BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-08
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:
This is XXXX XXXX and I am submitting this CFPB complaint to request the removal of the fraudulent accounts I found on my Credit File. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission : XXXX XXXX XXXX  Balance {$16000.00} XXXX XXXX XXXX  Balance {$10000.00} XXXX XXXX Balance {$4000.00} XXXX XXXX Balance {$3600.00} XXXX XXXX XXXX Balance {$2500.00} XXXX XXXX XXXX XXXX  Balance {$1000.00XXXX XXXX XXXX Balance {$0.00XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX  XXXX Balance {$10000.00} XXXX XXXX XXXX XXXXXXXX Balance {$4900.00XXXX XXXX XXXX XXXX XXXX Balance  {$2400.00} XXXX XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX  Balance {$1900.00} NOT REPORTED XXXX Balance {$1700.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: CITIBANK, N.A.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a letter on XX/XX/22 requesting to be removed as an authorized user from an account. I have yet to receive a response. Also, the authorized user account still remains on our credit report.

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 2021-11-28
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
A large payment was made to compensate for the next XXXX months payments because I was unable to pay due to being XXXX. XXXX XXXX XXXX military. Navy federaXXXX did not accept this and reported me late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
on XX/XX/XXXX I opened a mortgage with Wells Fargo, later America servicing company started to service this loan. This amount of this mortgage was XXXX. This mortgage was included in a chapter XXXX that was successfully discharged XX/XX/XXXX. furthermore, this said mortgage amount was paid off due to the property being sold.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020, I submitted a dispute online with Transunion ( TU ) requesting to have my account with the Texas Attorney General Office investigated for errors. On XX/XX/2020, I checked my update credit report to see if errors were corrected. Unfortunately, errors still remained on my credit report for this account. That same day, I sent a request via certified letter to TU advising that my account with the Attorney General still contained errors on my credit report and I would like to have them corrected. TU received and signed for the letter on XX/XX/2020. As of XX/XX/2020, I have not received a response to my request from TU. From indications, it appears that my request was ignored.

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 2023-09-07
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have had accounts with Wells Fargo for 20 years and a credit card with them for close to or during this entire time. They seem to have lost statements from early XXXX and pass me from one person to the next with promises for them to call but I don't seem to be anywhere closer to receiving the statements. I have expressed a need for these in a timely manner however they continue to delay.

Additionally, and now just as importantly, they have stated that I have delinquent accounts or prior credit cards with them. I have never been late, never missed a payment, and never been delinquent with anything - credit cards, mortgages or anything else. The first rep stated several times that I have a delinquent card with them. Another rep stated it was from XXXX and was a fraudulent account. Either way and again I have never been late or delinquent and want this cleared up ASAP and need the statement from last year immediately as I refer to them for tax purposes and their delays have caused me great issues with timing on my due dates. Every time I speak to someone its the same waste of time call where they say there is something funny with their system and cant find the statement for last year and are now stating that there is a derogatory account from XXXX. I am now hearing about this for the first time and know that I have never been late or derogatory.

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 2021-11-28
Company: Specialized Loan Servicing Holdings LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a loan that has been sold to XXXX XXXX and the servicing records are not correct. I have repeatedly reached out to the original servicer and new servicer, but they have not corrected this nor provided any conclusion. Basically, the file transferred did not reflect my XXXX payment, which was made on XX/XX/2021. I have received statements from the original servicer reflecting the payment and provided statements reflecting this to the new servicer. I am also without these funds, as they were withdrawn via XXXX through a file originated on behalf of the original servicer. 

My loan was formerly sub-serviced by The XXXX XXXX XXXX ( XXXX # XXXX ). The servicing was transferred to Specialized Loan Serving ( XXXX # XXXX ). 

I have reached out Specialized Loan Serving via email on the following dates, providing them detailed support : XX/XX/2021 XX/XX/2021 Additionally, I have reached via phone to Specialized Loan Servicing on multiple occasions and they have recordings and details of all of these calls. Lastly, I've reached out to The XXXX XXXX to no avail. For this reason, I'm reaching out to the CFPB. 

My loan is now appearing as past due and Specialized Loan Servicing ( XXXX # XXXXXXXX ) is subjecting me to collection calls and correspondence, which is inappropriate given the fact that I have reached out to them on numerous occasions, as I am not past due - they just have bad records. 

I hope the CFPB can direct my complaint to the companies, XXXX XXXX and/or the appropriate regulatory authority to help address this simple, but personally significant error.

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 2020-02-21
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: Information belongs to someone else

Complaint:
These are not my accounts, and I did not authorize these folks to pull my credit.

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 2020-02-21
Company: Diversified Consultants, Inc.
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company has been calling my personal phone repeatedly causing me mental stress. I have changed my phone number a few times but now im fed up due to the fact that this company has been calling multiple times every day. I also have an account that is too old but this company closed the account and reopened it so it would look like the account is still young.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: Ocwen Financial Corporation
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This Short Sale has been in process for over a year and has been delayed by OCWEN, not I, XXXX XXXX XXXX. 

I have put a tremendous effort in order to complete this Short Sale and am determined to complete it and leave on my own volition since it has been my family home for over 50 years. 

I have attached the new contract with the existing cash sale for over a year and the corrected Settlement Statement in order to expedite this Short Sale in 30 days or less. 

Please note OCWEN keeps putting off the Sale for only XXXX XXXX on the Settlement Statement and before that an " e '' was missing from the word Street on the physical address. 

Please help us reach a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
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: Personal information incorrect

Complaint:
Please remove fraudulent information from my credit report. This information is incorrect and therefore does not accurately represent me as a consumer per the law. Please see below for all inaccurate information and remove negative information as soon as possible. 

Collection- 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

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 2020-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I went online to make an appointment to open a account with Bank of America. On the day of the appointment the branch was closed when I arrived. I called customer service but the wait for someone to answer the call was too long. I went on Bank of Americas website and opened the account. I funded the account as well. The account was opened on XX/XX/XXXX XXXX The following week I made another deposit into the account. On XX/XX/XXXX I tried logging into my account and was not able to. I called customer service and I was told the account had been closed and a cashier check was mailed to to me on XX/XX/XXXX for the funds that was in my account. I was told the account was closed due to unverifiable information and I should make a appointment to open another account at a branch. I made a appointment to open another account on XX/XX/XXXX, I opened the account XXXX in the branch that day. The banker that opened the account for me told me to try logging into my account the next day to make sure I can get into online banking. The next day I tried to log into online banking but I was not able to. I called customer service and I was told the account had been closed earlier that day and a cashier check would be mailed for my funds that were in the account. The rep said Bank of America do not have to tell customers before closing their account. I was told I would not ever be able to bank with Bank if America. No explanation was given to me. This was the second account closed by Bank of America within a matter of one month. The second account that was closed which included a checking and savings, I received the cashier check for the funds last week. However, the first account # XXXX that was closed I have not received my cashier check for the money I had in the account. I have called and inquired but the reps seem to not have any info on where my funds are. I request a call from a member of management but no one never called me. I demand Bank of America to release my money that was in the account # XXXX that was closed. I have documentation to support all deposits, transactions correspondence and conversations

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-01
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 complied with request from all three credit bureau agencies and they have not processed fair accurate disputes to have information removed from credit files ... .. XXXX XXXX, IL XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and Bankruptcy that are reporting on my credit file are all invalid, not reporting correcting and are not mine the account numbers, dates, account themselves, and amounts are reflected on wrong credit profile have submitted police report and ID theft Affvd please see attached.

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 2023-07-17
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Discover Card has lowered my limit thus having my utilization rate percentage go up and is killing my credit score. I have never been late with a payment or never paid a minimum payment. I was not warned or given any explanation for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your 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 non-monetary relief
Consumer complaint received 2023-07-17
Company: Consumer Portfolio Services, Inc.
State: LA
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 didnt apply for credit for a car loan with any of these companies or give anyone my permission to run my credit as a hard inquiry. XXXX  XXXX on XX/XX/, XXXX XX/XX/XXXX  and Consumer Portfolio on XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : 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 ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened XX/XX/2019 Balance {$2800.00} XXXX XXXX XXXX Date Opened XXXXXXXX XXXX XXXX Balance {$880.00} XXXX XXXX XXXX XXXX Date Opened XXXX XXXX XXXX Balance {$4400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Fail to report the debt correctly to the credit bureau. They are reporting the item to all XXXX credit bureaus incorrectly and this is causing me to not obtain a mortgage. They reported to the credit agency 's on XXXX that it is an installment loan, another states that its closed, and the other open with the incorrect balance. The other issue is that I had autopayments setup with this company and they take the first payment then cancel the autopayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Exeter Finance Corp.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XX/XX/XXXX Exeter finance stole my, XXXX XXXX XXXX XXXX XXXX Automobile out of a driveway in XXXX XXXX, Illinois. I tried to resolve this with the company, but they have threatened and ignored all of notifications. 

I have sent several notices to Exeter finance regarding the automobile. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have contacted Exeter explaining to them not to steal my property. I requested for them to stop harassing and Threatening me. I sent several notices to them explaining to them they were breaking the federal law and they continued to harass me and my family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the second time I have contacted your Trans Union, XXXX, XXXX   regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. My current legal name is XXXX XXXX XXXX please remove/ delete all variations they are incorrect. 
MY DOB IS XX/XX/XXXX My SS number XXXX MY ADDRESS XXXX XXXX   XXXX XXXX XXXX XXXX XXXX. 
I have been the victim of ID Theft and I wish all addresses other the the one above to be remove file my credit report I no longer live there and do not wish pre approved mail and ads sent to those addresses as I believe this is possibly what lead to my ID being stolen in the first place. 
I no longer live in XXXX XXXX and some has been using my ID and SS for account in XXXX XXXX. I had to file a report for the Unauthorized activities.

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