BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-01
Company: EQUIFAX, INC.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been a victim of identity theft my credit file is currently in the Office of Consumer Affairs as Equifax calls it I spoke with a gentleman today by the name of  XXXX  who refused to follow up on my identity theft disputes and I have sent them documentation well over 15 times credit file has split and he hung up on me and refused to assist me this is affecting my life. And Equifax Office of Consumer Affairs is a joke another way to make money off of using erroneous and incorrect information that reports to the file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Social Finance, Inc.
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have been unable to close my SoFi XXXX, Active Investing & Crypto Investing accounts because my Crypto Currency account has a {$.00} balance which is below the minimumSoFirequires initiate a trade. I entered an order to " Sell All '' my Crypto Currency balance on XX/XX/XXXX butSoFicompleted the transaction leaving my account with a {$.00} balance. I have requested thatSoFiclose my account on four separate occasions but they have not closed my account because of the miniscule balance. My most recent request to close the account was on XX/XX/XXXX. On a prior attempt to close my accountSoFireplied ; We are not able to close the XXXX account due to the small balance. Since this is below the minimum needed to sell ( {$10.00} ), we have to work on a solution. Sorry for the inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Experian Information Solutions Inc.
State: GA
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from 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 2018-07-05
Company: EQUIFAX, INC.
State: FL
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:
Good Morning I am submitting an Complaint that I have with Equifax, XXXX, and XXXX regarding XXXX  XXXX this company is reporting a 30 day late for XX/XX/XXXX, a 60 day late for XX/XX/XXXX, a 90 late for XX/XX/XXXX, a 120 day late for XX/XX/XXXX, 120 day late for XX/XX/XXXX, a 120 late for XX/XX/XXXX and another 30 day late for XX/XX/XXXX. I disputed with 609 letters for several months starting in XX/XX/XXXX, citing unverified lates reporting however it always came back as verified with the 3 bureaus. I suspect XXXX auto verification is being used because when the bureaus were responding it always came back with the same generic auto response of verified or meets FCRA. This is a violation of my rights because they were not doing their due dilligence investigating. Furthermore I asked for the method of verrification because there was no lates on my behalf. Please have them update all the lates on my credit report to positive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Good Morning I am submitting an Complaint that I have with XXXX, Transunion, and XXXX regarding XXXX XXXX this company is reporting a 30 day late for XX/XX/XXXX, a 60 day late for XX/XX/XXXX, a 90 late for XX/XX/XXXX, a 120 day late for XX/XX/XXXX, 120 day late for XX/XX/XXXX, a 120 late for XX/XX/XXXX and another 30 day late for XX/XX/XXXX. I disputed with 609 letters for several months starting in XX/XX/XXXX, citing unverified lates reporting however it always came back as verified with the 3 bureaus. I suspect XXXX auto verification is being used because when the bureaus were responding it always came back with the same generic auto response of verified or meets FCRA. This is a violation of my rights because they were not doing their due dilligence investigating. Furthermore I asked for the method of verrification because there was no lates on my behalf. Please have them update all the lates on my credit report to positive.

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 2018-03-06
Company: Experian Information Solutions Inc.
State: AL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX has about 3 different hard inquiries on my credit report, but they should be soft inquiries. Tried calling this company, and no one answers -- just leave you on the phone stating you can wait but they are extremely busy at the time.

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 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 having major issues with my name and addresses on my credit profile. My CORRECT NAME IS : XXXX XXXX XXXX please delete remove any other variations of my name. I have a few addresses that I never lived at on my credit file they are fraudulent addresses, please delete : XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX My current and only address is XXXX XXXX XXXX XXXX NC 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 2018-10-04
Company: Equitable Acceptance Corp
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been paying my federal student loans to a company I thought was helping me with student loan forgiveness. I was told if I made these XXXX monthly payments until the amount was paid, then my debt would be forgiven. I thought this was the same company as XXXX XXXX XXXX company, but when I called to confirm they said they never received my payments. I have been paying to the equit. service company since XX/XX/15 so over 3 years now. I spoke with a rep from XXXX XXXX and that's when she mentioned I was being scammed and that I needed to file a complaint to the state attorney and the federal government. This whole time, I thought I was paying towards my student loans and I was not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: EQUIFAX, INC.
State: MO
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:
Please remove the following accounts from my credit report, due to the fact that the accounts are not mines, I been XXXX  since 2001. The following accounts are XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Bonneville Billing and Collections
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Worked with billing processor for 3 + months to resolve balance. XXXX sent by check from XXXX  XXXX account which was not applied to correct account. Biller did not send claims to insurances based on coordination of benefits. Took all info into dental office to assist employee in billing claims properly. The {$1500.00} the insurance sent was received by dentist office but not applied to the correct account nor were the claims billed to primary, secondary and health savings account billed in the correct order based on insurance guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been a Wells Fargo customer for many years and the fees and charges they keep piling on Im questioning the legality of these actions. Ive fallen on hard times and normally live paycheck to paycheck and on occasion overdraft. Wells Fargo charged multiple overdraft and insufficient fees which hinder getting things back on track. They always authorize the overdraft seemingly to just brutally charge the consumer many many fees. I had good relations with the employees at the XXXX XXXX branch but this is higher than them. An investigation into this would be greatly appreciated. Please 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 monetary relief
Consumer complaint received 2018-03-06
Company: Rocket Mortgage, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was trying to get reviewed for a loan modification on an FHA loan with Quicken Loans. They were helpful at first, then stopped responding to me and moved to set a foreclosure date. In order to save my home I filed bankruptcy in federal court prior to the auction. However, Quicken Loans and law firm XXXX XXXX XXXX moved forward with the sale anyway in violation of federal law. I have since tried to get information and updates and to get the sale rescinded but have not been able to make any progress or contact with Quicken. 

My wife and I bought this home in XXXX with an FHA loan. We made our payments as agreed with no problems until our roof caved in a couple of years ago. At the time I was only working part time and it cost {$7000.00} to repair the roof ( it was an urgent repair ). Due to this fact I struggled and fell behind on the mortgage. Last year I reached out to Quicken to try and get reviewed for a modification or plan to help me catch up. I was approved for a small reduction to {$710.00} a month. We began making this payment, but then had a problem with my wife 's XXXX check and missed a payment. Since that time their agents have refused to work with us and refused to accept our payment. We were immediately pushed into foreclosure and a sale date was set for XX/XX/XXXX. I filed bankruptcy prior to the sale and under federal law the property should be protected from foreclosure. Then I was contacted by XXXX XXXX XXXX XXXX XXXX and was told that my home had been sold. 

I believe that Quicken Loans with the help of XXXXXXXX XXXX XXXXXXXX has not followed HUD and FHA guidelines and denied access to programs such as loan modification, partial claim, special forbearance as well as repayment plan options. Also, they were required to send out Occupied Conveyance paperwork prior to conducting any type of foreclosure action and this information was never received. 

We are trying to get an update on the status of our home from Quicken Loans. I was under federal bankruptcy protection when they allegedly conducted the foreclosure sale and they are required under federal law to rescind the sale. I have not gotten any updated information from them so I am not sure of my current status. I want Quicken to work with me and put us into one of the government plans available so that we can save our home and resume making payments. I am hopeful that your organization can get involved and get to the bottom of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Mary Jane M. Elliott, P.C. Attorneys At Law
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Im reaching out to the collection agency that I suppose to owe {$1000.00} to for a XXXX XXXX XXXX from college. However, Im being told to called the office in a week because the attorneys have to review it before giving me my information. 

I dont have weeks to continue waiting. Im in the process of closing a mortgage Loan with XXXX XXXXXXXX XXXX XXXX and the underwriter needs proof of this debt ASAP, but The Law Office of Mary Jane Elliott will not assist me. After  several attempts. 

And it has damaged my credit score/report. Somehow it recently popped up on my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

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 2018-03-06
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XX/XX/2018, California Business Bureau received my certified letters ( 4 ) requesting them to validate the debt being reported on XXXX under my social security number per the Fair Debt Collection Practices Act. In turn, the receptionist at the front desk of my job told me their were papers left for me at her desk. It was a summons I was being sued by California Business Bureau. They failed to provide any contract bearing my signature to validate the debt they were looking to collect or exactly what medical services they were collecting for. I have no idea who these people are. I pulled a new credit report on XX/XX/2018 and they failed to communicate to XXXX credit bureau the debt had been disputed within the 30 day time period. A direct violation of FDCPA Section 807 ( 8 ). They also did not validate and provide any proof or contract bearing my signature I owe them anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We refinanced a mortgage through Bank of America to get my ex-husband off the mortgage and put my new husband on the new mortgage. The old mortgage had a loan modification processed by Bank of America and guaranteed through HUD. Before we went ahead with the loan refinance, we asked if the loan modification would be an issue. We were reassured that it would n't be. The refinance was completed in XX/XX/XXXX. On XX/XX/XXXX, we received a letter from HUD stating that BOA never sent payment for the loan modification and there was an outstanding balance of {$80000.00} due immediately. BOA claims they did n't find the subordinate lien ( even though it was done through their institution ) and therefore it was not their fault it was not paid. We are now unable to pay this debt. We are in danger of losing our house because of BOA 's fraudulent practices.

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 2017-08-01
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX, 2017, I inquired online to get interest rates and yields for 5 ( 12-60 months ) staggered American Express Certificate of Deposits. They asked me to log into my Personal Savings Account with them, and select CDs ( 12-month, 24-month, etc. ) that I wanted to learn about, prompting me several times to select the button " Next '', without giving me the information I was seeking. I got tired  and suspicious and, so, I closed my login and the web-browser. Later, I went to their competitor, XXXX XXXX website. Their interest rates and yields were clearly and transparently displayed on their website, and considerably higher than those of American Express Bank and, so, I opened an account with them, selected CDs, and for funding I referred them to my Personal Savings account with American Express. They deposited nominal ( small ) amounts into my account, and asked me to log into my account, and report back to verify. When I logged back into my American Express savings account, I was horrified that they had already withdrawn the entire amount for five CDs from my account. I instantly called their customer service operator and supervisor who told me that it was a " done deal '', I had " bought '' those CDs, and I could pay pre-mature interest penalty and cancel this " sale '' but, otherwise, there was nothing they could do. I wrote a US Certified mail complaint of deceptive " sale '' by the bank ( with copies to Federal and State authorities, and FINRA ), and called back again when I was told that the account was locked by Banking Operations and that someone will get back to me within 7-10 days, but no one did. I wrote another letter, a few days later, when I received a pro forma reply essentially stating the above rule that I could cash these CDs, i.e., rescind this " sale '' after paying a pre-mature interest penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: EQUIFAX, INC.
State: NJ
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX # # # # # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX # # # # # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-10-05
Company: SUNRISE CREDIT SERVICES, INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have not received any information on this account before it was reported on my credit report XXXX Notice for validation. This debt was put on my credit report without notice and i want to validate that the debt with a itemized bill to confirm amouts owed and all payment history for the account

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