BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-18
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:
have ftc on file and police report account XXXX for XXXX $ from XXXX XXXX XXXX in this account was removed and should have been blocked all three credit buearu are reporting this account as a collection this was removed found unverifiable over 2 years ago havent recieved any letter saying this account was being reinstated please remove

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: BTH Management
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 have reached out multiple of times informing this company that i have not taken a loan out at anytime and also requested they send verification and method of verification and i have yet to receive any information with my signature confirming the consent

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 2019-08-05
Company: Experian Information Solutions Inc.
State: GA
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:
To whom ever this may concern : In XX/XX/2018 I disputed incorrect information being reported on my credit report by XXXX XXXX. I provided letters to XXXX, XXXX and Experian, requesting specific information pertaining to this account. After the investigations were completed by XXXX and XXXX, XXXX XXXX was recently deleted from these reporting agencies. I have made several attempts with Experian months prior too as well. Experian has not yet deleted this information or provided me with the specific information I've requested. I have attached a copy of the letter I provided to all the credit reporting agencies mentioned. I ask that you please look into this matter to have this item removed from my credit report. Thanks for taking the time to listen to my complaint.

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 2019-06-20
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: Public record information inaccurate

Complaint:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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 2017-10-31
Company: JPMORGAN CHASE & CO.
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:
This is a complaint against Chase Bank XXXX, XXXX. INQUIRIES DATE : XXXX XXXX AND ALSO XXXX XXXX. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-19
Company: TRANSUNION INTERMEDIATE 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 have reached out multiple of times informing this company that i have not taken a loan out at anytime and also requested they send verification and method of verification and i have yet to receive any information with my signature confirming the consent

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 2017-11-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My wife and I never signed or agreed to authorize XXXX XXXX XXXX XXXX, Wells Fargo or anyone else to deduct any money from our checking account for supplemental health insurance being sold as XXXX XXXX XXXX Plan Coverage through Wells Fargo bank. 

I contacted a XXXX XXXX XXXX representative by phone. The representative told me that the XXXX XXXX XXXX Plan Coverage listed my birthday as XX/XX/XXXX. This is in correct. My birthday is XX/XX/XXXX. 

In addition, since XXXX when the policy was issued, it was never used. In other words, no health-care claims were filed against the policy. 

This is what I was told by XXXX XXXX XXXX XXXX. 

Ive had many medical bills since XXXX. But there have never been any claims filed against this health-care supplement coverage by my wife or myself. 

We also had two insurance policies during this time. One from  my wife 's work at the XXXX XXXX XXXX XXXX and the other, up until XXXX, from my job as a newspaper reporter. 

We both have my wife 's health insurance policy and I am enrolled in XXXX. 

I have unsuccessfully tried to get proof from Wells Fargo that my wife or I authorized XXXX XXXX XXXX XXXX or Wells Fargo to deduct {$24.00} every month for this plan coverage since XXXX. 

XXXX XXXX XXXX told me to check with Wells Fargo to get that authorization. Wells Fargo said to check with XXXX XXXX XXXX. 

I thought this expense on my Wells Fargo account was for my wife 's federal union dues. 

I am sure other Wells Fargo customers were also illegally enrolled in the Wells Fargo and XXXX XXXX XXXX XXXX  without their consent.

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 2017-11-10
Company: CITIBANK, N.A.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Cbna or Sears I 've never applied for any type of credit check or whatever this is I signed up for. I 've never been to a Sears in my entire life

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 2023-06-21
Company: EQUIFAX, 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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-19
Company: EQUIFAX, INC.
State: CA
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:
Ive been trying to fix the problem with XXXX   for a while. It started when I first got a credit card. Someone used my credit card fraudulently and without my knowledge and as a result they went over my credit limit. I fixed the problem with my credit card company. And when they fraudulently used my credit card and went over the limit my credit score went down from XXXX to XXXX. I asked XXXX  to fix the problem but they refuse. And since Ive been trying to fix this problem Im noticing that its impossible to fix my credit now with them. For example I paid a balance down and my credit score went down. Its supposed to go up not down. Ive been noticing someone is checking my credit hundreds of times without my knowledge and my credit score keeps going down. This is the last time I will try to deal with this before suing this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX XXXX XXXX All Purpose Certificate Of Acknowledgment Page is XXXX by the Notary Public XXXX XXXX XXXX XXXX XXXX XXXX sign her name as the witness notary public with her signature stamp Forge my name as ( me ) XXXX XXXX I did not and was not personally appeared to her on XXXX XXXX, XXXX and this page is all sign by the same person and signer name is not my signature nor signer as self this is Forgery and have also filed a complaint with the State Of California XXXX XXXX XXXX notary public section I did not sign the notary journal record book to this document I have had a document company look as this document and all of it is sign and printed by the same person and my name is forged and there are some other issues to some other documents as well as dates and signatures I ask for documents for months and never received then until now. I have at least 8 letters to this issue as XXXX XXXX Mail but no response to the issue until now. 

had several copies mail to me as well with duplicate copies have one package they mail they claim is the same package not open as of yet that I spoke to some one who stated its the same papers and I have not open it in any way. 

I 'm filing a fraud and Identity Theft charge at the police department cant be at two places at the same time as the Notary has claim I 'm a XXXX at the hospital at the time of this loan and still a 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 2017-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XXXX XXXX I submitted full payment on the balance due on the account. This should have ended the issues I have been having with excessive interest charges, bringing the account to a {$0.00} balance. 

The payment due date was XXXX XXXX. 

On XXXX XXXX I am charged YET ANOTHER INTEREST FEE of {$16.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage loan is from ditech. I have and was working for an in house modifcation which they had approved me and my payments began XX/XX/2018 of {$260.00}. They needed my authorization for the approval which i did several times and never received the approval documents how they had explained to me. Later on i come to find out i was denied but was never notified. They have me back and forth but i am XXXX and still making my {$260.00} payment as they had mentioned to me at first. The excuse, they are backed up. Loan # XXXX they changed my loan # number due to new system # XXXX Password to talk to me due to getting alot of scam calls- XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of fraudulent activity on my credit. I have a FTC REPORT NUMBER XXXX. For two accounts. XXXX XXXX ACCOUNT # XXXX and XXXX Account # XXXX. Both accounts have been removed and or block by other CRAs. But your company Equifax has lied and stated account verified. How dare your CRA breaks the law and not block these accounts immediately. All Fraud must be remove that is the federal government law. No if and or buts about it. But its not a surprise your company is openly breaking the law. This is the same agency that leaked millions of Americans information. If your CRA does not block these accounts immediately I will be filing legal action against your company immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-19
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Pioneer credit began garnishing 25 % of each paycheck. There was no notice or any documents. Every phone number I have goes to a pre-recorded msg. Supposedly I owe XXXX. Years ago they contacted my step mother saying I used her identity in a bank fraud. I had to contact the Ohio ag when they began calling my elderly neighbor. This is after the IRS took every refund from 2004 to this day. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In the early part of this past summer we were having trouble with our local mail delivery so my wife called XXXX XXXX XXXX ( XXXX XXXX ) to ask what I owed since I did n't receive a bill. She was first advised that she was only an authorized user on our card and they would n't give her the amount owed. She explained phone call after phone call that all she wanted was the amount owed so we could do the right thing and pay for the items we purchased and finally, on XX/XX/XXXX, someone was willing to give her the information needed. She asked then very specifically and clearly for the total amount owed to XXXX XXXX on XX/XX/XXXX, was advised {$140.00}, and paid them over the phone with our checking account that full amount due. The company went out of business and the card was closed so it is not like they can say we owed more after that because of subsequent charges. Yet they instead sent yet another bill with more finance charges and late fees based on fees they claim they had n't billed us for. My wife called them last month and was advised this would be resolved and was promised a phonecall back but of course that did n't happen and we are once again receiving bills for late fees/finance charges they just keep piling on month after month for no reason. My wife called them today and was first advised that these bills would just continue as they did n't agree with my " dispute '' and when she called back to speak to them again they have reverted back to " we ca n't speak to you because you 're not the primary cardholder '' ( same XXXX. that started this whole mess back in XX/XX/XXXX when she called over and over again just to find out how much was owed so I could PAY them. ) I did the right thing pursuing paying a bill the USPS never delivered, gave the respect to XXXX XXXX it did not deserve by paying what I owed for purchases made by myself and my wife as advised by them ( XXXX ) and have had nothing but aggravation and unfair treatment from them. I am struggling to keep my head above water and do not need or deserve to have bogus charges/fees count against me on my credit history because of unfair credit card practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-20
Company: Home Point Financial Corporation
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Received a demand letter from the town  stating a landfill tax of XXXX plus interest and fees for the mortgage co not paying it - resulted in a XXXX bill. My husband had called the town of XXXX XXXX, ma to ask what it was since hes never seen a bill labeled that in other towns we lived in, and 2. He never saw the initial bill to begin with. The town  said we didnt see the bill because it was sent to the mortgage company- they didnt pay it and thus why we saw the demand letter. When my husband called last Thursday, homepoint financial ( the mortgage co ) stated to send the bill over to XXXXXXXXXXXX.XXXX and they would look into it. Never told my husband that it takes up to three days not including weekends to even get the email or the images uploaded. So on Monday at XXXX XXXX est I spoke with a cs rep there who told me they still didnt see any images and that they never saw a bill for the original XXXX for landfill tax. So I told her I found that odd since the town said they sent it out to them. And when they didnt pay thats when we got the demand letter. Town was rude saying there would be a lien if XXXX wasnt paid on XX/XX/XXXX. So the cs rep at homepoint told me to send over the bill again and her supervisor XXXX XXXX @ XXXX would look into it. However she also said it would take 3 days for her supervisor to research it so it was best we paid the bill. She was going to get the bottom of why they supposedly didnt pay that tax bill and 2. The cs rep said they would ask the town  why it was labeled something that the town  was saying was mislabeled to begin with. They ( the town ) are saying its not a landfill / utility tax that its a tax increase bc all homes in town got recently assessed. I have been waiting on the town collector to clarify why the bill reads wrong. 
As waste management in the town told my husband on Friday that it was not a landfill /utility tax for waste management. 

I specifically after finding out how long homepoint was going to take to research this bill of XXXX stated in an email to XXXX XXXX that we were paying it via certified mail as it was due XX/XX/XXXX. She goes ahead and tells me shell research it in email and then pays the town again. I was told by a cs rep that this will increase our mortgage. 

I never in that email to XXXX stated that they should pay it. I specifically said we were on Monday XX/XX/XXXX. I asked why they ignored it though when the town stated it was sent to them directly previously. No answers to that. Just goes ahead and double pays the town. 

Now the town  is double paid and we are paying twice - once with a check we paid out to them and now because XXXX at homepoint didnt read an email correctly- an increase in the mortgage. 

Ive asked them to credit the XXXX before legal action is taken and to get their money from the town that they knew we were paying. Still no credit to loan number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: Lendmark Financial Services
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:
According to my most recent credit report, XXXX and XXXX are currently reporting that I applied for credit with the companies that I'm not aware of. I did not grant them authorization to review my credit report.

Company response to consumer: Closed with explanation