BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-29
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX. The credit bureau is refusing to remove a collection record from my report that is not mine. It is being reported as a paid debt but I have never had any business dealings with this company. I have never been called by them, I have never received any letters or notices from them and I have never paid them any money. There is no reason for this to be on my credit. The account name is under " XXXX XXXX '' with account number # XXXX. It is reported to have been opened since XXXX 2016. As the credit bureau 's records will show, I have been disputing this for a very LONG time. To this date, I have only received generic responses claiming the account information is accurate to be on my report. Last week, I took it upon myself to call XXXX XXXX and spoke to their representatives and a supervisor. It turns out that the personal information on this account does not match mine besides a very similar sounding name. They were not able to give out any more details because I was not the verified person on the account. This is frustrating and confirms to me that the credit bureau has not been processing my past disputes properly. If I am being told by the source of this information that this is not my account, why does the credit bureau continue to report this to my credit? I am being given the runaround when the fault is really with the credit bureau and they are refusing to correct their mistake. This is the reason why I am filing this 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 2017-11-27
Company: Midwest Recovery Systems
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen in 2012 and used for a payday loan from XXXX XXXX XXXX. I do not have a job or get paychecks, nor did I even have a bank account said money went into. This was finally removed from my credit last year and was just opened again from the same XXXX and same dollar amt. of {$1000.00}. I just started receiving collection calls which is how I found out ; from : Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: Resurgent Capital Services L.P.
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: Investigation took more than 30 days

Complaint:
I have filed a dispute regarding the incorrect items on my credit report. It has been more than 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: BARCLAYS BANK DELAWARE
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: Investigation took more than 30 days

Complaint:
I have filed a dispute regarding the incorrect items on my credit report. It has been more than 30 days and I have not received any investigation results.

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 2020-05-05
Company: Experian Information Solutions Inc.
State: AR
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:
My father informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX {$8400.00}

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 2017-11-30
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a letter from Wells Fargo indicating that they failed to update my credit report following a 2014 Loan Modification. Im concerned that I may have suffered paying higher interest rates for purchases ie. two cars since then based on this information. Have you seen this happening to other WF customers?

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 2018-04-27
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Around XX/XX/XXXX I tried to get my free credit report online from Equifax via the Annual Credit Report website. I answered all questions and then was presented with a webpage telling me I could not access my report online. I thought perhaps that I had requested it less than a year from the previous request. I subsequently requested and received my report by mail. The same problem was repeated this year around XX/XX/XXXX. After following the directions, I was again presented with the webpage saying I could not access the report online. I tried again several times since then including today ( XX/XX/XXXX ) with the same results. Sometimes I would be asked security questions and sometimes there would be no questions before telling me I could not access the report online. I made several phone calls to Equifax customer service including a supervisor. I explained the situation telling them I wanted online access. I asked them for help to do that. Each time I was told that Equifax was unable to help me since the website is on a " government computer ''. The Supervisor told me there may be a problem with my file and that I should call the dispute department. I called the dispute department today and was also told that the website was on a " government computer '' which meant they could not help. No one ever made any attempt to help me figure out the solution to my problem. Everyone was adamant that Equifax could not help me. The dispute department suggested that I do a web search to find out what agency in the government could fix my problem. I was able to find the CFPB so I could file this complaint against Equifax. I would like to receive my credit report online but have no idea what I am doing wrong or if there is some other issue keeping me from having access. I should note that I made every attempt to ensure my answers to the security questions were correct. I never was told that any answer was incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I filed a FTC 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 2018-04-27
Company: CITIBANK, N.A.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
An attempt was made to submit a REQUEST FOR LIEN RELEASE to Citifinancial 's Lien Release Dept. I made contact via their recorded message line at XXXX ( dead end ) AND followed the instructions to submit an emailed message with attachments to email : XXXX ( another dead end - message " returned as undeliverable '' ). 

The following information was submitted for a " release '' draft from their Citifinancial office to perfect title of property burdened with an open Mortgage originated with XXXX XXXX XXXX XXXX on XX/XX/94. 

PROPERTY ADDRESS : XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX & LOT/Parcel # : XXXX CURRENT OWNER : XXXX XXXX FORMER OWNERS/BORROWERS/MORTGAGORS : XXXX XXXX and XXXX XXXX ( wife ) MORTGAGEE : XXXX XXXX XXXX XXXX ( Now Known As CITIFINANCIAL ) *See attached Title Search for copy of Mortgage and last recorded Deeds of record.

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 2019-03-26
Company: CITIBANK, N.A.
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX of last year, my stepson XXXX XXXX asked me to download XXXX XXXX so that he could send me {$2000.00}. I did so, attaching my citibank debit card to my XXXX XXXX $ XXXX. He sent the money from his XXXX XXXX XXXX account, which appeared on my phone. However, I didn't know if the money was in my account. I called Citibank soon afterwards and informed the representative of the transfer from my stepson through XXXX XXXX, and the representative told me that there were no deposits pending and that I needed to contact XXXX XXXX. I told her I didn't know how to get in contact with them and then she then put me on hold. When she got back on the line she gave me a XXXX number to contact XXXX XXXX and that's when things went terribly wrong. Long story short, the number she gave me was not to XXXX XXXX but to scam/fraud individuals. I later found out that XXXX XXXX doesn't have landline communications. The people I thought were trying to help me get my money from my cash app to my debit card were not XXXX XXXX representatives. I've spent months calling authorities, reaching out to XXXX  XXXXthrough emails, and filing complaints. Most recently, I was informed by Manager of Consumer Services, Compliance Analysis Division ( DC ) to file a Complaint against Citibank, because had it not been for the representative giving me the wrong information, I wouldn't be in this situation, and now I know that the money would have automatically deposited into my account in two business days. Please Help. I can't afford to lose any money, let alone {$2000.00}.

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 2019-04-18
Company: PENNYMAC LOAN SERVICES, LLC.
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to penny max and they raise the interest rate up over what I closed at. I was at around 4.5 and now Im close to 6 percent. This makes a big difference on the payment and over all loan amount. Can you help me with this. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Approximately 8 years ago I spoke with a representative from Navient as I was struggling with paying my student loans. I had actually asked about the Public Service Loan Forgiveness and was told that it wouldnt be right for me. Instead of making my loans direct loans which would make my monthly payments qualify for this forgiveness, they put me into an income driven plan. I only found out very recently that this was the wrong thing to do. My loans would have been forgiven after 120 payments. I have since learned from outside sources that I still need to consolidate my loans into direct loans and then make another 120 payments. At this point I have already been paying my loans for 13 years!! I am furious that they scammed me into paying so much more than I needed to. I trusted Navient to steer me into the right choices and they failed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.

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 2019-09-19
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2019, I received a call from Chase Bank 's Correspondence Department, asking me to update details on a credit card account that I have previously reported to the FTC as fraudulent. After giving my statements to a certain XXXX  ( ID # XXXX ) and XXXX ( ID # XXXX ), I was transferred to Chase Bank 's Fraud Department to give my report. The agent, named XXXX ( refused to give her ID # ), asked me basic questions such as my name, date of birth and address, to which I answered. After that, XXXX told me that she would connect me to a person who could help me with my fraud report, then put me on hold for around 5 minutes. XXXX came back and simply said that Chase 's Fraud Department can not help me with my problem since I know the person who stole my identity and my credentials. I find this very appalling considering that she went on record to say that she would " connect me to a person who could help me ''. This made me very upset and questioned XXXX as to why she would say that statement and would not even follow through. To make matters worse, I was going to ask what other steps I could do to file my fraud claim but XXXX decided to hang up. Now I am at a loss at what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: A.R.M. Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX : A.R.M. Solutions, XXXX, CA, Phone XXXX I talked with Small Balance Department Manager, XXXX, ID # XXXX on XX/XX/2019 at around XXXX XXXX. ET. 
They sent a collection letter on XX/XX/2019 stating that I owe {$45.00} to XXXX XXXX ( newspaper ),. Subsequently the charge was canceled by the XXXX XXXX after my discussion with them. XXXX says my account is closed. I requested a letter verifying that the account is closed, but the manager said she can't send it. I need something in writing that this matter is closed, in case this issue shows up on my credit report. 
Please help how to get that the account is closed in written form.

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 2017-11-27
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting {$6400.00} owed to my Equifax and XXXX Reports as of X/2017, and I 'm no longer liable for that debt due to it being charged off to XXXX XXXX, a 3rd party debt collection agency. The charge off balance is incorrect, aand should reflect a {$0.00} owed with it being charged off to XXXX XXXX. Collecting on a debt that has been charged off and sold to a debt collection agency is a direct violation and unlawful according to CFPB and BBB. I will file a complaint against XXXX XXXX XXXX XXXX / XXXX XXXX XXXX for falsely trying to collect on a charged off debt that I 'm no longer liable to them for. I sent several letters to Equifax and XXXX in regards to validating the reporting of this correctly, and each time, I get no response back to the 609 letters I have submitted via USPS. I provide signature confirmation to show that each letter sent was received and sent to the correct address. 

Please investigate this and have this removed from my Equifax & XXXX Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have an account with BBVA Compass. They have held two consecutive paychecks for undefined amounts of time. When the deposit is made, they do not tell me how long the check will be held. The last time it was 9 days. I have no clue how long my current check will be held. It is not listed on the receipt nor can they tell me when i call customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to describe what happened to me, but I truly do not have much to say. I am not aware of any accounts that is on my credit report. I never gave anyone permission to use my social security and post information about my credit to anyone. On XX/XX/2020 I sent dispute LETTERS to the Credit agency 's : Transunion, XXXX, and XXXX. They still have not answered my request. The information on my report must come off asap ...

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 2019-04-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I refinanced my FHA mortgage and the previous mortgage company charged me additional fees after refinance went through. They also have not released the escrow money that should be refunded to me. I spoke with a rep with their company today XX/XX/19 and all they can tell me is they do not know and it might be a coding error.

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