BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-24
Company: Bread Financial Holdings, Inc.
State: SC
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 sent several letters requesting validation and verification of this debt that is showing on my credit report with Victoria Secret. I only get a response letter stating hen the account was opened and my name. I demand to see a contact or something with my signature or this needs to be removed from my credit report immediately. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: MoneyLion 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:
A fraudulent account was opened on XX/XX/XXXX and debited from my checking account on XX/XX/XXXX. This was the date I became aware of the account. I contacted XXXX and was told they couldn't find my account. I went into my bank on XX/XX/XXXX and cancelled my checking account by having it switched to a new account and account number. The transaction was an ACH debit. 

I filed the FTC identity theft report online and mailed it and additional info to Moneylion at the New York, New York address as well as the XXXX Utah address listed under disputes. I also contacted the three major bureaus by phone, online and by mail with corresponding information. 

I didn't have any progress so I filed a XXXX  report around XX/XX/XXXX. 

I've also worked with my XXXX XXXX XXXX / XXXX  team to correct this problem. My credit dispute came back as the account stays on. 

My credit score has suffered and I am in the process of procuring a loan. The fraudulent Moneylion account is hurting me because it shows up as a new account and raises my credit utilization. 

I've provided all the necessary info to the lender requested on the fraudulent account and it has not been removed. 

They made it easy to open a fake account but difficult for me to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: Experian Information Solutions 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:
THESE ACCOUNTS ARE STILL REPORTING INACCURATELY ON MY CREDIT REPORT WHICH IS A FCRA VIOLATION. PLEASE CONDUCT PROPER INVESTIGATION AND REMOVE THESE INACCURATE ACCOUNTS IMMEDIATELY. THANK YOU I HAVE ALSO SENT IN PROOF TO SUPPORT MY CLAIM AND HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS.

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 2022-08-11
Company: United Shore Financial Services, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Back in XXXX, UWM erroneously and without warning began charging me double in mortgage payments. Turns out they inappropriately assessed my taxes. I had to file an email complaint with them to get it fixed but they did not fix it at first. I had to make several calls to get them to fix the tax assessment. That error stopped the auto payment. When I got put back on auto pay there system would randomly stop auto deduction every month causing a delay in payment. Rather than fix the problem, they charged me late fees. I called them yesterday and told them about it and they said they figured it out and it and fixed it but I don't believe them. They also told me that they could not reverse the late charge. 
They also have my mailing address incorrect. It's missing the unit number.. I want them to reverse the charge because of their errors in their website and their administration my account was charged late fees. I want them reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
XXXX XXXX got a small loan with Regions Bank. They are trying to make it look like a credit card. These people are crazy. Since when did they give credit limits on a personal loan? Payments are being made but they are not acknowledging the payments being made the balance is not being updated either. The balance is remaining the same.

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 2020-05-09
Company: WELLS FARGO & COMPANY
State: MA
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 saw my recent credit report that I have late payments on my history with this account which I think I am not late at all. 
WELLS FARGO DEALER SVC XX/XX/2018

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 2019-04-23
Company: 21ST MORTGAGE CORP.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage has been in default due to the company not being willing to work with me reasonable payment arrangements. 

They have employed debt collection practices to bully me into making the payments on time, even though I have asked for arrangements due to extenuating circumstances like loss of job and family member. 

For the last month I have received three calls a day, every day because I am three weeks past due. When I do speak with a representative, supervisors, and managers they are very condescending and verbally abusive. They have asked that I pawn, ask my family and friends for money and even go to non-profits to ask for money even if I am not a part of the organization. The latter is a very troublesome suggestion as there are more people worse than I am financially that should be receiving that help. 

Additionally, they let me know that there were late charges that had incurred, but was not notified of these until now and now have accrued and added to the total balance of my loan. 

21st Mortgage from XXXX, TN should be more understanding of their customers and willing to accommodate for extenuating circumstances. 

An option is available to make biweekly payments, but hard to meet qualifications are set up, therefore not allowing all to benefit from this option. 

Unfortunately at the time this was my only option for a mortgage company as it seems this may be the case for many. If I would be able to choose again, this would not be the mortgage company of my choosing or any one else with self respect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: EQUIFAX, INC.
State: FL
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:
Please remove the following unauthorized inquiries from my Equifax credit report : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In early XXXX, I noticed I was unable to access account information on XXXX XXXX. There was no advance notification. Upon contacting customer service, I was told the loan was being transferred, and no further information is available, and no payments could be made. 

Now, I finally received notification of the loan transfer to Heartland. I then had to signup with Heartland for loan repayments. However, nowhere in the process did it mention the XXXX payment. It was totally unclear whether payments were for future installments, the past installment, or a combination thereof. I had to discuss with a representative, who had no idea if an XXXX payment was made, who then manually changed my XXXX payment to also cover the XXXX payment. There was no communication regarding the XXXX payment, or whether the new payments would cover the XXXX installment until I had to discuss and explain to them the loan change. This should not be the case. The loan company should be the one explaining how the loans are being bought and sold, not me explaining to the loan company how they are doing their business. Of course, the notice also mentions that late fees are waived for 60 days from the changeover, but during half that time I was unable to even access the account! If I had not been so careful in reading the documents and comparing financial payments to the 2 different servicers, I have no doubt that 60 days would have passed before any missing payments would have been noticed, and at that time, per their policy I would have been charged a late fee. However, there seems to be no repercussions for Heartland failing to keep their own records up to date, as I was told sometimes things are " delayed. '' I spent a significant amount of time with the CSR trying to understand why these delays are occurring and why there is a discrepancy between 60 days and 90 days, which is what they were quoting on the phone and in chats. At some point they told me, and then confirmed, that XXXX considers XXXX to be 60 days from XXXX for purposes of the transition, because of the missing XXXX payment which they were heretofore unaware of!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: Experian Information Solutions 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 have reached out to Experian respectfully requesting XXXX deletion of the invalid item. After this not being done I second requested validation of the item and third how they " verified as that stated without any validation. I keep getting the same generic response. There are using their computer system to spit out responses instead of properly investigating and removing this erroneous item from my report. XXXX  processed a proper investigation and promptly removed the account from the report. I am requesting the above mentioned do the same. Neither can provide any information, signed documents, contacts, or judgment for this collection in question but have not removed this erroneous item from my account which is causing harm to me and my family. I have reached out to them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX which each of these requests have taken well over the 30-day window for responses as well from the amount of collection is {$4600.00}. The account number is shown in the attachments. Steps I have taken are shown in the attachments, please review!

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 2021-05-08
Company: CORELOGIC 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: Information belongs to someone else

Complaint:
not mine : fcra violatons XXXX XXXX XXXX - Closed 7 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$20000.00} XXXX XXXX XXXX XXXX {$1800.00} Balance updated XX/XX/XXXX 2 late payments Account Info Hover over labels for more details Account number XXXX Account status Open Date opened Indicates the date an account was opened XX/XX/XXXX Account type Lease Paid Off : 4 % Balance on XX/XX/XXXX Loan Amount {$1800.00} {$1900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: EQUIFAX, 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:
On XX/XX/2018 I started receiving notices that my credit was being checked by XXXX XXXX car lot. On that day I was at work and did not authorize anyone to run my credit nor am I in the market to purchase a new vehicle. I attempted to contact the manager at the XXXX XXXX car lot and he hung up on the phone on me and after repeated calls, I was left on hold for no one to return to the phone. Ive attempted to reach out to the banks and I was told to submit a letter to the credit companies which Ive done. After calls and letters each company keeps referring me back to the other and ultimately Im getting no where. I even ask them to update my employer because on the same day XX/XX/XXXX, XXXX XXXX was added as my employer and Ive never worked for XXXX. All other inquiries are mine eco the one from XX/XX/XXXX. Ive added the fraud alert to my report but Im not having any luck getting the unauthorized inquiries removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: LEXISNEXIS
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Lexis Nexis is a third party vendor who is reporting inaccurate information to credit bureau I demand that you stop reporting inaccurate information on my credit report you have 30 days if this issue is not resolved I am going to file small claims case because this company is in violation of the FCRA. I have contacted the courts and I have a signed document Im not going to provide until it is time to go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: EQUIFAX, INC.
State: TN
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 problem is with equifax, this started early spring of XX/XX/XXXX. They report things on my credit that are seriously wrong, and they refuse to fix or show me proof under the federal guidelines of how they are saying this is correct on my report. 
For example they show a XXXX XXXX that was made in XX/XX/XXXX, it was not with this company it was with XXXX which is out of Buisness for at least 7 years. They tell me I have to call the companys reporting this, also wrong addresses that I have never lived in those citys, and my full name is wrong as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I mailed Experian a dispute on XX/XX/2021 for reporting inaccurate information. I was not been notified of investigation status or results.

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 2019-11-14
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX an inquiry was done from XXXX  XXXX , no address listed in XXXX XXXX , NJ XXXX. I do not have a motgage currently, nor have I applied for any type of mortgage loan with ANY company. I believe my information has been compromised, as this is not from me! 

XX/XX/2019 and XX/XX/2019 an inquiry was made from the same company XXXX XXXX XXXX with no address listed in XXXX, MD XXXX. I have no such knowledge of this inquiry or company. I reached out to this company to obtain information on who they were and how were they able to use my information for a credit inquiry two times, with no valid response. I believe these inquiries are a result of my personal information being compromised as this is not from 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 non-monetary relief
Consumer complaint received 2021-09-12
Company: Flagstar Bank, N.A.
State: NY
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 it may concern, I would like to use this medium to report the deficiency from Flagstar bank and the damage they have caused my credit report. 
I paid off my mortgage on my property on XX/XX/21 after request for the payoff. The pay off was sent to me in the amount of {$150000.00} And we even added additional per diem and wired {$150000.00} However the pay off department from Flagstar bank did not process the fund and they even returned the money on XX/XX/21. that is 22 days after i had paid off the loan. 
Now due to their incompetence, they have reported a missed payment on my credit report, this has caused me to lose a deal. I have called them several times, but to no avail. because none of them has a clue of what they are doing.

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 2021-05-08
Company: Experian Information Solutions 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 have informed all companies that I did not authorize any inquiries as well as disputed all unauthorized accounts. I was told they came back verified but when i ask how was it verified I was told I could not know that information. Even after I asked for copies they used to verify it knowing I was a victim of fraud

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 2018-05-01
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
When I opened up my PNC business checking account I was enrolled in the following promotion : Earn {$300.00} with a business checking plus account when you complete the following requirements : Maintain the minimum average cycle balance of {$5000.00} for each of the first 3 statement cycles Make at least 10 total qualifying PNC Bank Visa Debit Card transactions and/or PNC Bank Mobile Check Deposits [ 3 ] within the first three statement cycles ============================================================== However I have not received the {$300.00} after 4 statement cycles. Upon inquiry, PNC rep stated because the first month ( in which I opened the account ) I did not have {$5000.00}, I did not qualify. It is unreasonable to assume that customer would have the {$5000.00} balance when the first statement closes right after opening and I have to set up direct deposit and ACH.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
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:
This is the 3rd time I have filed a complaint and I never got a response back over inaccurate account appearing on my credit file. 
The following accounts are not mine I have never had an account with these companies : XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX   XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,

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