BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-28
Company: INTERCONTINENTAL CAPITAL GROUP
State: AZ
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:
On XX/XX/2020 Intercontinental Capital Group called me about a refinancing per information that we filled out under XXXX XXXX. I explained to him that I was already working with XXXX XXXX. I spoke with XXXX XXXX and he told me he could do much better for us and to give him an opportunity. I explained to him that XXXX had already done a hard pull on our credit and I did not want to see our credit score pulled down by multiple pulls. He explained to me that he would be doing a soft pull which does not affect my credit score. So I ONLY gave my permission for a soft pull. He sent me paperwork which I questioned several times because I had only asked for a good faith estimate and amortization schedule and he included loan application papers saying ( In Process ). So again I made it clear to him that I was not ready. After that conversation on XX/XX/XXXX. he had performed without my permission a hard pull on my credit by XXXX XXXX XXXX which I discovered the next day by checking my credit score on XXXX. I then called him the next day and asked him if he had done this and he said yes. I then asked him to call the credit company and undo this to a soft pull which he did not do. We are now in the process of refinancing our mortgage and it is crucial that we have an exceptional high credit score that we had so that we can get the lowest and best rate for the life of this loan. This is our one chance with rates so low that it will enable us to actually pay our house off before we retire. It is crucial that we get this off of our credit record and I want recourse for the action that this man who represents Intercontinental Capital Group did without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: CORELOGIC 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:
Inquiry is inaccurate, I never authorized an inquiry in XXXX for " XXXX XXXX XXXX  ''. Fraudulent, was not 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 2018-11-20
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:
There are two accounts reporting on my Equifax and XXXX   credit report that dont belong to me XXXX has the right information they are not reporting it i can show screen shots

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Social Finance, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I am an existing client with this company. I put in a request for additional funds. After 2.5 weeks of continuously asking me for one new item after another, they declined my loan saying, " Unable to verify income ''. This is FALSE. I uploaded my XXXX & XXXX 1040 's, I also uploaded my XXXX 1099 from my employer ( Have not filed XXXX taxes ). I was approved on my previous loan with Sofi using the same 1099 's for years XXXX & XXXX from my same employer. 

Sofi was also in possession of my XXXX 1099 for well over a week before making their decision. They only made their decision after I uploaded a Profit & Loss showing a XXXX expense, for the entire year! My Debt to Income Ratios are below 25 %, My Fico is a XXXX, and my income was almost 300k the last 3 years running. My unsecured debt is {$8300.00} and I have been with my current employer for 4 years. 

I have been around lending and for over 26 years. Sofi has denied the loan saying they were unable to verify income when all income was provided. They have been misleading and vague since I started the process with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them or else remove the account from reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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/2021, l mailed in dispute letters that had inaccurate information about my credit report. I am reaching out to you for help to get these items removed from my report as it is illegal to report inaccurate information. I will be seeking litigation due to the inaccurate information on my 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 2021-10-21
Company: WELLS FARGO & COMPANY
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: Reporting company used your report improperly

Complaint:
I have been disputing an item on my credit report. An account by Wells Fargo is incorrectly on my credit report. I sent a cease and desist letter by certified mail to Wells Fargo on XX/XX/2021 to have them stop harassing me with phone calls and unwanted communications and they keep calling. I never gave them permission to place any of my personal information to the credit reporting agencies. I have asked them to provide proof of me ever giving permission to have them sell my information and they have failed at that. I have contacted XXXX, XXXX and XXXX about a fraudulent account on my credit report and they have all failed to do their jobs which they are required to do under the FCRA. I submitted an FTC report and 2 forms of identification and they have failed to block this illegal account. I am filing this complaint against Wells Fargo Dealer SVC for Account XXXX. I am filing this complaint against XXXX, XXXX and XXXX for not blocking this information from my credit report. I submitted this information to them over 30 days ago. It was sent on XX/XX/2021 and no action has been taken. Very illegal!

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 2020-04-28
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX  out of NY has contacted many of my family members, friends and even an ex ( who I haven't been with in 7 years ) SEVERAL times in the last 6 months. I have and others have told them to stop calling or harassing. I put my number on the do not call and then also have not sent me anything in the mail, ALL has been phone calls. There has to be some kind of relief against this type of harassment and embarrassment they have caused our family.

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 2020-04-28
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:
I AM VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND OPENED A FRAUDULENT ACCOUNT. THE CHARGES ARE FRAUDULENT, THIS ACCOUNT IS NOT MINE. I HAVE ALSO REACHED OUT TO FAIR TRADE COMMISSION.

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 2021-10-21
Company: EQUIFAX, INC.
State: SC
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/2021, l mailed in dispute letters that had inaccurate information about my credit report. I am reaching out to you for help to get these items removed from my report as it is illegal to report inaccurate information. I will be seeking litigation due to the inaccurate information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted TransUnion about a bankruptcy that is reporting on my credit. I contacted the US Bankruptcy Court and was informed that they do not provide information to credit reporting agencies nor do they validate and/or confirm public records. A letter was mailed to TransUnion on XX/XX/2021 asking them to remove the bankruptcy and they sent a letter back refusing to remove it.

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 2020-04-28
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a complaint in regards to my escrow account for my mortgage serviced by Mr. Cooper D/B/A Nationstar Mortgage. Mr. Cooper did not pay my taxes correctly in XXXX of XXXX. I faxed them the bill when I received it and they paid the wrong amount ( XXXX ) to the wrong taxing authority causing my taxes to become delinquent! The correct amount that should have been paid was {$2100.00} to an entirely different tax collector! I did not know they did this until I received a notice from my County in XXXX of XXXX. I talked to Mr. Cooper on XX/XX/XXXX and also faxed them all the corresponding proof of what happened. I was promised everything would be taken care of and all delinquent fees would be returned to my escrow by Mr. Cooper. 
After lots of phone calls and getting the runaround and nothing being paid or taken care of, I had to pay my delinquent taxes myself with a credit card on XX/XX/XXXX so that I would stop incurring fees and not have my property go up for tax sale! 

Mr. Cooper has been an absolute joke. I've been communicating with my local tax authority trying to get Mr. Coopers incorrect distribution returned to me because they have done nothing other than blame other departments at Mr Cooper for the mistakes. I incurred delinquent fees and penalties of {$400.00} that need to be returned to my escrow account by Mr. Cooper immediately! I'm sick of their excuses and runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a collection letter from XXXX XXXX XXXX XXXX on XX/XX/2021. This letter was dated XX/XX/2021. It claims it is an amount owed to XXXX XXXX XXXX XXXX which I never received a bill for this amount. I closed my account with XXXXe on XX/XX/2021, and never received a final bill from them. The first bill I am receiving is this collection letter, which has no detail as to what the charges are for. Upon attempting to contact XXXX, I was told that I no longer have access to information on my account, due to it being closed. I do not believe this collection notice is justified nor legitimate, as XXXX has made no attempt to inform me of these charges.

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 2021-10-21
Company: AES/PHEAA
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:
I have called and emailed Fedloan several times about fiing my qualifying public service loan forgivenss payment count errors. I submitted a in school deferment waiver and eqch time I talk to someone they say it will be updated and fixed, but it still has not been. They recieved a waiver for XX/XX/2021 but did not apply it. Then I was told to do another and give also give my verbal okay for it to be aplied. Then it still wasnt fixed. Then tI called again and they said they had 2 waivers and... then multiple calls again .... to no avail of it actually being fixed. The last time I spoke with them they said the people that fix it probably saw the wrong form and didnt fix it and that she would notate it. It still hasnt been updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
i applied for HSBC Master card over internet, was approved and have confirmation e mail.then welcome e mail and 2 letters came, then PIN letter and e mail came and finally i got card itself [ ends XXXX ] .i activated over the phone as advised on card letter and went to local XXXX XXXX for food.all i spent is {$1.00} but card was rejected so i used other card. i called customer care # XXXX and was told they off till XXXX next day.i went and again activated card over hsbc.com/activateus, as it was 2d option on card sticker. received e mail saying : card is activated and ready to use again but to be on safe side i choose chat option and waited 3 hours until it was answered just to learn that i must call to fraud department and agent XXXX said i do not know what to do [ i have copy ] since it is frozen. # i got is:XXXX.i called XXXX today and was told it is international call so i went back to chat.this time i got # XXXX, of fraud department.i was on hold since XXXX till XXXX, when i walked to branch of HSBC and showed them ringing phone.Manager Mr.XXXX XXXX called himself and we all spent 3 hours on hold then he gave up and said : it is unusual.No kidding.Now they have my S.S number, driver license, D.O.B. last working place etc. and all i have is useless card i can not use.Please help.I am XXXX person and do not need that aggravation besides i learned now this bank being hacked daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: Social Finance, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have contacted Sofi asking them to send me information before they release my money to dispute the debt with the State of New Jersey and they never sent anything. New Jersey does not have jurisdiction over my income or money and they can't provide me any written documentation on how they have jurisdiction over my money in Nevada. 

My ex wife and kids live in Georgia. No one lives in New Jersey and I have documentation from page 10 of their handbook that states at least one person needs to live in that state and no one resides there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
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:
Capital one placed a 7 day hold on payments to my account. This information is not in there terms and conditions. The terms and conditions state within 24 hours. They placed a 7 day hold on the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2020-04-28
Company: Santander Consumer USA Holdings Inc.
State: IA
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:
To Whom It May Concern, May I please request you wise assistance. I have experienced identity theft on my personal credit report. For many months, I have been working to un-wind this disaster. 
Practically all of the companies that I have dealt with have been compassionate with my ordeal and have tried to assist me. Santander Consumer USA has gone out of its way to destroy my credit. I have done everything the company has requested to correct the situation. I have submitted a Police Report singed my the Captain of my local Police Department. I have notarized a sworn affidavit demanded by the company. I have filled out a document sent to me by the company attesting to Identity Theft. All I have received back fro the company is a form letter telling me that there is not enough evidence submitted to support my claim. I am at a total loss here, as I have no idea what I can possibly do to get Santander Consumer USA to correct my credit report. I the meantime I keep receiving notices from all, three credit agencies that every month for now many years, the company keeps reporting charge-offs. This situation has greatly impacted my life. As this coupled with a number of other errors that I am working on daily with the credit companies, is responsible for my not being able to rent an apartment. I own a home that is being sold. I suffered a XXXX XXXX  a number of years ago and now I have problems with my memory and confusion. I need to be closer to XXXX Minnesota and the XXXX XXXX for continued care. I am a senior citizen and need to move into a facility close to the medical campus. The apartment community is telling me that I will have to have 6 months upfront deposit before I can lease. The main problem here is Santander Consumer USA. Ther is a balance of some {$25000.00} sitting and the company somehow has gotten ahold of my Social Security number and has attached it to this debt. My question here is just how can I get this resolved. This took place in 2015. I do not know any more than that. I never needed to look at my credit report, because I never buy anything with credit then a car. I own a used XXXX. I believe that I am being treated very unfairly. I have gone to the Police Department a number of times and now I believe that they have turned over the matter to a state attorney. This seems total nonsense to me. Why will this company do cooperate and try to help me? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Experian Information Solutions 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:
To whom it may concern I have been a victim of identity theft and my information have been exposed on the XXXX data breach there have been a numerous amount of accounts that i have discovered on my credit reports that need to be deleted and investigated. please send me a updated copy of my information and credit report once information is deleted.

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 2021-10-21
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them or else remove the account from reporting on my 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