BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-19
Company: Ditech Financial LLC
State: MO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Please see the attached detail complaint. My personal info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX-XXXX-XXXX Phone XXXX-XXXX-XXXX Fax XXXX I have been trying to contact XXXX and now ditech financial concerning my Deed of Release. XXXX is the servicing agent listed on XXXX, however they said they sold the debt to ditech. Ref # XXXX-XXXX. 

I need to clear this matter up ASAP Ditech financial is " Clouding my Title '' without proving evidence that I owe a debt. To my knowledge I never took out a second mortgage. 
This is very alarming ... 
Please advise.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Bread Financial Holdings, Inc.
State: AZ
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. The inquiries, which appears on my credit report from XXXX XXXXXXXX XXXX dated 1XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXX dated XX/XX/XXXX does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-18
Company: H. Kent Hollins, Attorney at Law, P.A
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/XXXX first filed for collection XX/XX/XXXX judgement awarded XX/XX/XXXX order to appear XX/XX/XXXX hearing scheduled Debt collection company trying to sue for debt older than statue of limitations in the state of Kansas.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Its not fair that I became a victim of identity theft and I have fake inquiries and accounts that destroying my score. I can not proceed in my financial planning like at all. Look this is not fair situation and I want to get rid of these items. Please delete them from my credit report. I do not deserve to suffer like 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 2018-04-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
As an American citizen, tax payer, voter, customer, consumer, active participant of the community, and one who served our country in the military through the United States Coast Guard, it is deeply concerning to me, when large national banks which receive significant forms of government support and benefits, use their market power to manage social policy by withholding access to credit to customers and companies they disfavor. I am referring to us members of the XXXX XXXX XXXX ( XXXX ),  and us law abiding citizens who strongly believe in the Second Amendment of the US Constitution, ... the right of the people to keep and bear Arms, shall not be infringed.. Who are the banks to make public policy and knowingly target our rights? That is not their role, and is a form of discrimination and intimidation. Please act swiftly and decisively against such banks, ( Citibank being one of them ), to make them accountable and align themselves with the US Constitution. Thanks so much.

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 2019-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 called TransUnion credit bureau today, Friday, XX/XX/XXXX, regarding an incorrect, wrong status on my paid in full vehicle loan through XXXX XXXX XXXX XXXX. 

The TransUnion representative and/or employee stated to me that his computer screen shows two late payments reported to them in by XXXX XXXX XXXX XXXX. 

I have attached my XXXX TransUnion personal credit report and there is no negative reporting by XXXX XXXX XXXX XXXX. 

I do not understand why this negative reporting has just hit my credit report and there does not seem to be any fair resolution to this issue. 

I am asking for a full investigation into TransUnion credit bureau as to their policies and procedures for reporting negative information.

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 2019-04-19
Company: AFNI INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I pulled my credit report and saw that I have an account on my credit file from AFNI account number is # XXXX with the amount of {$160.00}. I asked this company to send me VALIDATION that this account belongs to me and they sent me VERIFY I didn't ask for. I would like for this account to be DELETED from my credit file for this debt doesn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
This complaint is in ref to initial complaint number XXXX. 

I was mis-lead until I noticed of a {$95.00} membership fee. This was not mentioned during the phone application for a Chase Bank Business Credit Card. When I complaint to the company, I was told to close the account and re-apply for a different card and Chase will pull my credit report again. Why? They were unwilling to transfer over to a non-fee credit card. 

I am a small XXXX Veteran XXXX  trying to survive during this crisis. Don't have time for this sort of non-sense from a co that I have spent over 22 years of military service defending.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: ENCORE CAPITAL GROUP 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 was notified by XXXX that Midland Credit MGMT INC pulled a HARD inquiry of my credit report on XX/XX/2019. ( Report Number : XXXX Date Generated : XX/XX/2019 ). I have not applied for credit anywhere or have any business with Midland Credit MGMT INC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I had money wire transfered and the company will not return my money ( {$1000.00} ). they go through a process that should be criminal, like they have to verify that you are you. I transfered the money from my credit union so I have proof the money was sent, and are in this companys ' possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: EQUIFAX, INC.
State: PA
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:
Greetings I am disputing with EQUIFAX the following Unauthorized / Unknown accounts that showed up on my credit report on XX/XX/XXXX. I have filed two complaints with the FTC in regards to this matter. FTC Complaint Reference number is # XXXX and XXXX. I am a previous victim of identity theft back in XXXX and already have an extended fraud alert placed on my EQUIFAX Credit report so there should be no excuse as to why these Unauthorized accounts unknowingly hit my report without my consent of proving the accounts belong to me. These accounts reporting to my credit report go violated the Fair Credit Reporting Act and Equifax is not following FCRA reporting practices. This issue has been affecting my ability to hold a job and get approved for a home mortgage. I have also reached out to both the creditors and have attached a filed Identify Theft Police Report, My Two Filed FTC complaints and a copy of my XXXX  and XXXX XXXX credit report reflecting that the following two accounts do not belong in any of my personal reports. I would really appreciate getting this resolved in a timely fashion or I will be forced to escalate this issue even further to the state attorney generals office and Senate level. Below are the reporting Unauthorized Fraudulent accounts that should be Removed / Deleted from my EQUIFAX credit report. Should you need any additional information please let me know. 

1 ) Reporting Unauthorized Account : XXXX Unknown Account # : XXXX Unknown Date Opened : XX/XX/XXXX Unknown Terms : XXXX XXXX Unknown Account Status : Open Unknown Payment Status : Late Unknown Balance : {$2800.00} 2 ) Reporting Unauthorized Account : XXXX Unknown Account # : XXXX Unknown Date Opened : XX/XX/XXXX Unknown Terms : XXXX   XXXX Unknown Account Status : Open Unknown Payment Status : Paid Unknown Balance : {$6300.00} EQUIFAX Attn : IDENTITY THEFT DEPARTMENT XXXX XXXX XXXX, XXXX GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a mortgage company ( XXXX XXXX ) that we have been making payments to. They have made several mistakes and misreported late payments to the credit bureaus ... 11 total. I've asked the bureaus to process my request and update my mortgage to paid as agreed and remove these remarks ... nothing has happened and this is killing me. Attached is a document that XXXX XXXX sent us after we threatened to sue them agreeing to remove the late payments. Please help us

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 2021-05-06
Company: FIRST PORTFOLIO SERVICING INC
State: WA
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 Im working with lextion law credit repair people and yesterday the XXXX  XXXX XXXX just showed up on my account says I owe them {$390.00} Im still waiting to hear back from this bank I never gotten anything in the mail from them saying I owe them money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRES : XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX/XXXX : 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 2020-12-17
Company: Sequoia Financial Services
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020, SEQUOIA FINANCIAL SERVIC add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA and HIPPA SEQUOIA FINANCIAL SERVIC has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: AES/PHEAA
State: PA
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:
There were a total of three letter asking verification for a presumption of 60 day late on my account. They were delivered XX/XX/2019, XX/XX/2019 and XX/XX/2019 respectively. I haven't receive any verification from AES that my account is being properly reported to the credit report. They have failed three times to provide me that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: SUNTRUST BANKS, INC.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
We ( XXXX XXXX XXXX XXXX, PA ) emailed our customer in XXXX ( XXXX XXXX XXXX ) an invoice for professional services rendered. The customer responded to the email asking if we would accept a wire transfer for fees invoiced. We responded and said we would and never received any request for the wire information. Later we discovered that the email was hacked and the hacker sent an email to the customer with account information that was not ours but very similar. The customer wired the money from their bank ( XXXX XXXX XXXX ) to the account listed in the hacked email. The bank ( Sun Trust Bank ) that received the wire stated that the account that received it is now closed. The funds did not go to the intended recipient.

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 2021-04-09
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 i wrote to XXXX XXXX and XXXX  and told them that i had clearly had been a victim of Identity theft and that someone had stolen my wallet and used my Drivers license and social security number and applied at Best buy/XXXX with account number XXXX and XXXX XXXX Macys  account number XXXX which i had never applied for. i submitted a Federal trade commission complaint and nothing was ever blocked accourding to the fair credit reporting act XXXX XXXX Under sections 605B. The law states that they were suppose to block the fraudulent accounts in XXXX business day. They told me that they had forward my complaint to Macys  and Best buy but nothing was ever done.

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 2018-02-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have had this loan since I purchase my home in XX/XX/XXXX. In order to pay this mortgage off faster I have been paying it weekly of the monthly amount divided by 4 plus additional amount towards principal ). Whenever the amounts of the weekly payment reaches the monthly amount due, the remainder in that month 's time is supposed to go immediately towards principal. Instead, in early XX/XX/XXXX the extra amounts had been sitting in suspense and not until I called them a dozen times did they start moving them over to pay down the principal. Not once did I get an apology OR any kind of retribution or reimbursement of interest. Finally it was corrected. Last month I called and increased the amount I would pay towards principal and all of a sudden the same exact thing is happening - the extra amount is sitting in suspense. I called them on XX/XX/XXXX and had to escalate 3 times until I spoke to a manager who promised to resolve this. IT STILL HAS NOT BEEN CORRECTED. What do I need to do to fix this? 
FYI : These are the following people that I have spoken to from the onset of this problem. 
XX/XX/XXXX XXXX XXXX, supervisor XX/XX/XXXX XXXX XXXX, supervisor XX/XX/XXXX XXXX XXXX, supervisor XX/XX/XXXX XXXX XXXX, supervisor XX/XX/XXXX XXXX XXXX, manager XX/XX/XXXX XXXX, customer service rep XX/XX/XXXXXXXX XXXX , Supervisor XX/XX/XXXX XXXX XXXX , manager XX/XX/XXXX XXXX XXXX , manager XX/XX/XXXX XXXX XXXX , manager

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 2021-11-28
Company: EQUIFAX, INC.
State: PA
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:
Equifax closed this dispute prematurely. In Equifax 's report, they stated they were waiting for the company ( XXXX ) to provide their findings which they have not. This complaint/dispute needs to be re-opened until XXXX provides a satisfactory response to me. 

On the week of XX/XX/2021, I received a letter from Equifax stating they were unable to locate a credit file in their database with the identification information I provided. Equifax went on to state, in order for them to assist me they'd need me to send proof of I.D and my current address. The problem is Equifax has been reporting and updating my personal information without my consent, approval, or furnishing my personal information to them for years without me confirming any of it was true. Why now do I have to prove who I am and why wasn't these precautionary measures taken when a fraudulent account was opened in my name? Had Equifax and the other bureau checked with me first to confirm that I opened this account, we wouldn't have this problem now!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Eastern Revenue, Inc.
State: NJ
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:
This account was suppose to be removed from my credit report due to inaccurate information and I 'm also taking care of it directly with XXXX XXXX College. The account was removed from my XXXX report but not my XXXX. It is now XXXX XXXX,2017 it 's been over 60 days since I filed this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
We called our mortgage loan holder Rushmore Loan Management on XX/XX/2020 to request a 6 month forbearance of our USDA Guaranteed single family mortgage loan as delineated by the CARES Act. We were told to call back on XX/XX/2020 to make the request. 

We called back on that date and were told that they would only grant us 3 months forbearance and that at the end of the 3 months we would be required to repay the total amount due. We explained to them that they were in violation of the CARES act which gave us 6 months forbearance and which allowed us to add the amount due to the end of our loan. They were supposed transfer us to another person but since no one was available this person ended the call by saying that they had already initiated the 3 month forbearance as requested. 

On XX/XX/2020 we got a packet from Rushmore asking for our signature on the 3 month forbearance and stating that they would be reporting us to the credit bureaus as a credit risk. 

On XX/XX/2020 I called Rushmore once more and again explained to them that they were in violation of the CARES act by requiring signatures, reporting us to the Credit Bureaus, and only extending 3 months of forbearance when we were clearly guaranteed 6 months. This person placed me on hold, consulted another person, then agreed that we were correct, that Rushmore was 'sensitive ' to its customers during this time of crisis and that they would honor the 6 months forbearance-however, because of the limitations of their system, we would have to call back on XX/XX/2020 in order to request the remaining 3 months forbearance. This person indicated they would not be reporting us or any of their customers with federally backed loans to the Credit Bureaus. 

Because of their behavior thus far I don't believe them and want to complain that they are in violation of the CARES act for clearly disregarding the provisions of the law regarding forbearance of federally backed home loans. 

Also, I firmly believe that if they are treating us this way that they are using these same tactics to harass other customers who are clearly protected under the CARES act but who are not aware that this protection exists.

Company response to consumer: Closed with explanation