BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-25
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: Their investigation did not fix an error on your report

Complaint:
There was a credit card opened in my name through XXXX XXXX XXXX XXXX, I did not authorize anyone to do this. I have had several accounts with fraudulent use on them and have since corrected them. I have reported to all credit bureaus to remove this account from my credit report. Equifax is the only one that will not budge. On top of that I have received two credit reports that are still reporting this account and have conflicting information on them and it is killing my credit report. One version of the credit report said the card was open XX/XX/XXXX and the last payment was made XXXX/XXXX/XXXX. The other credit report says it was opened XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Freedom Mortgage Company
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a existing VA loan with this company. Since the original loan, which my husband the vet was a part of, my husband passed. I applied for an IRRRL loan on XX/XX/XXXX. The company keeps putting my name down as the vet. I was sent a generic denial of credit statement on XX/XX/XXXX. When I called Freedom Mortgage I was informed the VA denied the refinance. I called the VA and was told the Mortgage company had submitted the incorrect form. I am not listed as the surviving spouse in their database. I would need to be the surviving spouse in the event of a new mortgage but with the IRRRL I still qualified. The mortgage company should list my husband as the vet and not me. I called the Mortgage company back and the loan advisor started a new loan on XX/XX/XXXX. I have had to submit countless copies of the same forms over an over. Every time I called, a new form request popped up into my email. I have worked with over 10 people including multiple customer advocates and an escalation group to try to resolve this. Today I again received a request for the surviving spouse form. When I spoke to the VA in XXXX they stated a special certification was needed to administer VA loans and I should talk to a manager. I have tried again and again to escalate this issue within Freedom Mortgage. The people who seem to listen add a note to the file, but still the same results. No one is either looking at the notes or cares.

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 2020-11-28
Company: EQUIFAX, 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:
On XX/XX/2020 I sent Dispute letters for those inaccurate and unknown accounts on my Credit Report but it's over 30 Days today I haven't received any response. I was a victim of Equifax Data Breach. I demand to Remove ASAP those accounts or I will file a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Convergent Resources, Inc.
State: IN
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:
This account was paid and was never deleted from 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
Consumer complaint received 2019-02-25
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I realized there was multiple purchase totaling in the amount of {$1700.00} ( {$370.00}, {$240.00}, {$190.00}, {$440.00} & & {$440.00} ) on XX/XX/XXXX in XXXX XXXX, PA. I never been in the state and I was worried since the amount of fraud charges were summing up to unbearably large. 
I've reported to XXXX XXXX credit card & they promised to dispute the amount. The amount still remains the same under the account ending with XXXX even after the 2 months had passed. 
Called again in XX/XX/XXXX & spoke with XXXX, Employee ID # XXXX from the Fraud Department, T. XXXX claims that I shouldn't worry about the balance still remains under the account ending with XXXX & it will take another 30 days for them to resolve an dispute. My Fraud case # XXXX, I'm very concern what will happen to my the balance that I am not responsible of & worry sick if these charges will effect any of my credit report because I seen the same exact balance on my credit report which XXXX XXXX claim that would never happen. Please help to resolve an dispute issue that I'm having.

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 2019-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Capital One states regarding XXXX payment it is 45 days past due until today ; Ive made a payment XX/XX/XXXX for XXXX dollars also a payment on XX/XX/XXXX for XXXX dollars creditors give a grace period before reporting late payments to the credit bureaus capital one is pulling this tactic of putting a late payment on my credit score to intimidate and enforce larger payments ; I was told by capital one if I dont satisfy the minimum amount due every month late payments will continue to be reported to the credit bureaus every month

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
To Whom It May Concern I ahve received a letter from Wells Fargo informing me that as of XX/XX/2019 : : The servicing of your mortgage is being transferred to XXXX XXXX XXXX XXXX without my conc ern, due process or input.I do not kow anything about this company and no information has been made available by the transferring entity, Wells Fargo Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia

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 2019-02-25
Company: ACS Education Services
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hello, My student loans were purchased by the loaner servicer called ACS Education Services, then soon after they changed their name to Conduent. I have been trying repeatedly to make my loan payment but their website says it it temporarily unavailable and has been like this for a week and their phone number is out of service. I have never missed a payment or been late in almost 17 years. Now I can not make my payment because I can not get in touch with the ACS/Conduent company that is supposed to be my loan servicer. Online there are thousands of people with this same problem. Please help resolve this situation before my and many other peoples credit scores are damaged through the incompetence of this company. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report twice and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX - balance is showing as {$1400.00}, dates open XX/XX/XXXX closed XX/XX/XXXX. 

XXXX XXXX ( aka XXXX XXXX ) - balance is showing as {$480.00}, XXXX XX/XX/XXXX, opened XX/XX/XXXX XX/XX/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 2020-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : OPENED XX/XX/XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX opened XXXX {$250.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
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:
XXXX XXXX XXXX IS REPORTING A FRAUD ACCT ON MY CREDIT REPORT. THE ACCOUNT WAS WITH A PREVIOUS COLLECTION AGENCY AND WAS REMOVED BECAUSE OF FRAUD AND NOW XXXX HAS TRANSFERRED IT TO ANOTHER COLLECTION COMPANY. 

I WOULD ALSO REQUEST THAT XXXX, EXQUIFAX AND XXXX UPDATE MY NEW PHONE NUMBERS ON MY CREDIT REPORT TO XXXX, HOME XXXX AND XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-29
Company: Credit Plus 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: Account status incorrect

Complaint:
22 hard inquires on my credit report, i did not look for these multiple online inquires. 
all these are too much on my credit report. also i only have one open account it is showing multiple open accounts and i have paid everything in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
About the Equifax breach, I logged on to their website to start a Credit freeze and filled out the online information they wanted and received a message when I hit the submit button that my file could not be found! I believe they have deliberately made it impossible to file a credit freeze. How could my Credit report information not be there and available? I have tried for 3 years through Equifax to correct my report with no response or action from them of any kind. I have sent them the requested information through the mail three times attempting to get my report fixed and they never made any acknowledgement they received it and they never made the corrections even with the proof I included they asked for. All Credit Reports should forever be eliminated so this can never happen again and Equifax should be required to immediately initiate a credit freeze on all individuals whose information was leaked not only with their company but they should be forced to freeze all credit reports with all companies and pay for the freeze costs immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, ( Original Creditor : ), XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-02-25
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Synchrony Bank has corresponded with me through mail that my XXXX account is a result of id theft. Yet it is still on my credit report and they are continuously sending me small refund checks for this XXXX account. I want this debt removed from all of my credit reports immediately

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 2019-02-25
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I purchased furniture from XXXX XXXX  in 2016 and was made to understand i was getting an interest free loan from XXXX for 24 months. I was told it was a promo to encourage customers to purchase furniture. I signed up to this loan and the lender was synchrony bank. To my surprise i recently discovered when i wanted to pay off the loan that it was a 12 months promo and that most of my last years monthly payment went to interest. I want you to kindly investigate this. I am happy to pay off the loan today, but i want a fair closing amount. I owe XXXX presently on a XXXX principal, that i have paid over {$4000.00} on over the years. Please kindly assist

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 2019-02-25
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX has stolen my XXXX check out of my wells fargo account for 3 months now and due to this I'm now 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 2019-02-25
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Good morning, I have tried to work with Chase since XX/XX/XXXX to sell my home. The process has been a nightmare. I listed my home inXX/XX/XXXX and finally got an offer in XXXX for $ XXXX. We sent this information into Chase. Chase never sent anyone to do an interior bpo to see the property and relied on an exterior value of $ XXXX. They of course instead of doing their due diligence, just countered the buyer at the unrealistic value. The buyer walked of course in XXXX. I had to relist the home again. This time we got an offer inXX/XX/XXXXand once again sent it into Chase with the request to do an interior valuation as this offer was {$100000.00}. Once again Chase relied on the {$170000.00} valuation, so my agent sent in a dispute package XX/XX/XXXX. Chase shut down my file. We had to escalate the file and reopen my case with Chase and push to get a new valuation. Chase finally consented and a value of $ XXXX came in. We asked to review it. It was bogus. Completely inaccurate not accounting for ANY repairs on the property. On XX/XX/XXXX XXXX XXXX from the executive office sent a message to loss mitigation to re-review and open my case. On XX/XX/XXXX XXXX said they were reviewing appraisal and we needed a certified bid from contractor which we sent in on XX/XX/XXXX, but Chase refused to open the file and cancel the auction slated. I filed bankruptcy. My buyer has been patient and said they would wait until the bankruptcy was finalized. We resent in my file with request for Chase to do a NEW interior valuation and take into account the repairs necessary on my property this year. This has been a long and tough road. Everything was into Chase at the beginning of this year and now they are refusing to review the file. My buyer has patiently waited for Chase to do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I sold a working rare XXXX XXXX XXXX XXXX game on XXXX to the scammer XXXX XXXX WITH PAYPAL for the amount of {$200.00} he got the package on XX/XX/2021 and said nothing until XX/XX/2021 that is 24 days later. He then made the false claim that I sent him a broken disc and he was 100 % sure that the disc was broken because of the scratches on the disc. On the listing page I disclosed that the disc had scratches. I then told XXXX that the XXXX XXXX  is almost 30 years old and the drives are failing left and right and provided him links of other people having issues to show this fact. XXXX still insisted that I sent him a broken disc. I then asked XXXX to put the disc in his cd drive to verify that the disc was broken and not his XXXX. XXXX then said the following if I tried what you recommended but unfortunately I can't try that because I am an XXXX  user and my current device does not incorporate a CD/DVD drive. He then declined my partial refund offer and made a case with XXXX on XX/XX/2021 Where XXXX then sided with his false claim that the disc was sent broken. They XXXX  then forced me to accept the return by providing XXXX with a return label with out my approval. Then on Monday XX/XX/2021 the disc arrived at my house and I filmed me oping the package up and putting the cd into my disc drive and using software to analyze the disc to see if XXXX was telling the truth or not The software was able to show 0 read errors and was able to dump the disc. THIS MEANS THAT XXXX XXXX LIED TO ME AND XXXX TO GET A REFUND WHEN MY POLICY IS NOT TO ACCEPT REFUNDS AND FALSELY CLAIMED THAT THE DISC WAS BROKEN WHEN IT WAS NOT!. PAYPAL AND XXXX THEN SIDED WITH XXXX AND STOLE {$190.00} FOR RETURN FRAUD. I THEN CONTACTED BOOTH XXXX AND PAYPAL AND TOLD THEM THAT I HAVE BEEN SCAMMED AND I WANT MY {$190.00} BACK THEY STILL SIDED WITH XXXX THE SCAMMER DESPITE ME HAVING EVIDENCE THAT THEY NEVER ASKED FOR AND GOT. IN FACT THEY LIED TO ME AND SAID I WOULD GET AN EMAIL TO PROVIDE THE EVIDENCE TO PROVE THAT THIS IS RETURN FRAUD. I THEN GOT AN EMAIL FROM XXXX DATED XX/XX/2021 SAYING THAT I LOST THE CASE AND XXXX WILL GET THE STOLEN MONEY AND THAT MY APPEAL WAS REJECTED DESPITE ME NOT BEING ABLE TO GIVE XXXX OR PAYPAL EVIDENCE. THIS CASE WAS REPORTED TO THE FBI THE CONNECTICUT ATTORNEY GENERAL AND THE FEDERAL TRADE COMMISSION FOR FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Continental Finance Company, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
these are calls that were made to a XXXX XXXX. XXXX XXXX has told them they have the wrong number, and blocked their calls and texts yet they continue to switch numbers to bypass the blocks.

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 2021-04-07
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 belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$2100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
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 acquire my credit report and asked the credit bureaus to check and make sure everything was complete and according to 15 usc 168i5 I waited 30 days and received my investigation and notice was still the same. the consumer reporting agencies which is XXXX, experian and XXXX did not modify or removed anything late payments are not correct please i would like you to remove the late payments which is a violation. this is impacting me from moving forward to buying a house for my family i attach my previous credit report and my new credit report to show how experian violated my rights the date open is no correct.date las active is not correct on all three credit reports, date last payment is not correct on three credit reports

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