BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2022-08-26
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have noticed that XXXX XXXX  have placed an inquiry on my EXPERIAN credit file dated XX/XX/2022. On multiple occasions I requested XXXX XXXX and EXPERIAN to verify these inquiries. They have yet to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage servicer does not cooperate with extending an additional six months of forebearance on my mortgage! already on covid 19 forebearance for 18mos. and still struggling to pay my mortgage.i am a XXXX person on social security.have tried many times to ask for additional extention and reps keep denying.under fha regulations people who still need an extention should be granted an additional extention beyond the 18 months if still struggling with mortgage payment! servicer does not want to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
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: Account status incorrect

Complaint:
I have called to have information to be removed that is inaccurate. I have called to have information to be removed that is inaccurate on my report and XXXX XXXX XXXX said they couldn't even find the account. 

This particular one is 6 years old.The account is with XXXX  XXXX XXXX- and they have been reporting it to the credit bureau Equifax as if it were open. 

The account it closed - They are saying the account is passed due and this is incorrect as this account has been closed for 6 years. 

Equifax reported it on XX/XX/2021 as Pays Account as Agreed with 90 day past due. 

How can I still be 90 days past due when the account says pays as agreed?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: WELLS FARGO & COMPANY
State: GA
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:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a Huntington business banking account on XX/XX/XXXX depositing {$16000.00} check which Huntington Bank chose to fortunately remove funds from my account on the public side and leave it there on a private side for them to collect interest on which I am a secured party and have a UCC lien in place also a fee schedule which Huntington Bank must pay fees for violations to my trade information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: AMCOL Systems, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company has sent collection notices, called and harassed me this past Wednesday ( the same day we were BURYING my grandmother who just died the previous XXXX ). They are falsely trying to collect on a debt not even 'owed ' at all to the XXXX XXXX service ( whom will not even schedule a package pick-up at all, until the postage/handling fees are already paid to them online ( prepaid ) first ; In excess of over {$250.00}. This company needs reported for their activities and extortion attempts. I only pay the ORIGINAL creditor ( s ) and I pay them 'directly '. It will NOT reflect on your credit positively, otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Negative impact of inaccurate appraisal

Complaint:
Explanation of complaint : Prior to the trial held in XX/XX/, the XXXX XXXX permanently modified the home loan with Chase bank. She falsely certified in section Dof page 1 of the loan agreement that there was n on going litigation concerning the home. I XXXX XXXX claim that this certification was untrue, as they were amidst divorce litigation and a pending trial at that time. Furthermore, the XXXX XXXX omitted disclosing the pending litigation related to the home. The court had not authorized this loan modification. 

I believe it is imperative to investigate the motivation behind the XXXX XXXX decision not to disclose the loan modification during the trial. This omission is especially puzzling given the legal requirement for full disclosure and transparency in court. 
Potential Federal and State Law Violations : XXXX Federal Law : The Respondent 's actions may potentially violate federal statutes, such as 18 U.S. Code 1014, which makes it a crime to knowingly make false statements or reports for the purpose of influencing the actions of a financial institution. 
I contend that the XXXX XXXX XXXX false certification in the loan agreement to Chase bank and her failure to disclose the ongoing litigation may constitute potential violations of both federal and state laws. 
XXXX XXXX v. XXXX XXXX XXXX XXXX : XXXX 3. Washington State Law : Under Washington State statutes, the Respondent 's conduct may be in violation of laws such as RCW 9A.60.070 ( False Statement to Obtain Credit ) and RCW 9A.60.075 ( False Verification of Financial Statements ), which pertain to knowingly making false statements to obtain credit or providing false information in financial statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: AES/PHEAA
State: OR
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:
The XXXX XXXX XXXX was where all my loans went thru. The first part was while i was attending the local XXXX college, XXXX XXXX College, then I transfer to a 4 yr school to complete my degree programs. 
Even though the next set of loans at the 2nd school, XXXX XXXX University, involved new loan paperwork, which included a new home address, email, etc. This info for whatever reason did not update across all the acounts. And since they like to make each term, 3 per year, be its own account, they are saying it was my problem for not updating all the contact information for each and every account. 
Yet, they had the new information to send me info, and even worse, the address they did have was my grandmothers address, and nothing ever got sent their either. 
It reached the point of being 6 months past due, by the time i just happened to be looking into getting a home loan, and when i went to look at my credit report, it had been tanked by 13 accounts thru XXXX XXXX XXXX, each stating 6 months late. 
For an account that's supposed to have payments due, and reach 6 months past due, they never looked at the account closer for contact info, and when we called them directly, they even said that both sets of addresses were in the system, and the different email addresses, phone numbers, etc. So why couldn't they send anything.. and like i said again, the old address in their system, never received anything at that residence either, and my grandmother has been living there since 1996. 
I sent multiple letters attempting to explain everything to the creditor, XXXX XXXX, as well as all the credit bureaus. Response has been that nothing gets fixed. And the best the school did to fix the immediate problem of an account showing past due, was to make a retro active forbearance, and back date, or whatever they call it to fix the problem.. 
But, that doesn't help my credit report where the only bad thing on my report is this set of 13 accounts, all showing several months past due, and now, best they show is current because of the retroactive forbearance. This has prevented me from obtaining financing the purchase a home, as well as prevented me from being able to even rent an apartment for myself, my XXXX husband, and XXXX  kids. You would think this would be an easy fix, but apparently not, and they wont budge. 
I have been told i have grounds for legal action against them for this matter, and the financial/mental hardship it has caused us. Not to mention, a potential lawsuit against the fact that they get to report so many different accounts, but yet i only signed 1 loan agreement per year, so how its allowed to turn into 3 seperate loans is sketchy..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Experian Information Solutions Inc.
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a Consumer 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 2018-06-25
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:
According to the Fair Credit Reporting Act, Equifax are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I took out a Comenity ( Arhaus ) Credit Card in XXXX. I have been paying above the maximum since that time. My current balance is {$2600.00} but my credit report is showing that it is {$3300.00} because Comenity has failed in its duty to report to the credit bureaus since XXXX. This is having a SIGNIFICANT impact on my credit score because it is a single card utilization of 95 %. 

When I called Comenity yesterday ( XX/XX/22 ) they said that one month it was not reported because their system was down. They could not give me a reason why it was not reported in other months. Furthermore, they failed to notify their customers of this. 

Comenity has failed at every level here. Their mistake will cost me thousands of dollars as I have to make a large purchase and their failure will not be rectified by then. This is completely unacceptable and is affecting many of their customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: EQUIFAX, 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 filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by the 3 Credit Bureaus. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information is different from the 3 Credit Bureaus. Therefore, the XXXX, XXXX, and XXXX have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account in question : BK OF AMER XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}

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 2021-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion LLC at XXXX XXXX XXXX, PA XXXX I sent letters to this company XX/XX/2021 to verify that what is reported on my credit report is accurate. They have not provided me with any proof of verification and are still reporting inaccurate data on my credit report. 

1. XXXX XXXX The date of the last activity is different on every bureau report, the collection account is being reported as an open account, and XXXX is still reporting positive payments. 

2.XXXX  XXXX date of last activity is different on each bureau, XXXX is reporting on time payments, each bureau is reporting a different high credit amount.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: Consumer Adjustment Company Incorporated
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Complaint : The collection company failed to communicate this debt to me either by mail or phone call. I have NOT RECEIVED any documentation from this collection company regarding this debt. The company went forward with placing this debt on all 3 credit reports. I have disputed this information because I've been a victim of identity theft and have placed fraud alerts on my credit reports. 

Collection company information as it appears on XXXX credit report : CONSUMER ADJ CO Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone : XXXX Account : XXXX Amount Owed : {$920.00} Date Opened?? : XX/XX/2021 ( I'm assuming this is the date it appeared on the credit report ) I have filed disputes with all 3 credit reports. XXXX responded first stating the debt remains on my report. However, I do not owe Consumer ADJ Co. this debt because I have not received any communication from this collection company about this debt. 

File # from XXXXXXXX XXXX investigation : Report Created On : XX/XX/2021 File Identification Number : XXXX Provided by XXXX Consumer Relations

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
i have been making payments on my account with the maximum allowable amount. Capital One keep on holding funds even though it has been debited on my checking accounts from XXXX and XXXX. 
I don't understand why the hassle of having to call my bank to verify things. 
they always release it before why the hassles on my payments? 
it is like I am begging for my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: EQUIFAX, INC.
State: OK
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:
XX/XX/XXXX-Mailed a dispute in regards to a collection for XXXX XXXX on my Equifax credit report. 
XXXX-Written dispute received by Equifax and signed for baby a XXXX XXXX. 
XX/XX/XXXX- I had not received notification from Equifax in regards to my dispute. 
XXXX-Called Equifax in regards to the dispute was informed that the results had been submitted to the online dispute portal on XX/XX/. I requested the results be mailed because the results were no longer available online and I also asked why were results of the dispute sent to the online portal since I mailed my dispute to Equifax however Was never given a response but was told I receive the results via mail in 7-10 days. 
XXXX-I still had not received by dispute results so I called Equifax again and was told again that I would be receiving the results via mail in 7-10 days. 
XXXX-I have NOT received the results of my dispute and I don't use the online portal because I've had technical difficulties with the online portal that Equifax has not resolved so I've not used the online portal for any dispute process in nearly a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Our truck loan was originally with Suntrust. Truist took over the account in 2020 sometime. We have had nothing but issues with this company pulling out 2 payments during auto pay and when trying to get them to reverse 1 so I can have the money to pay my other bills on time- we continue to have issues. They either want me to call my bank to put in a stop pay AT MY COST. We did this the first time, as requested- to only have not the bank stop pay but they also reversed a payment - causing now no payment at all.

We expressed our concerns and now here we are again. They will not refund me immediatly and want me to wait on a check in the mail for 10 business days. I do not have extra funds to cover XXXX worth of other bills- now causing me to be late on those with added interest. 

Truist wants to take your money ( twice ) but then you are the one holding the bag in the end when you can not pay your bills. Our mortgage was sold to this company and we have the EXACT same issues. We ended up paying off the mortgage to avoid same problems with taking XXXX XXXXXXXX out twice. We took out a loan to pay off mortgage to avoid them at all cost. This is a scam and most folks are not this in tune with their accounts. I can not believe in these days a company can get away with this with most folks on limited incomes and working paycheck to paycheck.

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 2019-12-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Weve tried to get loan modification but was denied. We need loan arrears put on back end of loan with current interest rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation