- XXXX XXXX  XXXX - Reported XX/XX/XXXX 5- XXXX XXXX - Reported XX/XX/XXXX XXXX- US Dept of Edu - Reported XX/XX/XXXX 7- XXXX/XXXX- Reported XX/XX/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 2020-10-09
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Best buy citi card pre selected the option " box '' to opt us into paperless statements. Thus we had not received a paper statement and did not realize we had an outstanding balance which were not contacted about for almost 4 months. This has ruined our credit history and I believe it was deceitful on behalf of citi card to pre select this option thus affecting consumers who rely on paper statements to manage their payments.

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 2017-06-22
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a formal consumer to busines s ( s ) co mplaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since  XXXX   2017  with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from  XXXX ,  XXXX , and Experian with no success. They have refused to update information. Accounts to be removed :    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 non-monetary relief
Consumer complaint received 2018-10-25
Company: Cascade Capital, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have an account that was reported to my XXXX credit report by XXXX XXXX XXXX in the amount of {$450.00} this account is owned by a debt buying company called cascade capital. It was originally reported by a company called XXXX XXXX XXXX XXXX in the amount of {$310.00} after I sent a debt validation letter to XXXX XXXX XXXX XXXX it was sent back to Cascade capital and was re assigned to XXXX XXXX XXXX and reported to XXXX. I contacted XXXX XXXX XXXX today XX/XX/XXXX about this alleged debt and spoke to a lady named XXXX XXXX who tried to offer me a pay for delete for this alleged debt I informed her that I have been a victim of identity theft and trying to verify these debts on my credit report once she realized was not interested in paying this debt she became rude saying I don't care what you do ill note your account as a refusal to pay and blew me off after she realized I had no intention of paying. This account is was past the statue of limitations in the State of Texas and I just wanted info I do not think it is right for whenever you try to validate a debt instead of doing so the debt is moved around.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 has refused to remove XXXX XXXX XXXX from my credit file. The card was included in my Bankruptcy and although I have disputed it with the company it still remains on my credit report. 

XXXX as refused to remove a XXXX XXXX Credit Card from my credit file. I have disputed the card with the credit bureau, however they refuse to remove it. I filed for bankruptcy in XXXX and the account was showing opened in XXXX. The card was also not in my name, I was an authorized user so I did not incur the debt.

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 2021-10-13
Company: National Credit Adjusters, LLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: MIB Group, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX DOB XXXX SS XXXX I would like to order a Full and Complete Copy of my XXXX XXXX, XXXX analyst Full report, and a full copy of my MIB report. I am having issues with unknown addresses and information that keeps reappearing on my file or incorrect information the is reoccurring that is reporting from various/different databases. I would like an up-to-date copy for my own personal review. This will allow me the opportunity to address any errors and make the needed adjustments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The mortgage holder appointed me as his Attorney in Fact in writing. This gave me the authority to act on his behalf as if I was him. They mortgagee, Select Portfolio Servicing ( SPS ), Bought a forced placed insurance policy on the house from XXXX XXXX XXXX XXXX ( XXXX ) and charged the cost of the premiums to the mortgage holder. On XXXX a fire occurred and a claim was filed by XXXX XXXX XXXX ( XXXX ), a third party vendor that SPS hired to process the insurance claim. SPS required me to submit a copy of a signed contract with a licensed contractor and other supporting documents prior to authorizing us to commence the repair work and releasing a portion of the claim funds. SPS inspected our progress through a third party vendor throughout the stages of progression ( ie 25 %, 50 %, etc ). On XXXX we paid the mortgage off in full. We had a pending supplemental claims payment in the approximate amount of {$32000.00} that insurer would pay for additional work that was not included on the original estimate. On XXXX the insurer sent the final payments to XXXX. XXXX forwarded the checks to SPS via XXXX on XXXX. SPS has no record of receiving the checks. SPS refuses to ask the insurer to reissue the checks. SPS thinks that XXXX will help me based on the fact that I can present the paid in full letter that SPS gave to me when we paid the loan off. XXXX will not accept the paid in full. They insist upon receiving a letter or memo from SPS authorizing them to deal directly with us. SPS refuses to issue such a letter or memo.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
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: Their investigation did not fix an error on your report

Complaint:
I DO NOT UNDERSTAND?? I DID NOT REQUEST A BLOCK. I REQUESTED THE XXXX LICENSE AND WRITTEN SIGNATURE PROVIDED TO OPEN THIS ACCOUNT FROM THE CREDITOR XXXX. Equifax has been notified this is Not my account previouly NEVER FIXING PROBLEM. I Requested Written Documentaion to CONFIRM & VERIFY MY IDENINITY AUTHORIZING OPENING. See attatched XX/XX/2020 Equifax Notice CONFIRMING JUST NOW BEGINNING AN INVESTIGATION. Equifax has done this at least 3 times on the CFPB WEB previouly. see all other complaints. I DID NOT OPEN THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
My mortgage was sold from XXXX to XXXX XXXX ( XXXX ) on XXXX XX/XX/XXXX and XXXX XXXX failed to honor the original terms of the mortgage. When my loan was with XXXX, it was covered with SCRA credit reporting suppression ; however, XXXX XXXX failed to honor this coverage and disregarded my original coverage. I am XXXX XXXX XXXX XXXX and XXXX XXXX ( moved from XXXX to XXXX ) and during the COVID they still reported late payments to the credit bureaus, even though i notified them in XX/XX/XXXX that i was selling the home and asked for the COVID forbearance. However, the main issue is that my mortgage was protected from credit bureau reporting per my XXXX SCRA assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: SN SERVICING CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Since XX/XX/2019 our Realtor has been trying to get SN Servicing to consider a short sale. They have been extremely uncooperative and unwilling to come to any resolution. We currently owe more on the mortgage than the property is worth but I'm told that they still want a full payoff. This doesn't make any sense. The house is in deplorable condition and falling apart. My realtor even payed for a BPO and sent it to SN Servicing with no results. We desperately want to get this resolved. SN Servicing has not stated why " the investor '' ( their client ) is unwilling to consider a short sale. We have a ready, willing, and able buyer to purchase the property. We think SN Servicing just wants to foreclose because they're not giving any reasons for not cooperating. 

The following attachments are included : 1. Email correspondence between our realtor and the mortgage servicer 2. BPO ( Broker 's Price Opinion ) 3. Photos of the property

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Experian Information Solutions Inc.
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:
On XX/XX/2021 I spoke with an employee with XXXX XXXX XXXX. about account # XXXX for the amount of {$3300.00}. I informed them that the debt did not belong too me and that I was a victim of Identity theft and this account is fraudulent. I asked the employee for verification of all original documents with my signature to be sent too me by mail and email and I never received the documents from them by mail nor email. They refused to delete the debt unless the amount of {$3300.00} was paid plus an additional {$1000.00}. The address tied to this account is located in a complete different city and state then the actual apartments that is listed with this debt. The landlord I did business with at the time the debt took place may be contacted to provide any information that's needed.

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 2021-10-13
Company: U.S. BANCORP
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/21 I contacted Cardmember Services to close my secured credit card account. I was told I would have a check. in 7-10 days. On XX/XX/21 I received a letter from them stating they will not close the account until XX/XX/21. I contacted them today and said it is policy to wait 30-60 days until they process the request. So now I have an account I can not use and {$310.00} tied up for these 30-60 days. It seems unjust that they take money immediately and assess fees and fines immediately but sit on refunds and return of funds for this length of time. 

The card was issued through XXXX XXXX  but they disavow any association with the card who is handled by Cardmember Service out of XXXX, ND. They direct all correspondence to Elan Credit Department, XXXXXXXX XXXX XXXXXXXX, XXXX, ND - XXXX with a phone number 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 monetary relief
Consumer complaint received 2020-06-23
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/20 I send {$1000.00} to XXXX and my family member couldnt get it out because she has the wrong XXXX and couldnt find it.. and later they said that the money is here but we are having problems getting it out And it wont let us.. come back tomorrow ... she went again next day and still couldnt get it out.Then when I went to the place where I send it they told me that the money is no longer there ... that someone got the money out ... and it wasnt my family member ... They told me to contact costumer service

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: WELLS FARGO & COMPANY
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Wells Fargo repeatedly charges my account with false monthly service fee charges for the amount of {$14.00}. Wells Fargo lied about how many times I used my card the month of XX/XX/2019 in their response to the CFPB! I want to know why they are repeatedly charging my account for {$14.00} dollars even though I met the monthly requirements in order to not get charged. Why is Wells Fargo allowed to lie and falsify documents in their CFPB response. They are stealing out of my account and sending in lies in their response like I'm the one lying!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: EQUIFAX, INC.
State: SC
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 contacted XXXX, Equfax and XXXX  about a home loan that is reporting 30 days late on my report. I have sent in proof that the home sold in XX/XX/2017 which is the month XXXX is reporting it to be late. I have been going through this for well over a yr now. I spoke with them on today and I was told that XXXX stated that the information is true even though I submitted proof when the home sold and I was told anyone can create a document on their computer and they are not going to remove it. I was told that they are certified to tell the truth and I am not therefore they must believe what the company say.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Navient keeps calling and sending letters and bills but I have paperwork that shows my bill paid I had a loan through XXXX. I provided this info to the credit bureau and they removed it from one but not the others and they continue to call.

I sent them a certified letter requesting information as to why they feel I owe them and requested that they no longer call my phone but they never replied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Experian Information Solutions Inc.
State: PR
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:
To whom this may concern I have contacted XXXX XXXX XXXX XXXX Multiple times during the span of 3 months. They never advised of an increase of my mortgage loan from XXXX to XXXX $ never got a phone call, or letter. I found this information out when they reported the late payment to my credit bureaus account. I have these payments to be autopaid though the website & I do have extra payments on the account in which they kept telling me I don't have an extra payment. They admitted to fault opened an investigation and never did anything I called again and opened another investigation they said that they have been using those extra payments to cover for the amount needed to complete for the mortgage. 

I have never missed a payment & they are reporting my account late payment andnit has afected my ability to get a loan, new car & credit cards Today XX/XX/XXXX I spoke again to a different representative to try to get this resolved.

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 2019-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am a victim of identity theft and have been trying to get these unauthorized inquires off of my credit. I called, I have sent in letters and I have tried reaching out to the credit bureaus to have these unauthorized items removed.

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 2018-10-25
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
I called the Target Card Services department XXXX approximately 30 days ago in regards to getting a credit reporting issue resolved over the phone. I was told that they would work to resolve my issue and contact me by mail. This past week on XX/XX/XXXX at approximately XXXX ET, I called to see what the status of my issue was ; after reviewing my  account the customer service agent told me to send a letter to them explaining my request. After explaining to the rep that I had this conversation 30 days prior with an other agent and was told something completely different ; I asked him if he could see the notes on my account with that prior discussion. He told me " that there was no record of that conversation on the account ".

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: Ray Klein, Inc.
State: CO
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 company continues to list an amount not due constituting fraud furthermore the original debt was paid over a year ago to the original debtor XXXX XXXX XXXX and XXXX is not entitled to a collection fee since they did not collect the debt, this has already been removed from XXXX and XXXX at least once or twice but has continued to reappear furthermore the dates are also incorrect considering i opened this account in XXXX of 2013 and was closed as of one year ago last XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have submitted multiple disputes to this creditor asking for bank statements to show when they did not recieve my payments. I have never been late on my mortgage payment. It has always been paid on time. They have me being late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX. My account is auto draft and the funds were always available

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