BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
While checking my credit report, I notice an account from XXXX XXXX that I believe is not being reported correctly on my credit report. XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

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 2019-10-03
Company: EQUIFAX, INC.
State: NY
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-02
Company: Navient Solutions, LLC.
State: MS
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 a large student loan debt with Navient ( formerly XXXX XXXX ) due to going to medical school. I understand having to pay interest on all loans, however, I do not understand how over the last six years since being done with residency, I have paid a total of {$180000.00}, {$150000.00} of which has gone to interest and only {$32000.00} toward principal. 
Over these last six years the yearly amount of principal paid is as follows : XX/XX/XXXX : {$6400.00} XX/XX/XXXX : {$860.00} ( yes, this is correct ; less than one thousand dollars ) XX/XX/XXXX : {$6100.00} XX/XX/XXXX : {$7300.00} XX/XX/XXXX : {$2600.00} XX/XX/XXXX : {$9200.00} I 'm happy to include any documents needed. 

Having this large debt persist has prevented me from being able to purchase a home and, hence, I have been losing money in rent. 

In XX/XX/XXXX, I wrecked/totaled my vehicle and had difficulty getting approval for a new one.

I 'm desperate for help in this matter and the idea/hope for some form of resolution to this. 

Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX am opting out of you sharing my personal information.

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 2019-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
data breach we would like the company to check into with capital one and XXXX  caused FTC or fcra violation not know to us to the best of our knowledge XXXX repo 4 debt collection doing unfair trade practice collection on a debt not owed to them all violation of the fcra

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
TransUnion has two addresses on my credit report that have never been mine. 
XXXX XXXX XXXX XXXX XXXX MO XXXX and XXXX XXXX XXXX XXXX   XXXX MO XXXX. I have never lived or owned either of these addresses. They are also showing two accounts that were 30 days late in the past. Both of these accounts were paid through auto bank draft before they were ever late. XXXX XXXX**** is showing a 30 day late in XX/XX/XXXX and XXXX/XXXX is showing a 30 day late in XX/XX/XXXX. I have tried to resolve with letters but they are still reporting incorrect.

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 2022-01-08
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
( Credit Bureau systems ) at ( XXXX XXXX XXXXXXXX XXXX, Ky XXXX ) opened account XX/XX/2020 has been sending me collection notices in the amount of ( XXXX ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: Experian Information Solutions 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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THESE ARE ACCOUNTS THAT I DID NOT AUTHORIZE AND I HAD NO IDEA THAT SOMEONE HAD ACCESS TO MY PERSONAL INFORMATION. I AM IN DISTRESSED BECAUSE THESE DEROGATORY ACCOUNTS HAVE CAUSED DAMAGE TO MY FILE AND HAVE PREVENTED ME FROM ATTEMPTING NEW CREDIT. PLEASE LOOK INTO THIS MATTER AND HAVE THOSE INACCURATELY PLACED ACCOUNTS OFF MY CREDIT FILE.

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 2021-09-17
Company: Square Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Cash App advertised on its XXXX app that if I had my work direct deposit sent to my account with Cash App, that they would give me a {$50.00} credit on my next transaction of {$50.00} or more. I satisfied those terms and made a purchase at XXXX. The transaction was canceled and I was refunded the amount minus the {$50.00} credit. That is fine, but now Cash App wont re-enable the credit for a future transaction, so effectively I was taken advantage of by having funds sent to Cash App and at when the opportunity arose, they kept the promotional credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: U.S. BANCORP
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 information incorrect

Complaint:
EQUIFAX IS SHOWING A BALANCE OWING TO XXXX XXXX WHICH HAS BEEN PAID AND HAS A XXXX BALANCE FOR OVER A YEAR NOW. I HAVE DISPUTED IT WITH EQUIFAX BUT THEY HAVE NOT CORRECTED IT. I DO NOT KNOW IF IT IS EQUIFAX OR XXXX XXXX WHO IS REPORTING IT. THE BALANCE HAS BEEN PAID. YOU WILL SEE ON THE THREE IN ONE REPORT THAT EACH OF THE OTHER BUREAUS REPORT THE XXXX BALANCE BUT EQUIFAX DOES NOT.

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 2017-07-14
Company: London & London
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX gave an account to London and London and they sued me and sent the information to my job by court orders and they are ganishing my account after me disputing this years ago, I was not notify it went straight to my employer for wages garnish

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am telling you my hand on the bible that this is information will not be blocked in error. My FTC report and affidavit of truth attached are proof that nothing I have stated is false. As your Bureau is here to protect my consumer 's rights I am requesting that you force these corporations to remove ALL negative remarks on my consumers file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. If you believe that I've obtained possession of goods, services, or money as a result of information to be blocked, have your executive member or the company put it in an affidavit of truth notarized. Thanks for your cooperation in this matter. I am XXXX XXXX and I am submitting this complaint MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX, I submitted a mobile deposit of {$50.00} for a check into my checking account with Wells Fargo. Then on XX/XX/XXXX, I received an email notice from my bank that the check had been returned and they charged me a " return check fee '' of {$12.00}. Then on XX/XX/XXXX I took the check to the bank it was originated ( XXXX XXXX ) and they cashed the same exact check for {$50.00} ( plus a fee of {$2.00} since I was not a customer ). I attempted to reach out to Wells Fargo and they initially refunded {$9.00} of the fee they charged me and then after speaking with a supervisor they refunded the other {$3.00}. They Refused to reimburse me the {$2.00} fee that Regions charged me for cashing the check since it was a Third party fee. I have Three areas of complaint against Wells Fargo Bank. 1 ) They refused to cash a legitimate check from XXXX XXXX, 2 ) They charged me a fraudulent " return check fee '' when the check was valid ( since I was able to cash the same exact check at XXXX XXXX, and 3 ) The refused to reimburse me the {$2.00} fee that I had to pay to cash the check at XXXX XXXX since Wells Fargo denied the deposit.

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 2019-07-31
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:
I wrote to Equifax on more than one occasion Re : Account numbers : XXXX reported 4 times on my credit report XXXX reported 2 times XXXX reported once These accounts are reporting on my credit report all these times without even a name or a Creditor and reporting as Collections on my credit report. I have been sending letters to Equifax to remove these incomplete and illegal negatives from my credit report since XX/XX/2019 and I have not received a favorable response from them or seen any improvement on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Navient Solutions, LLC.
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 information incorrect

Complaint:
Hello, My name is XXXX and I'm experiencing issues with Navient Student Loans reporting late payments to the credit bureau. Below is the sequential events that caused my account to be considered delinquent. 

1. I was approved for forbearance from XX/XX/XXXX - XX/XX/XXXX. My first payment was due on XX/XX/XXXX. 
2. On XX/XX/XXXX I was rear ended in a car crash and taken to the ER. I remained in the hospital for 5 days but wasn't released back to work. 
3. Due to being out of work for my accident, I was required to apply for FMLA/XXXX XXXX XXXX. As a result of being out of work, my time was not entered into XXXX and I wasn't paid resulting in the XX/XX/XXXX payment to reject. 
4. I received a letter on XX/XX/XXXX advising that my loans are at least 10 days past due but I still had time to make a payment to keep my delinquency from being reported to the credit Bureau. The document provided a breakdown of the amount owed and displayed an amount for 2 months ( 2 missed payments ) 5. On XX/XX/XXXX I made a full months payment that posted on XX/XX/XXXX ( 2 days prior to my due date ) which according to the delinquency letter should have removed 30 days ( 1 cycle ) from the total days my account was considered late. 
6. On XX/XX/XXXX I made another {$1.00} payment to enroll back into retroactive forbearance that was applied from XX/XX/XXXX - XX/XX/XXXX. 
7. On XX/XX/XXXX I received a confirmation letter confirming my forbearance was approved and specifically under the credit reporting heading, the document reads " If your loans were delinquent and your loans have been reported to the credit reporting agency, information reported BEFORE the loan was processed will not be removed '' 8. On XX/XX/XXXX I received an alert from my credit monitoring service that my Navient Loans were reprted between 90 days late for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX even though my forbearance was processed 3 days prior to being reported as late to the credit agencies. 
9. Today I received a new alert showing that XX/XX/XXXX 's late payments were removed but now XX/XX/XXXX is now showing as 120 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX PHH Mortgage Services XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX, 2018 Regarding : Loan Number XXXX Dear CFPB, The mortgage escrow statement is missing the subject property address. I believe mortgage servicing laws require all mortgage statements have the property address associated with the loan on the statement. 

I received a mortgage escrow statement accompanied by a large check. I called the mortgage company PHH to see if they missed one of my insurance renewal payments. Some of my properties have more than one insurance policy. After three ten minute holds a consumer service rep verified my information. She verified my full name, mailing address, loan number and social security number but then would not verify the property address associated with the loan number and mortgage escrow statement I had received and was calling about. I explained I have more than one loan with PHH and I did not know which property this statement was concerning. Without knowing what property we are talking about we could not have an intelligent conversation about any propertys insurance renewal payments. 

I asked to speak with a supervisor and was told no one was available. I was told a supervisor would call me back within 24 hours. No one has ever called me back. The statement shows last years insurance was {$1300.00} and this year they only expect to pay {$590.00}, you would think that would raise concern. 

So now I am in a position where I do not know if the insurance on one of my properties will be renewed. I will only be able to find out after the policy has lapsed and my insurance company sends me a notice of non-renewal for lack of payment. PHH will possibly leave me in a position of great loss if my property is uninsured. The idea they will not tell me which property they missed the insurance renewal payment on is nothing short of negligence. 

I look forward to your assistance with this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 I tried to make a deposit on an ATM machine, and the machine stopped working without returning me the money neither depositing on the account. 
The machine just printed a receipt saying the ATM stopped working, I called Citibank to open a case and the told me I have to wait 5-10 business days to credit me the money on the account. It wasnt nu fault what happened and Ive been trying to call customer service to accelerate the process. Today I called and they said that they investigated and there wasnt any discrepancies on the ATM machines. So now I have to or lose my money or open a new case and wait 10 more business days. The amount was for {$700.00}. I feel frustrated and discriminated, my rights are been violatef

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 2021-03-10
Company: National Credit Adjusters, LLC
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: Account information incorrect

Complaint:
I have a account in collections from National credit adjusters. On my XXXX and XXXX credit report. I have no ties to this company never made a verbal agreement or sign anything from them ask to validate never provided any proof. Also shows the account went into delinquency XXXX but it says that I open this account in XXXX. I would like this collection removed from my credit report since they failed to provide proof this is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Self Financial Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I first obtained this credit card in XX/XX/XXXX, I've never been late on any payments and currently hold a XXXX XXXX balance. 

In XX/XX/XXXX, I pulled my XXXX credit report and it showed 1 late payment for XX/XX/XXXX. That is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This Bank of America credit card account was opened by my ex wife nearly 2 years BEFORE we were married. In our divorce decree, she agreed to take responsibility for the account because it was solely hers. I never had access to the account, nor did I ever use it. Shortly after our divorce, she quit making payments and B of A attempted to collect from me. She later filed bankruptcy and this B of A account was covered in that bankruptcy. Regardless, B of A has continued to attempt to collect from me. I have made several attempts to contact them to have this removed from my credit, once with a financial advisor who works for XXXX XXXX XXXX, but B of A refuses to give any information or help in any way without providing money or a payment. I have asked them to provide any type of document where I have used the account or signed an agreement of financial responsibility, but they have not done so. I have spend hours trying to receive these documents but have only been run around in circles on hold. The address they have on file for this acct, I have NEVER lived at. My credit is nearly perfect, this is my only blemish on there. I pay my bills on time every 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