BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
My ex-husband & I filed chapterXXXX  bankruptcy in XX/XX/XXXX, the 2nd mortgage on our house was in it through Beneficial Finance. I am now trying to sell that house since my mother died & I am now living in her house. When the title search was done, the mortgage for Beneficial is still showing. As far as I know it was paid for in the bankruptcy which was discharged on XX/XX/XXXX. Beneficial was bought by HFC, then HSBC. I called HSBC on XX/XX/XXXX, I was transferred 3 different times until was given the # XXXX. When I called they were closed. I called again on XX/XX/XXXX, and they were still closed. on XX/XX/XXXX I called again & talked to a XXXX that told me to send the title search & a recorded mortgage with my county. That was done XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX. There was no response. The title Co. & I each tried calling them to see what they found & we each got the recorded message that the office had been closed. The message also had an address to send correspondence, but no phone number to reach them. on XX/XX/XXXX we send another title search & recorded mortgage to them. With still no response. Since I am living in my parents house already & can't sell my old house. This is creating a financial hardship on me. I would greatly appreciate it if you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent four letters via USPS Certified with Return Receipt to XXXX. None of them have received a reply. The last letter was sent to both customer service and their executives to ensure that indeed the letters were being received. 

The USPS tracking numbers are as follows : XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX & XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX Be aware, I am NOT inquiring about validation. I am inquiring about why XXXX claims they replied with validation to my initial BBB complaint when that can not be the case. I had the wrong account number and wrong original creditor listed. XXXX sent validation for a completely different account and Id like to know why this happened as Im sure XXXX  understands replying with the wrong account information is a serious problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: EQUIFAX, INC.
State: PA
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/2015 a balance of {$870.00} from XXXX XXXX Bank appeared on my XXXX and Equifax credit report. I am challenging XXXX and Equifax to verify this account Per Section 609 of the Fair Credit reporting Act ). This is a consumer disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and creditors to provide the credit bureau a copy of the original creditors documentation. Whatever i filled out and signed upon opening the account with the reporting creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
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 just received my initial monthly bill ( dated XX/XX/2018 ), since XXXX  servicing took over servicing my student loans. The monthly bill statement was inaccurate, as that shows that I have zero eligible Public Service Loan Forgiveness ( PSLF ) payments. This is totally inaccurate and does not reflect my eligible payments! 

By letter dated XX/XX/2018 ; I was informed that XXXX XXXX was selected to manage my federally owned student loans. In that letter I was informed that I could expect to hear back from the organization no sooner that 90 days from XX/XX/2018. As of XX/XX/XXXX, which is Friday, it will have been 90 since days since I received that letter. How can the organization portray on my initial monthly bill, that I have zero qualified PSLF payments, when I have yet to receive a report on their analysis of my past payment history? 

This will actually be the 2nd complaint that I will have submitted about XXXX, in the short amount of time that I have been dealing with their organization. My initial concern, started after I received my initial communication from XXXX by letter dated XX/XX/2018 ; stating that I did not have any eligible loan types. This was inaccurate and not correct, as I received an additional letter from XXXX, dated XX/XX/2018, stating that in fact, I was eligible for the program, and that my employment had been certified. This is very disconcerting and causes me great concern about future dealings with XXXX!!!! 

My most current concern, is that I received a letter ( dated XX/XX/2018 ) saying that the XXXX organization had approved a Disaster Forbearance on my behalf. I never have, nor did I requested a Disaster Forbearance. This should be cancelled ASAP. 

In closing can you please tell me : How can XXXX portray on my initial monthly bill, that I have zero qualified PSLF payments, when I have yet to receive a report on their analysis of my past payments? 

Sincerely, XXXX XXXX XXXX, XXXX , XXXX Enclosure : Printout from the Federal Student Aid website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-05
Company: EQUIFAX, INC.
State: NM
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:
XXXX XXXX, Equifax and XXXX  are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: Experian Information Solutions Inc.
State: MI
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:
Im writing this evening about an account that was removed by XXXX but XXXX is still reporting the account from XXXX smartconnect. I will attach documents to show my proof also the account was deleted from XXXX and I would appreciate it if it was removed from Experian as well. I also have a hard inquiry on my XXXX credit report that has been deleted from XXXX XXXX but its still being reported here is the document for that information. XXXX is putting the wrong city on my credit report my city is not XXXX XXXX its XXXX please correct this as well.

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 2021-02-08
Company: MONEY SOURCE, INC., THE
State: NJ
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 made my mtg payment on XX/XX/XXXX ( which was a Sunday ) usually the mtg company processes our payment the next business day. However, they processed it on the second and reported to the credit bureau as late which caused my score to drop 32 points! I tried calling them to rectify the situation to no avail. It was a matter of one day. Please have this updated me late payment removed from my report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: WELLS FARGO & COMPANY
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: Their investigation did not fix an error on your report

Complaint:
Wellsfargo is reporting a 30 day late inXX/XX/XXXX2017 but the theirXX/XX/XXXX statement and my Wells Fargo branch manager prove I was not late that month. After disputing and calling no nothing has been resolved.

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 2018-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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/2015 a balance of {$0.00} from XXXX appeared on my Transunion credit report. I am challenging Transunion to verify this account Per Section 609 of the Fair Credit Reporting Act. This is a consumer disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA place the burden upon the the credit bureaus and the creditors to provide the credit bureaus a copy of the original creditors documentation. Whatever I filled out and signed upon opening the account with the reporting creditors.

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 2018-02-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Equifax is not reporting one of my credit cards, the oldest one with higher limit, which hurts my score. My credit card, XXXX, says they report to all agencies, and it does show on my XXXX, but not Equifax. I tried getting a new card and they pulled my equifax report, I didn't get it and now have a new hard pull. When I tried calling to solve they said they wouldn't be able to do it over the phone and I would have to send docs via fax, which is absurd. They keep all our information, they lose it, they affect our life, and when we try to call them they don't help. It's amazing how much power you still give to the reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I'm a single Father and i attempted to finance a home for me and my family and i could not because of my credit. That inspired me to check my credit report and I saw a lot of fraudulent items I did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax is reporting a address that I dont currently live at. I mailed in a dispute letter with all my current information. The accounts on credit arent reporting the address Equifax has as current. They refuse to update my address and even mailed out dispute results with all my identification to a address Im not associated with. I was confused to why the dispute results stated mailed but I never received them. I mailed in my dispute and also open up a dispute via myequifax. I was emailed and asked to fax over my ID, Current proof of residency and social security card. I did and continued to receive alerts to my email to send the documents that I already faxed. The proof of address is a current cell phone bill with the current address the same address on the return envelope that I sent my written dispute in. So now my account and life insurance systems are updating my current address to the address that Equifax is reporting where I do not live or receive mail. I live in XXXX  but my mail is going to XXXX. Equifax is the only credit reporting agency thats reporting the address : XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX. 
The address dates are not correct and my current address is being reported as if I lived there a year ago when I hadnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: PNC Bank N.A.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I've received 21 phone calls, just in XXXX from PNC Bank. They never leave a voicemail but their name shows up on caller ID. I've tried twice, once on XX/XX/XXXX and once on XX/XX/XXXX to speak with them regarding the debt I owe. I wanted to arrange a payment plan and discuss my financial hardship, and both times the representatives refused to submit any requests unless I set up an auto withdrawal plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
hard iniqury on credit fraud usage on one and never completed the other and still ran threw

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-25
Company: Certified Credit Reporting, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Certified credit reporting 3 inquires 2 of 3 date of inquiry XX/XX/2023 I did not give CCR permission to run a hard inquiry on my credit report I consider it fraud and wish for them to remove the hard inquiry on my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Bread Financial Holdings, Inc.
State: AL
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/2019 my account was approved for the hardship program with monthly payments of {$23.00}. I have made each payment going forward and was notified that my account was past due. The letter from Comenity Bank doesn't state reporting of past due balance but simply details the layout of the hardship plan. I was never informed via mail or on the phone that they would report the account late after entering into the hardship program. 
Please see documentation attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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/2017 a balance of {$400.00} from XXXX XXXX appeared on my Transunion credit report. I am challenging Transunion to verify this account per Section 609 of the Fair Credit Reporting Act. This is a consumer disclosure section which is to provide for the protection of the consumers against false and erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and creditors to provide the credit bureau a copy of the original creditors documentation. Whatever I filled out and signed upon opening the account with the reporting creditors.

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 2017-08-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I discovered that Wells Fargo opened a checking account without my authorization in XX/XX/XXXX in conjunction with my obtaining a mortgage through Wells Fargo. I only learned about the account when my mortgage was paid off and I received a statement stating that I owed {$30.00}. I called Wells and was told that the checking account fee had been waived for the 9.6 years I had my mortgage but that the {$30.00} fee was being assessed since my mortgage was paid off XX/XX/XXXX. I never knew I had a checking account with Wells Fargo. I finally convinced a Supervisor to close the account. I am reporting this since I never knew until now that I was one of the unauthorized account holders.

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 2018-04-04
Company: U.S. BANCORP
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
US bank has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-02-19
Company: Nelnet, Inc.
State: TX
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:
I recently contacted XXXX via its website concerning my student loan payments. Specifically, I requested copies of my original loan documents, and an explanation as to why my monthly auto-debit amount fluctuates some months. I wanted to verify my original loan terms and amount regarding the loans taken over by XXXX from XXXX Bank and XXXX. To date, I have not received any response regarding my loan documents or the changing monthly auto-debit amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX continues to report erroneous information on my credit report despite numerous requests to have the fraudulent information removed over a period of months. I filed a police report detailing a fraudulent account listed on my credit report from XXXX XXXX and I also filed an identity theft packet directly with XXXX XXXX. XXXX XXXX responded and said that they verified my name, address and social security number and therefore determined that the account is mine. I am a victim of identity theft and my name, address and social security number have all been breached. This is an improper and malicious way to verify accounts after receiving valid police reports and documentation from me detailing the identity theft and crime. I also disputed the accounts with Experian, XXXX, and XXXX, all of which blocked the fraudulent account with my police report pursuant to the Fair Credit Reporting Act. XXXX  XXXX  was notified of the blocks and failed to comply with federal law as they then insisted on requesting the blocks be lifted and fraudulent accounts be restored to my credit. The credit bureaus are now saying I need to address the matter with XXXX XXXX directly and XXXX XXXX insists on the saying fraudulent account is mine because my name, address and social security number match. This has been an ongoing nightmare for over 6 months now and is causing me great harm as fraudulent items continue on o appear on my credit reports and XXXX XXXX is knowingly reporting erroneous and inaccurate information for their companys financial gain at the expense of victims of identity theft and in strict violation to 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
Consumer complaint received 2018-02-19
Company: Siggi LLC
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: Account information incorrect

Complaint:
This account shown charge off in my credit report and I sent them a validation. They sent me a letter stating what I owe but when I look at my credit report they are reporting 3x the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hi, in XX/XX/2017 I received a Quick Pay of {$400.00} by mistake on my Chase account. Days later Chase representatvies contact me to authorize the return of the funds to the original person.
After 5 minutes, i did authorize it however on XX/XX/2017 Chase withdraw twice the amount ( {$800.00} ) from my account. After I notice it I call them twice, after +1hr on each of these calls they have n't be able to return {$400.00} that were withdraw by mistake from my account.
I do n't know what 's going on, but I ca n't believe that it took me 5 minutes to authorize the return of the funds, and is been days trying to get the mistaken withdrawn funds to my account.
I do n't know what else to do, i open a customer service request, talk with different people and is been a waste of my time. The bank should be responsible and return the funds and then figure out where the money went. My name is XXXX XXXX thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-29
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Various accounts on my credit report have been showing inaccurate information. Thus causing very detrimental financial hardship by affecting my credit score and credibility. I have provided the bureau with account numbers and exact discrepancies within the account and have not received a probable resolution.

Company response to consumer: Closed with explanation