BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-31
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:
TRANSUNION, XXXX AND XXXX XXXX   SHOWS A COLLECTION FOR XXXX XXXX THIS IS A FRAUD 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 2022-02-10
Company: EQUIFAX, INC.
State: PA
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 have several issues that need to be addressed according to the letter attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Experian Information Solutions Inc.
State: WV
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:
On XX/XX/2022 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person

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: WELLS FARGO & COMPANY
State: AZ
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/XXXX Wells Fargo charged a {$50.00} " REWARDS ANNUAL MEMBERSHIP FEE '' on a credit card which they stated had no annual FEE. The fee was charged to a card that had not even been activated in my business account. If it were not due to my diligent inspection of my account I would have also accumulated interest fees. When I called to report card fraud for transactions made to my account without my permission they refused to allow me to either electronically ( disabled in their system ) or over the phone submit a fraud claim. They were willing to " provide a credit for the fee '' stating that this was a " system error '' as if they were doing me a favor. <P/>My primary concern is for other customers who will fall victim to deception intended to result in financial or personal gain by an institution paid for the service of protecting their financial interest.

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 2017-07-14
Company: Amcap Investments, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
due to miscalculations of taxes and we were now {$7000.00} short in the escrow. I contacted XXXX XXXX to inquire why we were being penalized for this and basically were told it is what it is and we need to pay the monthly payment. There was no way we could afford this due to other obligations as well. We are now three months in default and fear foreclosure. I contacted XXXX XXXX XXXX XXXX representative and inquired what could be done. She recommended to either refinance with them or ask XXXX XXXX for a modification. I contacted XXXX XXXX and inquired as to a modification and they stated we did not qualify. I then contacted HUD and they referred us to a counselor. I do n't believe our delinquency is due to any fault on our part, as we were making our payments on time. If it were not for the errors of XXXX XXXX miscalculations of taxes at the purchase time of the home, we would not be in this predicament at this time. I believe and feel that XXXX XXXX sold us out upon discovering this and cleaned their hands of any responsibility. I do n't believe we should be responsible for the incompetency of XXXX XXXX and XXXX XXXX coming after us, instead of going after the real culprit ; which is XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: EQUIFAX, 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:
My mortgage account is not reflecting correctly on my credit reports, Equifax is showing my account as closed after numerous disputes and documentation sent to prove account is open still no resolution account still showing as closed, contacted my mortgage company they stated that they are reporting the account correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I spoke to some one three days in the roll about my account from XXXX. They would not tell me about the account supposed been open by me. Yeah I did call back in 2019 an claim to send me a cards in the mail but I did not receive them at all. I did tell them my information was stolen when I lost my wallet. But they act like o was XXXX. Then the new account that was just open they closed it down some thing happen two years ago. But I told them they is wrong on there behalf. I have the never to tell me they could pull any one account an close it out. Like I told them this account or any others I have never had the chance to even but money in my cheack or saving in this new account an not even the last one before my wallet was lost. I can send you proof on what I have in my screenshot I took

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Experian Information Solutions Inc.
State: AL
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/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have sent correspondence letters to Experian, XXXX, and XXXX. I have told them to remove false information and account information from my credit report. The send a automatic generic response and ignore any violation to myself and the law. I called them today and the representative I spoke with was of no help and refused to handle my request as I stated. I will be taking this to the highest level possible and charging for every violation if this complaint does not render the solution I desire. First I would like to point out that I at no time under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer have I given permission to any company to report or speak for me on behalf of my credit. Without me giving permission it means the credit reporting agencies have taken it upon themselves to act as me and speak for me and falsely report in my name. They are commiting fraud in my name.

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 2022-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
XXXX. XX/XX/2022. 
Bank of America, XX/XX/2022. I called both companies to let them know.

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: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 I made a payment online to chase mortgage account on the amount of {$1300.00}, this payment never reflected on the mortgage account, but was taken out of my bank account. Ive spoken to many different people in chase and Ive opened 4 cases about this so it would be escalated and nothing has happened still. Recently every time I contact them they just put me on mute and hang up. Therefore its come to the point that I cant even speak to anyone. I live in the U.S and they tell me that someone in the XXXX is in charge of my account and they can never get a hold of them because of the time difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Chase bank has erroneously reported that i have made charges that i did not. 
Additionally they have not resolved this correctly in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I'm getting a collections notice from Jefferson Capital Systems trying to collect an old phone bill of {$150.00} from XXXX. I had cancelled before the invoice date started for the next month. I paid the previous month and called as soon as I paid the pervious month to cancel my service indefinitely. So way before the invoice starting date. I spoke to a woman on the phone who said she would take me off no problem and there would be no fees. now suddenly, I was attempting to buy a car and 3 years later my credit score drops 100 points for something I don't even owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I need your assistance in getting these 2 XXXX  XXXX XXXX accounts removed from my Experian credit report. I have submitted all of the requested documents ( proof of address, State ID, and Social Security Card, Police Report, and Federal Trade Commission Identity Theft Complaint ) to Experian. I feel as though Experian is being defiant of the rules and laws of the FCRA. These XXXX  XXXX XXXX accounts do not belong to me. These accounts were opened as a result of identity theft. I have been disputing this account for the past 12 months. My next step is to sue Experian. I have proof that I have made every attempt to rectify this matter within the last 12 months. This is my last attempt to rectify the removal of these 2 XXXX accounts before I seek legal assistance.

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 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave XXXX written consent to any XXXX party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payments from XXXX XXXX  Late Payments from XXXX XXXX XXXX XXXX Late Payments from XXXX XXXX XXXX  Late Payments from XXXX XXXX I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.

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 2019-05-10
Company: NCC Business Services, 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: Old information reappears or never goes away

Complaint:
This company refuses to remove this account off of my credit report after contacting them and the initial point of contact company XXXX XXXX. I have asked them several times to remove this account from my credit report as one it has a XXXX balance and I have never had any sort of business with them nor signed any contracts with NCC business services and they shouldnt be reporting anything on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/XXXX I paid off a derogatory account through XXXX XXXX XXXX XXXX {$140.00} - I received notification from Transunion that my credit score decreased by 103 points - and this particular derogatory account was not even reported to Transunion, on reporting to XXXX and XXXX. Both of these accounts received the same alert and it impacted them in a positive way causing my credit score to increase. 

I called TransUnion and was told it was nothing they can do. 

This really frustrates me as I am trying to pay off derogatory accounts but I dont want to pay if Transunion is going to count this against my credit score. 

Please help me with this matter. 

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 2022-02-10
Company: EQUIFAX, 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:
I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payment from XXXX Bank Late PaymenXXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX XXXX XXXX XXXX Bank I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( XXXX ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Equifax continues to report two aged accounts. They are over 7 years old. The XXXX XXXX XXXX   XXXXand the XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have never missed a payment until Covid shut my job down. I have had this first mortgage and my Heloc Since 2014 I have tried to make these payments. I need a fresh start. I would like to consolidate the XXXX and the XXXX mortgage into XXXX loan and receive a modification. 

XXXX year 1 % rate XXXX year 2 % rate XXXX a fixed rate of 3 % for the life of the loan.

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 2022-02-10
Company: AMERICAN FINANCING CORPORATION
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or about XXXX XX/XX/2022 I had inquired about a new primary home VA loan with American Financing, XXXX XXXX. As our family situation had changed, we were looking into mortgage lender options based on rates and closing costs. Between XXXX XXXX I had spoken with XXXX XXXX XXXX Mortgage Consultant, that I would be going with another company because they could not pre-approve me at a reasonable amount, afterwards a sr. loan processor, XXXX XXXX XXXX XXXX and said they would like to still be considered and if I could send them an approved loan contract they would see what they could do to earn my business. On XXXX XX/XX/2022 I emailed an accepted home offer to the aforementioned American Finance employees as I am a man of my word and wanted to give equal opportunity to compete for my business. On XXXX XX/XX/2022 I received an email indicating an XXXX had been assigned by American Finance, I immediately responding back in the negative that I did not order nor do I accept such action on my behalf. I subsequently called XXXX XXXX who then assured me that no such order had been placed and that it was simply an automated mail system and it meant nothing so not to worry. On XXXX XX/XX/2022, after reviewing their offer for loan terms I had emailed XXXX XXXX and XXXX XXXX, letting them know I would go with another lender as the rates and closing costs we had discussed on the phone were much different then what was presented on paper. 

On or about XXXX XXXX I was notified by my lending consultant at my chosen lender that he could not order an appraisal because American Finance had ordered a XXXX Case number and appraisal and they could not go to underwriting until the case number was released. Between XXXX XX/XX/2022 and XXXX XX/XX/2022 several calls and emails have taken place to get the case released to no avail. As of XXXX XX/XX/2022 XXXX, I have been told that " upper management '' was working on it and they had no additional information. When I requested options for recourse or reporting complaints, I was told that they weren't sure who I could file a complaint with. 

I had never signed an " intent to proceed '' with American Financing, I had allowed them to compete along with XXXX other lenders and provided them the same documentation I did others for pre-approval. American Financing deceptively initiated a XXXX sided loan agreement that was reported to XXXX, tying up my benefit case number and preventing the lender I did selecting from completing the requested loan arrangement in a timely manner. Their actions jeopardized my families well-being, have caused stress and anguish, and bring discredit upon the industry where transparency and communication is key to financial and economic wellness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: ID Analytics, 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:
Sagestream LLC is apparently a company that calculates your credit score. They 're giving people ( including myself ) lower scores so that banks can charge a higher interest/APR. My credit score with all three credit bureaus is XXXX. Theirs XXXX. Please research this company for fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Good Afternoon. First and foremost, I, XXXX XXXX XXXX, is filing this complaint. ERC Collections sent a letter to my parents home in XXXX, XXXX First and foremost, I haven't lived in XXXX since College, which was XXXX. Secondly, I have never had an account with XXXX. I am requesting that they cease communication and that they remove this account from my credit immediately. I will sue if they keep this on my credit. I have submitted an identity theft report from the police station and from idtheft.gov. They have contacted me twice and I do not owe anything. Now they are reaching out to people that they think are associated with me. I am a victim of identity theft and I am requesting help with this issue immediately. Thank you.

Company response to consumer: Closed with explanation