BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-02
Company: National Credit Adjusters, LLC
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: Account information incorrect

Complaint:
The problem that I'm having with this company is that I never got a notice of this debt until I saw my credit report and saw an account in there so I proceeded to call the phone number listed for that account and they told me that is for an account that was supposed to be paid for about more than a year ago but they never sent me a notice with a chance to my home address to pay before I was placed in collections, and now that I know that I have that debt and I'm willing to just pay it so it can be removed out of my credit report but they're just saying that they won't remove the account out of my credit report because is company policy, but the problem is that I never got a notice that I was gon na be placed in collections because they sent the notice to the wrong home address so basically I was never aware of this debt and they just placed me in collections unfairly and now its affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
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 status incorrect

Complaint:
I've had to pay off several accounts in which I did not owe, just to clear my credit. Now that I have I've contacted TransUnion in reference to the information still showing on my report. Per TransUnion, the information is under dispute per my request. I asked why would I dispute something that I have paid and did not owe? The representative informed me on their side it showing different and I would have to just wait or update and pay for one of their monitoring services and then I can update my report. So, I paid for the monitoring service only to learn this is something TransUnion must do in which again, I'm being told to just wait.

I am asking for help getting the items removed from my report and an update credit Score as well as Repo.

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 2017-09-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear XXXX, RE : XXXX XXXX XXXX On XX/XX/XXXX we were affected by XXXX XXXX due to 45 inches of rain in 3 days in XXXX XXXX Texas.Not only has the Governor of Texas issued a Emergency Declaration but The President has signed into law an Emergency Declaration and my county fell under this declaration and protection per XXXX. 

I have a XXXX backed mortgage that is under protection of a 90 day moratorium as indicated by the HUD.gov website on any foreclosure related activity from that date onward until XX/XX/XXXX and possibly further. 

My loan servicer, Carrington Mortgage Services is aware/notified of the disaster, that my county falls under the declarations scope by XXXX ( XX/XX/XXXX ) and myself ( XX/XX/XXXX ) as well as the 90 day Moratorium. 

I received a Certified Letter from XXXX. dated XX/XX/XXXX on XX/XX/XXXX threatening foreclosure. 

Respectfully yours, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I did not authorize this loan. Ive disputed this twice with XXXX. XXXX keeps saying information is accurate when its not. On XX/XX/2022 I went to finance a car that is when I was told I have an outstanding balance of XXXX that I need to pay. When I truly have no idea what this company is and what loan was made. Ive already filed identity theft with this company. I just dont understand why XXXX is telling me the information is accurate when I never have done anything with this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: EQUIFAX, INC.
State: MN
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:
Private student loan with XXXX was discharged in XXXX XXXX  bankruptcy on XX/XX/2023. This loan was above and beyond costs to attend the university, and therefore dischargeable in XXXX XXXX XXXX continues to report a charge off, balance due, and late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Experian Information Solutions 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 am a victim of Identity theft and it has been an absolute nightmare trying to get back on track and get my life some what back together. That said, the bureaus are not making the process any easier. I have sent them a stamped copy of my police report, a notarized statement and a fraud affidavit payment and to my dismay the fraudulent entries still remain. 

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 2023-01-12
Company: EQUIFAX, INC.
State: NC
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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Resurgent Capital Services L.P.
State: MD
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:
due to covid i recently obtain a copy of my credit report and noticed accounts that i did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: Resurgent Capital Services L.P.
State: KY
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 paid XXXX off threw the collection agency and they will not update the pay off it I have even sent the credit buraus the receipt and they will still not update it i have proof

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Used Wells Fargo Cash Wise Visa Card 's " Cellular Telephone Protection '' benefit. Contacted customer service representative & began claims process on XXXX XXXX XXXX ( claim number : XXXX ). After submitting all necessary information, my claim was under review. On XXXX XXXX XXXX my claim was denied due to certain types of damage not covered ( I had issues with my cell phone 's microphone not working ). 

I contacted customer service and they told me it was due to electrical/mechanical issues of cell phones are not covered under this benefit. However, on their Cell Phone Protection Guide to Benefits ( located here : https :  //www08.wellsfargomedia.comXXXX ) there is no clause that states that. The agreement I have with this benefit should cover the reimbursement of my charges, but customer service repeatedly denied my claim.

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 2022-01-06
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On XX/XX/XXXX Equifax reported that my credit score dropped XXXX points. The four changes that occurred were ( 1 ) My XXXX XXXX Credit Card balance increased by {$6600.00} ( 2 ) XXXXXXXX DBA XXXX XXXX account closed ( 3 ) XXXX DBA XXXX XXXX balance decreased by {$100000.00} ( 4 ) XXXX XXXX Credit Card number changed because of expected fraud. What I am questioning is yes my Credit Card Balance increased by {$6600.00} but my balance at XXXX DBA XXXX XXXX decreased by {$100000.00}. It looks to me like that would well over ride the {$6600.00} and make my score go up and not down. On XXXX the decrease of {$100000.00} did make my score go up so why did Equifax lower my score by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Experian Information Solutions 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:
XXXX, XXXX XXXX, Experian, XXXX XXXX  and etc. never investigated inquires and they willing knew it was a violation of my rights so they are criminally liable and Civil liable pursuant to 616 15USC 1681n civil liability for willful noncompliance any person who willfully fails to comply with any requirement imposed under this title with respect to XXXX XXXX is liable to that consumer in an amount equal to any actual damages sustained by XXXX XXXX as a result of failure and in the case of any successful action to enforce any liability under this section the cost of the action with resonably attorney fees as determined. The Bureaus ( XXXX, XXXX, experian, XXXX  and etc. ) deletion is admittance to them reporting fraud information on 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 non-monetary relief
Consumer complaint received 2019-03-05
Company: AMA Advisors, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received an XXXX XXXX dated XX/XX/XXXX ( see attachments ) saying there is {$310.00} shortage amount on my loan and that divided by 12 months, there will be an increase of {$26.00} to my monthly mortgage payment. Then I received another letter on XX/XX/XXXX ( see attachment ) showing the shortage to be {$410.00}. 
As a background, my loan originated XX/XX/XXXX and I have been paying a {$100.00} Escrow payment towards PMI. I do not currently have an impound account. Per my amortization schedule, the PMI is to remain static until I reach the 80 % debt to loan ratio. Also, as of XX/XX/XXXX my loan was transferred to a new servicer. 
I contacted the new servicer on several occasions to understand what the shortage payment is for and they weren't able to help me because they are saying they don't see any transaction history prior to XXXX. Two supervisors ( XXXX and XXXX ) requested the transaction history from the old servicer and haven't received the document. They are claiming they are just collecting this amount on behalf of the old servicer and have nothing to do with it. 
I've also been in contact with the old servicer and they are also saying they don't know why there is a shortage payment. No one is able to help me and this is my last resort to get this issue resolved. I have made my mortgage payments on time every month since the origination of my loan and I don't understand why there is a shortage payment and why I would be the one responsible for that when I pay what I owe every month. I am not in control of when and how much money goes in and out of the escrow account, and I shouldn't be punished for it. I feel I am being given the run around by both servicers. No one is able to help me and I'm reaching out to you. Please help me to resolve this matter.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX XXXX Mr. Cooper Mortgage added a {$1100.00} XXXX XXXX  Policy to my mortgage acct. This policy was not for the mortgage at XXXX XXXX XXXX, XXXX XXXX Mich. XXXX. I had already renewed my homeowners XXXX policy on XXXX XXXX, XXXX  in the amount of {$790.00}. After calling XXXX XXXX and Mr.Cooper the policy was cancelled. However Mr. Cooper refuses to update my escrow account and the false charges have increased my payment from {$700.00}. to {$760.00}. I can not pay that much we are seniors on a fixed income and my husband is a XXXX Vet with stage XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This information that is listed on my chexsystem report and reported from XXXX  XXXX XXXX and XXXX XXXX XXXX is inaccurate and fraudulent. My information was exposed in the XXXX data breach twice in XXXX and in XXXX, information exposed on the Dark Web and also in the fema data breach.Supported documents of my information being compromised is attached in this dispute below. My email address was hacked, social security, current and prior addresses, banking information, employer information, passwords and etc. My drivers license was also replaced/ reissued ( states at the bottom ) due to being loss and identity theft. My name was also used and spelled in different ways to obtain bank accounts online and other goods and is documented on file with the credit bureaus. A identity theft report was was submitted when this information was observed by the me the consumer. Disputes were submitted to the consumer bureaus and to chex system and related information was deleted from the credit bureaus from investigation. Monthly security alerts were also placed on all credit files and a freeze is currently on my chexsystem report.I am currently in the pending status of a settlement with XXXX  in reference of both data breaches. My information was compromised during a FEMA breach as well. I am requesting for the deletion immediately of all derogatory information and accounts that are associated with XXXX   XXXX XXXX on my chexsystem report. This is and was not done by my consent nor did I authorize it this fraudulent activity. The derogatory remarks and information has prevented me from opening any accounts due to this matter that was falsely reported with Chex System. I have received numerous of harassing calls as well stating I will be prosecuted and also a collection agency attempting contact via phone to collect funds not owed to them. I am in process of legal action. 1 ) Please provide physical in person debit/ credit card obtainment and proof of physical in person signatures. My information was compromised from a unknown individual and obtained from a family members mailbox. P

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 2020-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
There are accounts on my credit report that I did not authorize and are unverified.

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 2019-11-06
Company: Duncan Solutions, lnc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have an XXXX with Illinois Highway. My XXXX is connected to my bank. When my account gets low they draft. This is a collection from a debt collector for {$220.00} for Illinois State Toll Highway Authority. I want them stopped because this is NOT a debt I owe and I am reaching out for the number of people who fall for this scam. The collection comany is Professional Account Management , LLC, XXXX XXXX XXXX, XXXX, WI XXXX. The number to call is XXXX. The web address is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
SOMEONE STOLE MY IDENTITY AND OPEN UP SOME ACCOUNTS THAT I HAVE NO KNOWLEDGE OF I AM A VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-05-31
Company: Experian Information Solutions Inc.
State: CA
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:
The credit bureau, Experian has failed to comply with my 2 previous attempt to dispute and properly investigate the inaccuracies on my credit report. I send a letter on XX/XX/2020 requesting my accounts to be removed and on XX/XX/2020 I received a letter requesting information to verify my identity. This is an unethical stall tactic they are fully aware of. I have sent them my ID and a utility bill for proof of current address with the dispute letter twice. I resent a letter to Experian on XX/XX/2020 and they responded with the same automated response letter requesting more documents to verify my identity. I have attached my supportive documents to reinforce my claim.

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 2023-02-15
Company: ROBINHOOD MARKETS INC.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We made a transfer to your spending account XXXX XXXX, We made a transfer from your brokerage account to your spending account to resolve an issue with your account. Please note that this doesnt happen often and were sorry for the inconvenience. If youd like more information, please contact Robinhood XXXX. 
Here are the details of the transfer Amount : {$5300.00} From : Brokerage account To : Spending account Date completed : XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have reached out to XXXXXXXX XXXX  about Wells Fargo to try to save our home. This is a fraudulent foreclosure. Attorney XXXX XXXX was assigned to this case and was disbarred for fraudulent foreclosures. The note is lost and the assignment of the mortgage has been changes several times. Several complaints has been filed with CFPB about this matter and this debt is part of the XXXX dollar fine CFPB has filed against Wells Fargo for fraudulent foreclosures.This is an opportunity for XXXXXXXX XXXX  to save a home for a XXXX XXXX XXXX and 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 explanation
Consumer complaint received 2020-03-10
Company: EQUIFAX, INC.
State: UT
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:
XXXX  # XXXX is reporting an account to my credit with a balance that should not be on there. This has been paid off for some time and is still reporting a balance and I need this removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act 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, both of these creditors has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Durham & Durham, LLP
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:
In XXXX of 2020, I had a collection agency, XXXX XXXX XXXX XXXX " PFS '' ) place a collection account on my credit report for {$310.00}. The original creditor is XXXX XXXX XXXX XXXX " XXXX '' ). The invoice was for my son, XXXX XXXX XXXX, not me. We notified XXXX and XXXX, however no change has been made to my credit report.

Company response to consumer: Closed with explanation