BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-16
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
FAIR COLLECTIONS AND OUT Last reported : XX/XX/2018 + {$5500.00} XXXX XXXX XXXX Last reported : XX/XX/2018 - {$1500.00} XXXX XXXX XXXX Last reported : XX/XX/2018 + {$360.00} This account need to be taken off my credit didnt authorize this Im a victim of identity thief so please have it removed

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 2019-03-14
Company: Navient Solutions, LLC.
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:
Student loans are appearing on my credit report. I have contacted Navient, XXXX, viewed the student database and have contacted the college in question. Not one agency or organization is able to provide a signed promissory note with information about these loans for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
I recently was told to check my account because Wells Fargo has been reported for opening fake accounts. I checked my credit report and there is a card that I never owned open. I applied for a secured card back in 2013, but the lady at the bank told me that I didn't get approved and to try again later. There is a secured card that has been reported on my credit from 2013 that states it was opened on XXXX XXXX, 2013 for XXXX dollars. That account was closed in XXXX 2013, not sure what happened because I never got approved for this card and it should not be on my credit.

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 2019-04-16
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/XXXX, I logged into my credit monitoring accounts to review my credit reports so I can apply for a loan in the near future. I noticed with Experian there are several unauthorized Inquiries that I did not perform on my own credit. I upgraded my credit monitoring membership and locked my credit reports with XXXX XXXX to block any further unauthorized activity. I wrote handwritten letters to each unauthorized credit inquiry and have not received any response from their agencies. On XX/XX/XXXX, I wrote to Experian advising of this issue with the creditors and have the tracking numbers for it to monitor. # XXXX, they received it on XX/XX/XXXX and per the Fair Credit Reporting Act, they have 30 days to investigate and/or block and delete the disputed inquiries. It is now XX/XX/XXXX and I paid {$29.00} to refresh my credit reports with my credit monitoring account and have had XXXX unauthorized inquiries removed. I am filing a complaint because I know my rights as a consumer and can not become a victim to the amount of time it takes to fix countless issues on my credit reports.

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 2022-12-13
Company: Freedom Mortgage Company
State: NM
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am referencing my previous Complaint # XXXX years high was closed. I was to be sent Refund Modification Documents per Freedom Mortgages Response of XX/XX/22 within 15 days. When that time past I phoned because my loan was still showing as being out of Loss Mitigation. The XXXX  ( they are always different ) I spoke to saw nothing about this resolution in the online notes! She said she would request a new review and to ask that my loan be put back into loss mitigation. I can not make a monthly payment on the app unless XXXX pay the full forbearance amount. I knew this might happen as it has been this kind of harrowing journey. Please reopen my Complaint to freedom Mortgage.

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 2022-07-20
Company: EQUIFAX, INC.
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is to lodge a complaint about XXXX XXXX XXXX, attempting to bill me for services not received on a day that I was not at or in their hospital by creating a nonexistent account number and attaching it to my name for no services mentioned. XXXX is attempting to extort payment from me for the exact amount previously paid by me for services rendered during my actual stays in hospital. I have the receipt. A call to the debt collection agency resulted in my being told that a different department would call me back. That has not happened. I have submitted a previous complaint about this same company to the FTC, XX/XX/2022, for the same reason. The complaint was also registered with the local police department. 
The name of the debt collection company is Medicredit , Inc. XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Amsher Collection Services, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Amsher ( a collection company ) reported a debt in collection to XXXX  XX/XX/XXXX. 
The reference was to a XXXX account. {$2500.00}. 
I saw this on my XXXX  report XX/XX/XXXX. Disputed with XXXX. Report number XXXX I have never once had a XXXX XXXX account. 
I called XXXX XX/XX/XXXX they have no account in my name now or in the past. 
I called Amsher who requested my social security. I am concerned its fraud so will not share that with them. 
I filed a report with the XXXX  as well. 
On XXXX reviews this company Amsher repeatedly does this to people. 
I am a XXXX XXXX and this is an outrage they continue to mess with people who have no debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: AES/PHEAA
State: FL
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:
Payment history is completely inaccurate! Loans on Forbearance from XX/XX/XXXX to XX/XX/XXXX and XXXX XXXX showing 90 days late when XX/XX/XXXX - XX/XX/XXXX are on time. Another forbearance was granted XX/XX/XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am filing this complaint because Equifax ( credit file confirmation # XXXX ), XXXX  ( credit file # XXXX ), and XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: CL Holdings LLC
State: NJ
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:
I'm in the process of cleaning my credit and came across this account in my file. It is saying I owe a debt to which I am unaware. Please provide validation via mail. As per the fair credit reporting act. 
1. Original contract with signature 2. Original bills with breakdown 3. Notarized copy of the purchase of debt 4. Copy of your bond and license to collect in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: Experian Information Solutions Inc.
State: OH
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 submitted letters to remove negative items from my credit report that are fraudulently reporting because no contracts have ever been signed by me for any of these accounts and these accounts do not belong to me nor did i make any agreements as such. I sent these letters to all 3 bureaus requesting they be removed and i have not received anything from them in months telling me what is going on.

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 2019-03-14
Company: Bread Financial Holdings, Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I previously reported XXXX XXXX and their credit card service provider XXXX XXXX for unnecessarily rejecting credit card payments in order to charge excessive late fees. They did not explain why the payment was rejected, and I checked that my routing and account number was correct. So they'd reject the payment, and not notify me that it had been rejected and then charge me a late fee when the account was past due. After being on hold with the company for hours to get it cleared up I demanded the account be closed and the excessive late fees be removed. The person I was talking to told me they could clear two of the excessive late payments, but they would clear all three if I kept the account open. I told them no, and demanded the account be closed. I discovered that the account is still open, and is still active on my credit report though I have not used the card since I thought the account was closed. I demanded the account be closed again and have not seen any action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: JPMORGAN CHASE & CO.
State: VA
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:
Called Chase Auto on XXXX XX/XX/2022 in regards to them reporting a late payment on my credit report when in fact all of my payments have been on time. Customer service rep stated that there were two payments entered for XXXX, via 2 money orders and I was 36 days late on my XXXX payment. Customer service rep also stated that my XXXX payment was reversed. That is not true I have attached my XXXX  account information to show payment was sent on XX/XX/XXXX to Chase auto. And received. I also have added my statements to show there wasn't a reverse payment or money credited back to my account as there is never a reason why this would be happening. I have screenshotted all the evidence and payments. 

My credit has taken a hit due to this malfunction on chases side and it has affected my payment history. dropping my credit XXXX points on XXXX so far. 

I have recorded calls with customer service for todays call as well as last months call. I let them know that I was recording the call myself and will provide the evidence as needed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting 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 non-monetary relief
Consumer complaint received 2022-01-10
Company: AmeriHome Mortgage Company, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
When you build a home from the ground up in the State of Maryland there are two ( 2 ) sets of taxes you pay at closing. Land Tax and Dwelling Tax. Because the Dwelling Tax bills are never ready at closing, the mortgage companies often estimate how much your Dwelling Tax Bill will be and put that in your closing costs. For us, they estimated {$3900.00}. The Settlement Company holds onto that monies for up to 45 days after closing waiting on the Dwelling Tax Bill ( which they call a supplemental tax bill and which the state calls a Consolidated Tax Bill ). If by 45 days after close the bill isn't rec 'd the Settlement Company sends you the money back and advises you to hold on to the money for when the bill comes. 

We got the Dwelling Tax bill on XX/XX/2021. I submitted the bill and made an online escrow payment of {$3500.00} to AmeriHome and asked them to use the remainder of what was in my Escrow Account to pay for the tax bill which is a total of {$5500.00}. On XX/XX/2021, I put in a status inquiry and was told that I already paid the taxes at settlement. They confused the Land Tax with the Dwelling Tax. I submitted the bill again and told them to pay attention to the XX/XX/2021 due date and that I wouldn't have a due date on a bill if it wasn't due. Additionally, I reminded them if it was a tax statement would say this is a statement accounting and not a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/16 I spoke with 3 representatives of Capital One. I would like to point out that the initial person was understanding until I didnt understand and she started using condescending phrases like sweetheart. I spoke with an account supervisor and a sr. Account manager. The Sr. Account Manager XXXX ( Employee ID : XXXX ) was extremely condescending. She would cut me off and say things like Im not going to go back and forth with you, implying that I was in a hostile state. Which I was not. I didnt understand. My account didnt draft for the month of XXXX at no fault of my own PER the first representative I spoke with and my minimum payment due had increased for the month of XXXX 3x the normal amount because of this error. While speaking with the representative I made the payment for the XXXX payment and she agreed the late fee should be waived HOWEVER my XXXX payment would still be double what it is normally. The Sr. Manager stated I cancelled it but was not able to tell me why or how I cancelled it and again became extremely RUDE during the call. This is the WORSE customer service Ive ever experienced. My issue is still not resolved and I still dont know why, how or when the auto pay was cancelled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Over the last months, I have always paid significantly above my minimum payment - what they call their interest saver so as not to be charged interest. However, in each month, I have been accessed interest over and above what my remaining balance was. 

As a result, {$200.00} and {$100.00} were charged in XXXX and XXXX respectively. This is counter to their communication to me of what needed to be paid to not have interest charges. I have tried to resolve by phone but the agent was of no help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
I did not consent to third party agencies to use report. I also don't recognize any of these reports from : XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-13
Company: Experian Information Solutions 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 constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. I'm demanding the CFPB to enforce the correction and or deletion of these items.

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