BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-10
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: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on 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 2021-06-04
Company: AES/PHEAA
State: LA
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:
I entered a consumer credit transaction with FED LOAN SERV and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which is false Pursuant to federal law. They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that FED LOAN SERV claim I owe. FED LOAN SERV has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-15
Company: Ocwen Financial Corporation
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: Account status incorrect

Complaint:
I have a balloon mortgage with Ocwen Loan Servicing that matured on XXXX/XXXX/XXXX. ( I have been working with a bank to refinance the mortgage. ) When I sent the XXXX monthly payment to the Ocwen that has the existing balloon mortgage it was refused/returned. I e-mailed the the Ocwen representative to find out why I could not continue payments while I was seeking new financing to pay their balance. They responded that after the loan matured they will only accept the full balance due of {$91000.00}. In XXXX they reported to the credit bureau that I am 60 days delinquent on payments. That report reduced my credit score from XXXX to XXXX.  Becouse of this report I was not able to finalize the refinance with XXXX XXXX. 
I believe this is unfair. I tried to make payments to keep in good standing while I was seeking refinancing.

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 2020-04-29
Company: EQUIFAX, 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 was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

COLLECTIONS XXXX {$2600.00} XXXX XXXX XXXX {$700.00} XXXX XXXX {$4500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: EQUIFAX, INC.
State: NY
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: REPORTS, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was called multiple times by a company that would not identify themselves over the phone. They have the same script every time they call me.

The call starts out with " Am i speaking with so and so? '' I ask, " Who's Calling? '' They reply " We are trying to reach so and so about a personal business matter '' I ask again " Who are you and why are you trying to reach so and so '' they reply " We need you to verify your date of birth about a personal business matter '' I reply " I'm not giving out my personal information to someone who won't identify themselves. 
What is this call about? '' They reply " We can not tell you until you verify your date of birth '' Then I hang up. 

The calls went on like this several times over a period of a couple months. I finally looked them up and found out it was a company called Reports Inc. in XXXX TN. 
They have almost a dozen reviews of other people stating the same experience. 

I ignored them, because they have no right to my personal information if they refuse to say that they're calling about a medical debt. 

I was served a summons to court by a process server, regarding this debt. I called the debt collector to settle my medical debt and they added over {$180.00} to the original debt to cover their legal fees. When I told them I wasn't paying their self incurred legal fees, they said " we don't have an agreement then ''. 

I attached are screenshots of their XXXX reviews showing this is their way of operating and not an isolated incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been attempting to resolve an issue since XXXX with Lowes Credit Services managed by Syncrony Bank. Lowes Credit Services auto pay system erroneously double drafted my account on XXXX which prompted my bank to flag the payment and decline it. I submitted an inquiry to Lowes and made multiple phone calls immediately after receiving notification of the issue beginning on XXXX. I also, in good faith, submitted payment manually to Lowes while Lowes worked through the issue. I submitted a follow up response as my request to correct the issue was denied and my account was closed immediately without warning. After learning that Lowes closed my account and did not provide a plausible explanation, I submitted a follow up response on XXXX and provided multiple documents to provide evidence of my claim which included a letter from my banking institution. After supplying the evidence, On XXXX I received communication from Lowes that stated I would receive a response within 60 days. On XX/XX/19, I learned that my credit score dropped due to the negative reporting from Lowes. On XX/XX/19, I escalated the matter with Lowes and was advised by Lowes that I would receive a response within 7-14 days. To date, I have not received a response, my account remains closed and my credit report has not been corrected. I would employ the CFPB to investigate Lowes for unfair credit practices. Very much appreciate the assistance.

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 2017-12-15
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On the XXXX of XXXX, Barclay Loan received a cashiers check from XXXX XXXX XXXX in the amount of {$18000.00} to pay off the Barclay Loan. We did this to get a much lower interest rate which created a savings of {$7000.00} for us. 

Barclays cashed the check on the XXXX of XXXX XXXX. We went the check by XXXX and have the tracking number where Barclays received it. I have a copy of the check that was sent and the back and front of the cashed check. Barclays is claiming the can not locate the check, and therefore can not clear my account. They are also sending me late notices on payments. They know they have the check but refuse to credit my account until they can locate in their system. Since I have proven that they received and cashed it, I feel they should clear my account and do whatever they deem necessary on their end to located they 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 2018-05-11
Company: ERC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Enhanced Recovery has been calling my cell phone using a robocaller at least 37 times this week alone. They are using sleezy tactics in trying to harass me via phone calls. I've repeatedly asked them to add my phone number to their " Do Not Call '' list but the continue to call. They always ask for " XXXX '' who is someone I do not know. They have promised to not call my number in response to complaints I've previously filed here but continue to do so. They have called using the XXXX phone number and also local call spoofing. My phone number has been on the national " Do not call '' list for several years. 

This is the last time I file via this route. My next option is lawsuit and I've already contacted a lawyer. I've been logging all the calls/dates and will proceed if this does not immediately stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: PNC Bank N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Unable to link to XXXX for multiple months. Pnc is either inadequate or unwilling to make my money accessible via 3rd party platforms.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Experian Information Solutions 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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.

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 2020-07-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports.XXXX gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent  accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX CA XXXX My name is XXXX XXXX XXXX My phone number is 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 2019-08-20
Company: EQUIFAX, INC.
State: LA
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:
The following companies ran unauthorized credit report on me..  XXXX/XXXX, XXXX, XXXX, XXXX XXXX, XXXX .. I never authorized such inquiry..I have never given permission for them to inquire my credit status.. Please remove unauthorized inquiries on my credit report.. This is a violation of the Fair Credit Reporting Act Section 1681b(c) and a serious breach of my privacy rights

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter to Equifax requesting them to please validate both bankruptcy information with XXXX. I received a response dated XX/XX/18 in which they show that this information was validated with XXXX. 
This is a blatant lie as XXXX has removed these bankruptcies from their files due to not being able to validate it. 

This is considered defamation, Negligent Enhancement of Identity Fraud and a Violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-12
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Navient emails me to tell me to go login to their website. You can not reply to the email, and the website says ACCOUNT DISABLED. Click here to Contact Us. The Contact Us link goes to a Error - Page not Found on their website. If you do a XXXX search for Contact Us Navient, it sends you to a page on Navient that says LOG IN TO CONTACT US, you click that and attempt to login, it says ACCOUNT DISABLED. Do you see the endless LOOP here???????????????

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a 12 year client of Wells Fargo with a first and second mortgage with an impeccable payment record I applied online to refinance my first and second mortgage in XX/XX/XXXX. Wells Fargo sold their 1st mortgage to XXXX in XXXX and never provide a notice. In XX/XX/XXXX they sold the loan servicing to XXXX XXXX XXXX. Regrettably my loan showed up twice on my credit bureau reports since Wells Fargo did not delete their mortgage in a timely manner. I know this because XXXX XXXX pulled the same credit report and the score was XXXX two weeks before Wells Fargo. This negligence delayed the application and Wells Fargo has not addressed the issue. More importantly I moved forward because rates were dropping and I wanted to take advantage of the market. When the mortgage markets froze up due to the virus and Government shutdown of the economy Wells Fargo did not act in good faith. It became apparent to me that Wells Fargo is not a mortgage lender but simply a mortgage broker. When the ability to syndicate the refinancing was not available they delayed the process. There was no disclosure, multiple violations of regulations and Law. I just found out after multiple requests for information about my application they totally ignored my deferred compensation in their underwriting. This omission is either gross negligence and willful misconduct, dishonesty and negotiating in bad faith. It has become apparent that Wells Fargo has done little if anything to improve their reputation after their scandalous behavior and resulting material fines.

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 2019-10-10
Company: ERC
State: LA
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/2019, I exercised my right and questioned the validity of a debt that Enhanced Recovery is reporting negatively on my credit bureau. I have obtained proof that Enhanced Recovery received my request on XX/XX/2019 at XXXX XXXX. I have attached both copies in my complaint. Today is XX/XX/2019, and Enhanced Recovery has not responded to my request for proper verification for debt. Enhanced Recovery had 30 calendar days to respond, from the date of receipt, and because they have not sent any verification are currently in violation of the FCRA. Due to Enhanced Recovery being in violation of the law, I am not insisting that they remove the negative information that they are currently reporting on my credit bureau 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 2018-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My account balance is currently reporting to all 3 bureaus as over the credit limit. It is not. In fact I'm only using {$7.00} of the {$300.00} credit limit.

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 2019-08-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Benefit Claim Number: XXXX-XXXX On XX/XX/2019 I received a denial letter for lost luggage reimbursement claim # XXXX-XXXX. The denial reason for the claim states that the carrier was not notified immediately following the loss as required, under the lost luggage program.The Chase Credit Card Benefit Guide clearly states “Please note that failure to provide a claim notice within twenty (20) days will not invalidate or reduce any otherwise valid claim if notice is given as soon as is reasonably possible”.  This requirement was met as well. This claim was unreasonably denied in bad faith to avoid making payment for an eligible claim under the Chase Credit Card Benefits policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Reached out to Experian whose is reporting false and inaccurate information from collection agencies. Collection agencies are reporting open accounts with a past due amount. This information is inaccurate being I dont have any active open accounts with collection agencies. XXXX removed inaccurate 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 2023-05-19
Company: Experian Information Solutions 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
During late XX/XX/2023, I contacted CFPB about getting my credit report for Experian through XXXX. I received a credit report for XXXX XXXX based in NY. I am XXXX XXXX in NJ. 
This complaint was suggested by an employee of CFPB during a follow up call on 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 2020-12-23
Company: Early Warning Services, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I used XXXX XXXX  for a bit and closed the account 6 months later. On my EarlyWarning it said it was closed for cause. I'm not sure why. I went in the bank and closed the account myself and never owed the bank any money. I'm trying to open a XXXX account so I have easier access to my money in XXXX but I can't open one with this EarlyWarning report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX 


My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is 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