BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-06
Company: CL Holdings LLC
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:
On XX/XX/2019 Jefferson Capital Systems notified me of a debt of {$990.00} and XXXX XXXX XXXX notified me of a debt of {$860.00} on XX/XX/2019, that I am not responsible for. These collections are reporting in error at the credit bureaus. 

I have requested validation of : Original wet ink original signature contracts, Validation of Georgia license to collect, registered agent info, validation of contract with Jefferson Capital Systems and  XXXX XXXX XXXX. No Such validations have been performed. 

These companies are in violation of my rights as a consumer. Request all collections be deleted and removed from all credit reporting agencies immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-05
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:
THIS ACCOUNT REMAINS NEGATIVE ON MY CREDIT REPORT, IT IS REALLY AFFECTING MY CREDIT 'S OVER-ALL HEALTH. XXXX  XXXX XXXX IS AN ACCOUNT FROM 2014, I WEN AHEAD AD DISPUTED THIS SPECIFIC ACCOUNT SEVERAL TIMES BEFORE AND NOTHING WAS DONE ABOUT THIS MATTER. 
NOTHING HAS BEEN DONE ABOUT IT, NO ACTIONS HAVE BEEN TAKEN BY ANY OF THE COMPANIES IN WHICH ARE IN CHARGE TO LOOK AT THIS ACCOUNT. FOR SOME REASON I FEEL IGNORED AND I FEEL I HAVE PUT ALL EFFORT INTO REMOVING THIS ACCOUNT FROM MY CREDIT REPORT. LOOK INTO THIS AND LET ME KNOW IF THERE IS SOMETHING THAT HAS TO BE DONE IN ORDER TO GET THIS NEGATIVE ACCOUNT REMOVED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-21
Company: SLM CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
loan amount {$35000.00} denied on XX/XX/XXXX I received an advertisement from XXXX XXXX to apply for a pre-approved {$35000.00}. When my credit was checked they said my loan was pre-approved. Because I am self-employed I provided 12 Months Bank Statements to support my income. I was told I was denied because my debt ratios are too high. This would be fine if the statement was true. 

The fact is that my Income for the year was met with very few debts as evidenced by my Bank Statements and remaining balance. The High Debt ratio is false and misleading. There is no system in place to appeal false information and in addition, this places me in a position where now I have an inquiry on my credit report. It is a frustrating waste of time and effort. 

I believe that lending criteria should be clearly stated so that a Consumer doesn't wast his or her time and inadvertently reduce their Credit Score by adding inquiries to it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
This complaint is regarding a pending credit dispute that we have with Citibank/Macy’s credit card for charges relating to XXXX XXXX XXXX   that were initiated – without our consent – in XX/XX/XXXX. I initially wrote a letter to Citibank/Macys/XXXX XXXX on XX/XX/XXXX reviewing the fraudulent charges be discontinued and that we receive a refund (either in monetary or credit form) for the funds that were withdrawn from our credit account without our permission. Since sending the letter on XX/XX/XXXX, Macys indicated that we would need to cancel our credit accounts and to be issued new credit cards to prevent further fraud. This was done twice to no avail – we continued to receive charges from XXXX  XXXX  on our Macys charge account for XX/XX/XXXX and XX/XX/XXXX, until we were successfully able to contact XXXX XXXX (a subsidiary of Macys) and get them to finally discontinue the fraudulent charges moving forward. 
	Still at issue, however, is the retroactive reimbursement for the fraudulent charges made to our account between XX/XX/XXXX through XX/XX/XXXX, which now total XXXX. To follow up on our request for reimbursement, I have made NUMEROUS attempts within the last six months to secure reimbursement of the funds, to no avail - they are denying my reimbursement request. As such, we are now filing a complaint.

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 2020-07-03
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
Back at the beginning of XXXX I had called JP Morgan Chase to be removed as an authorized user on their account and Was told that I had been removed by the end of the call. I looked at my credit today XX/XX/XXXX and It shows that I'm still on that account. I had the owner of the account call while I was next two her and they told her that I was not on the account, when we asked the rep to please confirm when I was removed, she put us on hold to check the account. When she came back on the phone she stated that I was removed today XX/XX/XXXX when asked how this was possible she stated that the truth was that she just removed me from the account meaning that she lied to us on a recorded line and so did the rep back in XXXX when the cancellation was requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-12
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX XXXX on behalf of XXXX XXXX ( Recent ) has not reported my Mortgage to the credit companies in 6-7 years since I was sold to them from XXXX. Making it look like I do not own property and am not getting the credit I deserve.

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 2018-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Trans union has not been able to provide me mechanisms to prove to me as required by Federal law FCRA that XXXX : XXXX actually belongs to me. 

According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), They are required by Federal law to verify- Through the physical verification of the original signed consumer contract-any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account.

I want to see verifiable proof ( an original consumer contract with my signature on it ) or remove this 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
Consumer complaint received 2018-06-16
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On Saturday, XX/XX/2018, I paid off two auto loans at the Huntington Bank branch located at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. As both loans were paid prior to maturity, the teller assisting me had to determine the payoff amounts. The teller said that he would waive the early payment penalty provision on one of the loans ( for a XXXX XXXX ), and that,  according to the teller, the other loan did not have such a provision. I wrote two checks for the payoff amounts ( {$5700.00} and {$9900.00} ) the teller provided to me. The checks were debited/posted to my checking account on Tuesday, XX/XX/2018. 

A few weeks later I received a notification ( via mail ) that one of the loans ( the XXXX XXXX loan ) was delinquent. I called the phone number on the communication and spoke with Huntington representative who said that the notification was sent because an early payment penalty had not been properly waived in the Huntington system, and that he would conduct the appropriate process for the fee to be waived, and the corresponding late fee that had been applied by Huntington would also be waived. 

Several weeks later I received another written communication from Huntington, and the bank began calling my place of employment. When I returned the call and explained the situation, I was told I had to speak with a supervisor for resolution. After waiting on hold for many minutes, I was told the supervisor was not available but would call me back. The next day, while I was in a work meeting, I received a call from a person who identified himself as " XXXX XXXX '', and asked me to call him at a specified number. I call the number and asked for XXXX XXXX, but was told there was not a XXXX XXXX that worked for Huntington Bank. When I explained the situation and the reason for my call, I was told the late fees had now doubled. The woman that I spoke with on the call was rude and arrogant. She said that a supervisor would call me, but that call did not occur, only more calls to my work from agents without the ability/empowerment to honor the commitment of two other Huntington representatives.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-22
Company: EQUIFAX, INC.
State: IL
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 have sent a total of 4 letters to all of the major credit bureaus stating that they remove accounts related to my name because there was no verifiable proof that the account belonged to me. Under the FCRA any account that is not proven to be yours has to be deleted. Not once was there any contracts or verifiable proof stating that such accounts belonged to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: Santander Consumer USA Holdings Inc.
State: NE
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 credit bureaus are reporting a closed account with Santander Consumer USA. This is not my account. I have disputed this account several times with the credit bureaus and the creditor. This is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: T.S. Holdings
State: TX
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: Problem with personal statement of dispute

Complaint:
this account is unknown to me, the collector did not verify. Send documentation of proof

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: EQUIFAX, INC.
State: OH
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:
OHIO XXXX XXXX XXXX XXXX Has posted on my equifax credit report after I was told it would be removed I have letters sent to Equifax from them to delete the account and that account has XXXX payment history but it hasnt been deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX / XXXX XXXX is reporting an account that I never opened and been disputing for more than 4 years. 
The account XXXX is showing late since XX/XX/2015 until today ( 6 years ) the statute of limitation in the State of Nevada is 4 years for credit cards but even that XXXX XXXX still damaging my credit reputation.

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 2018-06-16
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have incorrect addresses on my credit report. I had type up an letter to Experian requesting to dispute & remove these inaccurate addresses from my credit file. I had sent out the request by certified mail. It was delivery to an agent on site on XX/XX/2018 in XXXX, TX XXXX at XXXX. It has well over 30 days, and I still haven't had my those inaccurate addresses remove from my credit file. 

I also stated in my letter : Please remove both of these addresses from credit report, as they are not deliverable to me by the U.S. Post Office and they are not reportable under the FCRA, since they are inaccurate.

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 2018-06-16
Company: VIRTUOSO SOURCING GROUP, 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 was shopping for a new electric service provider online and was quoted {$200.00} deposit to start service with XXXX XXXX XXXX, I decided to go with another company and never paid the deposit for XXXX XXXX XXXX and never intended to do business with XXXX XXXX XXXX. 
I started receiving collection calls and told the representatives that I never agreed to proceed with the service. 
I recently applied for a mortgage and was told VIRTUOSO SOURCING GR had reported a collection of {$28.00} on my credit report and the original creditor is XXXX XXXX. 
I filed a complaint with the XXXX and received a response from XXXX XXXX stating that I enrolled in service on XX/XX/XXXX and services began the following day on the XX/XX/XXXX.

I have a receipt for payment on the XX/XX/XXXX to XXXX XXXX XXXX. 

I feel this is very deceptive to appear as XXXX XXXX XXXX but actually be XXXX XXXX, and require a deposit to start service and then start service without the deposit and without my knowledge. 

Now my credit report is being affected by this unfair and unethical business practice. 

I have explained this to the company directly, and provided the receipt for payment to the company I chose to do business with on the same day that I was told I enrolled with XXXX XXXX. 

All I want is this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX removed this credit file and keeps reinserting it. They have NOT sent me 5 day as required by Federal Law and in violation of fdcpa 805. communication in connection with debt collection. I do not owe them anything as I have never done any business with this company period nor have received any documents to confirm I owe XXXX XXXX. They are continually violating my consumer rights. As well as the state of TN requires they be licensed and bonded in state in order to attempt to collect any debts. They are neither licensed or bonded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-16
Company: Experian Information Solutions Inc.
State: AZ
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:
Experian has not been able to provide me mechanisms to prove to me as required by Federal law FCRA that XXXX XXXX XXXX XXXX : XXXX actually belongs to me.

According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), They are required by Federal law to verify- Through the physical verification of the original signed consumer contract-any and all

accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. I want to see verifiable proof ( an original consumer contract with my signature on it ) or remove this 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 non-monetary relief
Consumer complaint received 2021-07-12
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for refinancing for my property at on XX/XX/XXXX with the approval of XXXX XXXX, which he said that he would subordinate the HELOC. I explained to the loan officer several times that the refinancing would be for the first mortgage excluding the HELOC. In fact the three ( 3 ) Closing Disclosures ( see attached documents ) dated XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ( see attached closing disclosure XXXX, XX/XX/XXXX & XX/XX/XXXX ) which revealed no mention of the HELOC. The Payoff Statement XX/XX/XXXX ( see attached payoff demand document XXXX ) showing Present Principal Balance of {$710000.00} which reconciled to my Statement Balance XX/XX/XXXX ( see attached mortgage statement document XX/XX/XXXX ) of {$710000.00}. All three ( 3 ) Closing Disclosures show Loan Balance of {$720000.00}, which could not have included the HELOC of {$48000.00} ( see attached document ) or else it would show loan balance of around {$780000.00}. This support my contention that the loan officer stated to me that he could subordinate the HELOC. 
The Loan Processor was pushing me to pay off the HELOC as she stated on her email I just wanted to quickly touch base with loan update. It seems you are agreed to payoff the HELOC loan. I will complete the reviewing this loan and will submit to XXXX for final review. I dont know how she came to the conclusion that I agreed to pay off the HELOC ( see attached email XX/XX/XXXX document ). 
The Loan Officer offered to include HELOC to the refinancing in the last weeks of XX/XX/XXXX. The Closing Disclosure ( see attached closing disclosure document XX/XX/XXXX ) dated XX/XX/XXXX showed that the rate being offered was 2.875 % not 2.5 % and the Loan Balance was {$780000.00}, which included the HELOC payoff amount. In the last few weeks of XX/XX/XXXX, The Loan Officer was pushing for me to agree to pay off the HELOC and he did not offer me the 2.5 % and the fact was he offered me a 2.875 % rate with higher closing costs. 
All my evidences point to the fact that my right as a consumer was violated. Loan Depot should not get away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My husband and I filed chapter XXXX bankruptcy in XX/XX/XXXX. The bankruptcy was discharged in XX/XX/XXXX. Our Home was included in the bankruptcy. The home was mortgaged through Wells Fargo. I have previously filed complaints against Wells Fargo for their continued correspondence regarding payment of mortgage, insurance coverage and real estate taxes. I currently have an active complaint against Wells Fargo - XXXX-XXXX. 
On XX/XX/XXXX, we received a packet of information from XXXX XXXX XXXX XXXX regarding our unpaid mortgage. Speaking with these individuals is like speaking to wall. 
I am frustrated beyond belief. These financial institutions are the most corrupt people I have ever encountered. 
I wish to pursue any and all avenues of recourse available to me. 
thank you.

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 2019-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I have a loan with BK OF AMER XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and BK OF AMER with no successful resolution. XXXX, XXXX, and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.

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 2018-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
The entire time that I have had this XXXX card, they have incorrectly done things to my account. They have never sent me a statement to my mailing address, they completely got my name wrong on my card, they wouldn't accept my payments in store, just constant headaches. My biggest headache is that they have tarnished my credit with a late payment in XX/XX/2017. Don't know where it came from, asked them to send detailed documentation showing where statements were going, payments that were made, and everything else.

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