BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-05
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 have disputed this item with Experian for probably over a YEAR now and I have disputed it almost every other month. I just can't understand why someone doesn't actually read these disputes and tries to fix the problem. Rather than doing what needs to be done they simply look back at an old dispute and update my record from there. Problem is they are " UpDating '' it with wrong information which has caused me to NOT be able to obtain insurance thru XXXX XXXX and to pay higher rates with my current carrier as well as be denied credit with several different lenders/credit companies. 

XXXX XXXX XXXX..This account had a " Last Payment Date of XX/XX/2014, the account was closed and Written Off in XX/XX/2014 ... No further action was taken.. 
I cleared up this account with the collection agency who agreed to completely remove all their information. 
EXPERIAN is/has been showing me with RECENT NEGATIVE PAYMENT ACTIVITY and ARE CURRENTLY showing my Credit Report with 1 Recent Missed Payment in the past 60 days. HOW can I have a RECENT MISSED PAYMENT in the LAST 60 days when I have not been late on ANY accounts within the past 5 years +- ... Attached are copies of my report showing the information. The INCORRECT information. 

When I call Experian I get told either Dont worry, it falls off in 7 years or We will dispute this for you. They simply cant understand what I am reporting. Once I finish typing this report I plan on send copies to the CEO Experian XXXX XXXX. Being CEO Im sure at lease HE can read ...

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 2023-09-18
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Credit reporting 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 reviewed my credit report on XX/XX/XXXX and found out I had 12 inquiries and only 2 where autorized and valid, Also I have collections i have no knowledge about, i also saw duplicate collections from a so called XXXX XXXX XXXXXXXX I have requested multiple times for a investagation, resolution & correction with proper actions this has not been taken place under the fair credit act. I have showing collections of some medical by ARS ACCOUNT RESOLUTION this i have no knowledge and believe i being scamed on collection

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: NAVY FEDERAL CREDIT UNION
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My original complaint number is XXXX. This was closed. I received an email from Navy Federal on XX/XX/XXXX that another appraisal needs to be done and I haven't heard from them other than thank you for your patients. I emailed them again on XX/XX/XXXX. Can you not close the complaint until the process is completed. I've been working with them on this since XX/XX/XXXX!!!!! 

Please help. Is there another agency that I need to contact that could help?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: FIRST PORTFOLIO SERVICING INC
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Vervent/XXXX  is reporting twice on my credit report. This company is reporting inaccurate information. The balance is incorrect, the Date of Last Activity reports different dates with all bureaus. XXXX XXXX XXXX XXXXXX/XX/2020. This account is also XXXXXXXX XXXX XXXX XXXX which is also reporting a different date of last activity XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: TD BANK US HOLDING COMPANY
State: CO
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:
TDRetail Credit XXXX.-XX/XX/2020 Checked my credit report and my score dropped by 95 pts. I investigated and learned that XXXX reported a missed payments for 90 days. I assumed I was in the COVID 19 act and delayed my payments. When I called XXXX they informed me that I needed to register for program. That was the first I learned of this. I never received a bill or notice of late payment, in the 90 days I told XXXX I would pay my bill but they refused to cooperate and would not remove the report to the credit bureau.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-26
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I have had a problem with Freedom Mortgage, in regard to my escrow account. In XXXX of 2023, I received a notice of escrow account shortage, and escrow account analysis. I immediately contacted Freedom Mortgage, spoke to a live agent, and paid the shortage. However, my mortgage payment still increased to {$1300.00} as shown in their analysis. 

I contacted Freedom Mortgage again, spoke to a live agent, who said the escrow account had not been credited properly, and who assured me he would make the correction. After this, my mortgage payment changed to {$1300.00}. 

Their formula : XXXX expects to pay {$7600.00} over the next 12 months. Spread over 12 months equals {$630.00}. {$690.00} ( PI ) plus {$630.00} equals {$1300.00} ( new payment ). 

However, if you use their formula and credit correctly, it should look like this : {$7600.00} minus {$630.00} ( escrow shortage payment ) equals {$6900.00}. Over 12 months equals XXXX. This amount, added to {$690.00} ( PI ) equals {$1200.00}, which *should* be the corrected payment. 

I have spent all the time I am going to on their voicemail from XXXX trying to get to a live person. Now I am turning to an outside agency, in the hopes that you may be able to help them take the time and trouble to correct my account. 

This doesnt look like a huge discrepancy, as it was about {$100.00} the first time and about {$50.00} the second. But, since its not being credited to the escrow account or the loan, where is the money going? Also, I cant help but wonder, am I the only person having this problem, or are thousands of others who have not noticed or taken the trouble to report it? 

At any rate, I would just like my account credited correctly, and statements to be accurate. Thats all Im asking for, and Im hoping your agency can help make that happen.

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 2023-03-03
Company: EQUIFAX, INC.
State: IL
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:
In accordance with fair credit reporting act XXXX XXXX XXXX  account # XXXX has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 2682 section 604 A section 2 : it also states consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX Keeps selling a bad debt to several collectors after constantly being disputed and deleted from my credit report. First it was XXXX  XXXX XXXX which I disputed then XXXX  which I disputed and was deleted and now they sold it to southwest credit system. After multiple attempts and constant proof its not my account I will like it to be permanently deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Accounts not opened by me appear to be reporting on my report. I dont know what else to do to resolve my problem. I have listed them below. 
1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

12. Identity ThefXXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-21
Company: Convergent Resources, Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I had an account with XXXX several years back that had been closed and now I get a open report back on my credit that states that 's on have an open account with them again that 's in collections this item was previously deleted off of my report I need help with this matter I 'm trying so hard to rebuild my credit to purchase a house this just made my score drop drasticly. I 'm trying to stay on the right path and do the right thing then this happens why are they reporting something that was charged off and closed once already. Please contact me at either XXXXXXXXXXXX or via phone at XXXX XXXX XXXX thank you for your prompt attention to this matter hope to hear from someone soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I WAS PART OF HIRING SCAM WITH XXXX XXXX IN XX/XX/2022. A WIRE WAS MADE FROM MY OWN WELLSFARGO ACCOUNT IN TWO PAYMENTS EQUALING XXXX. THIS XXXX WAS MOVED FROM WELLS FARGO TO THE NEGHBORING OREGON XXXX XXXX XXXX WHICH WAS TOLD BY THE SCAMMER THAT IT WAS A SUB BUSINESS ACCOUNT OF THEIRS. THE FRAUD WAS DETECTED AFTER THE FIRST WEEKEND OF HAVING PULLED AND COMPLETED THE WIRE TRANSFERS. THAT MONDAY, AN ACCOUNT NOTICE WAS PLACED AND A NEW ACCOUNT WAS OPENED. BY PHONE, WELLS FARGO WAS NOTIFIED OF THE FRAUD. A MONTH LATER ON XX/XX/2022, A PAYMENT REQUEST FOR XXXX WAS MADE FROM OREGON BANK SHOWED AS PROCESSING IN MY NEWLY CREATED BANK ACCOUNT. WELLS FARGO WAS NOTIFIED TO NOT ACCEPT THE CHARGE AND SO THEY PLACED A NOTE SHOWING THE CHARGES WERE UNAUTHORIZED. THE CHARGE WENT THROUGH, I HAVE BEEN FIGHTING VIA CLAIMS AND APPEALS WITH WELLS FARGO EVER SINCE TO REFUND MY ACCOUNT THE XXXX FROM THE XXXX THAT DRAINED MY ACCOUNT AND PUT ME INTO THE NEGATIVES.MY CREDIT CARD ACCT WAS ALSO CLOSED BECAUSE IT SAYS I ACTED IN BAD FAITH.

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 2020-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Good Day, I am XXXX XXXX XXXX and the reason I am writing to you is complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-06
Company: CCS Financial Services, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently started the process of reviewing my credit reports. Therefore, I requested copies from all three bureaus, of my credit reports. From XXXX, XXXX XXXX, and XXXX. I am not been aware of my credit, or even got an credit report until recently. So, I was not aware of the information contained in my credit reports. I was not in the position to buy certain things, or even attempt to purchase anything. Because i was not making a lot of money and was just trying to maintain what I can. In reviewing my recent credit reports, I found out that all my reports had a lot of activity that I had not done. Inquiries were over excessive to the point each report had about 20-25 inquiries on each report. I did not conduct these inquiries, if I were to do a inquiry I would only do it for what i needed it for. Not over and over getting turned down, I just recieved a email advising me that I was declined for an inquiry that I had submitted, In receiving this email, I was suprised because I had not applied for anything by way of credit. This complaint is being filed to advise that someone has my personal information, and using it to commit fraud. I am in the process of disputing these activities as it pertains to my credit. This complaint is to notify the three major credit bureaus. Of my intent to dispute these actions of no fault of my own.The activities that has been comprised are my credit, inquiries, accounts that have been placed with collection agencies. Whom are seeking financial closure of accounts that do not belong to me. I am requesting, as I prepare to send this complaint to all three credit bureaus. That the creditors, would send me the documentation needed to resolve these issues. I will also be filing an Identity Theft Report of the actions of fraud on my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
We were charged for four separate charges totaling {$71.00} on our credit card operated by Bank of America ( BoA ) to a XXXX company named XXXX which we did not authorize. We had made one purchase from this company but did not authorize it to keep our credit card information. We did not authorize any further charges nor did we authorize any services or products from this company. Apparently XXXX kept our credit card numbers on their files. We understand this company is a XXXX company. 

We filed a written complaint with BoA on XX/XX/2018 disputing that we had authorized these {$71.00} charges and signed a written statement to BoA to this effect. On XX/XX/2018, BoA wrote us they were " unable to determine that a billing error occurred based on the information or documentation available to us ... .we consider your disputed resolved and the balance owed. '' We then called BoA and spoke with their representative who said we would have to provide written documentation that we had not authorized the charges for XXXX. We asked how we could disprove that we had not authorized these charges and he could not answer. He acknowledged that BoA had not contacted XXXX asking for my signed authorization for these charges or any information about what these charges entailed. 

We are in an impossible situation. We can not disprove that we did not authorize these charge and have no information as to what these charges involved as the product or service allegedly provided to us. This company evidently kept our credit card information illegally and then used it to bill us for four charges.

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 2020-11-06
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX I heard rumor the Cares Act afforded protections specifically for VA home loans in forbearance and deferment. My children 's child care facility has been closed several times due to Covid-19 and affecting myability to work. I was skeptical so I called my mortgage holder Quicken Loans. I was reassured several times, ( on a recorded line ) once I entered into forbearance I had to full protectionof law to move into deferment. After 4 months of forbearance Quicken Loans has apologized and informed me they were mistaken on the deferment availabilityon my VA home loan. 

Quicken Loans has mislead me and my family into a dire situation on our mortgage. 

This Veteran needs help please. 

" Captainsof industry '' and " Robber Barons '' are indistinguishableuntil justice is served. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
They have accounts Ive never applied for on my account. Theres so many address associated with my credit file it shows theres a lot going on. I need my credit profile completely whipped as I was a victim of identity theft.

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 2023-02-08
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:
Your company is reporting an account XXXX XXXX XXXX XXXX with incomplete account information. Update the full and complete account number without stars or delete this account due to incomplete account information. Failure to provide an accurate credit report without omissions will result in me filing a lawsuit against your company for willful noncompliance.

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 2018-12-23
Company: ALLY FINANCIAL INC.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
i filed a complaint XX/XX/2018 i recieved a response abouy the company policy but it did not address the XXXX i paid for 23 month i paid out my contrack the tracking # XXXX thank you for 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 explanation
Consumer complaint received 2020-11-02
Company: Experian Information Solutions 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 have Unathorized accounts & inquires on my Credit report. According to the Fcra Any Unathoriized items on my report must be removed if not % 100 accarute & Verifiable. Please Remove this From my report

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 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
My lender ran my credit on Friday, XX/XX/2022. In that report XXXX or XXXX shows up on my credit twice. 1 ) As a joint account and 2 ) individual account. The account numbers are the same. The Highest credit amount is incorrect. Please see a copy of my credit report pulled by lender. I have also included a copy of my Transunion account which was pulled Friday, XX/XX/2022. This must corrected before my lender will approve me.

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 2021-04-07
Company: Waypoint Resource Group, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
WAYPOINT is claiming that I owe them {$380.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation