BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XX/XX/2017 {$720.00} PLACED FOR COLLECTION XXXX XXXX COMPAN ORIGINAL CREDITOR XXXX XXXX XXXX FRAUDULENT 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 2016-09-14
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
There is an account that is listed on my credit report for XXXX, that shows up as a derogatory account. This account was closed more than 8 1/2 years ago, and all of the credit reporting agencies still have it listed, and refuse to take it off. All it says on the report now is " Dispoute resolved, customer disagrees '' but I do not consider the complaint resolved

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 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 notified Transuion numerous times that I am a victim of identity theft. The XXXX XXXX account that is reporting on my credit report does not belong to me. I didnt not open it or have anything to do with it. and I would this fraudulent account removed from my credit report immediately.

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 2019-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
TransUnion is reporting incorrect information on my account regarding an account I held with XXXX XXXX XXXX over 20 years ago instead of personally verifying this information they are taking information from XXXX XXXX XXXX verbatim which is totally incorrect I talked to a XXXX representative yesterday Wednesday XX/XX/XXXX and they told me the account was closed on XX/XX/XXXX the drop off date per Transunion and XXXX XXXX was to be XXXX XXXX. XXXX XXXX  has just bumped it up to XXXX this debt is 20 years old! why don't you verify this information with the original creditor before you repeat false information that has affected my life for 20 years. this account has prohibited me from purchasing a home, a car, or credit. Someone should be liable for false information made public that affects a person 's entire life

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 2021-05-04
Company: Atlanticus Services Corporation
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed this account on my credit report. 

I disputed this account directly with original creditor. 

Original creditor failed to respond in 30 days FCRA violation. Sent certified mail. 

Dispute sent on XX/XX/21 delivered XX/XX/21 Their letter is dated XX/XX/21 and was not delivered until XX/XX/21 They did not provide information requested. 

This account needs to be deleted immediately for failure to validate the debt and provide supporting documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2018 I went to Wells Fargo at XXXX XXXX XXXX   and the Banker informed that I need Photo ID and debt card or another verification and make a deposit of {$25.00} said that with the United States that all Banks check credit to open account is that legal because many individual with the United States try to establish credit and open a bank account could be one form of establishing yourself what give any Bank or Financial Agency credit my credit or any one to open account if that was the case then they should not as for a deposit I use be former employee of XXXX XXXX  and the account that I have with them was not treated as employee account they charge me fees please investigate this Bank ensure that they operating according to United States Federal Regulation with opening accounts process all banking products with the United States and no discrimination against me and anyone else and all misconduct and mismanagement found all individuals involved be convited according to United States Federal Regulations

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 2020-12-14
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX alerted me to a negative remark on my credit. I called the Doctors office. I was told they sent for statements. The office confirmed my mailing address and the address was wrong. They employed XXXX XXXX XXXX in XXXX Ohio to collect. I never got an invoice or a phone call. My XXXXredit score has been harmed 73Points, not I am unable to finance a new car. My credit score was XXXX. My credit was destroyed with no written notice, no phone call. When I spoke with the office at the doctor they said they were submitting the bill to my insurance again yet my credit was ruined by the Dr office and XXXX XXXX XXXX of XXXX Ohio. Had it not been for a notice from XXXX XXXX I would not have known about this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a call from my mortgage company " Quicken Loan '' " XXXX XXXX, stating my loan qualify for a FHA Streamline refinance and I will not have to come out of pocket at closing. He stated no appraisal fee, but he would need to pull my credit. I reached out to a Banker at Quicken to verify the refinance was a not scam or fraud.

I allowed Quicken " XXXX '' to pull my credit on XX/XX/21 and I qualified for the refinance. 

The next day XX/XX/21 XXXX called me and stated my interest rate would be XXXX and my monthly payment would be {$820.00}. XXXX in turn told me it would be a FHA closing fee of {$2200.00}. Quicken " XXXX '' told me it would not be any fees coming out of my pocket. 

The same day I reached out to XXXX XXXX, CEO on XX/XX/21 asking for help and why would XXXX come up with a fee at closing when i ask him before he ran my credit. 
I stated in the email to XXXX XXXX, CEO I would have never allowed my credit to be pulled if I had to pay any type of fee. I asked for his Help. 

A XXXX XXXX emailed me and I called him, XXXX stated he want to solve the issue, sure he does? He state the {$2200.00} was the " upfront mortgage premium '' 1.75 % would go to FHA. I stated to XXXX I will call him back and I emailed him as well on XX/XX/21 he never answered my call or emailed me back. 
I verified with FHA and it is true regarding the " upfront Mortgage premium. '' I do not know how they are going to make this issue right. They need to make this right with a letter to the Credit Bureaus stating the Hard Pull on my credit need to be a Soft Pull because of " misleading and unethical practices from the Lender. '' This type of under handed process has cause me to distrust them. Not only that, Quicken " XXXX '' should have known it would a fee at closing. 

Shame on you Quicken Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: Certegy Holdings, LLC
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
Received a money order from a person that had me work on their vehicle, and when I tried to cash it, it instantly got rejected, which made me be out of money out of gas in the XXXX parking lot with no service on my phone to contact anyone for help .... now getting turned into collections for something thats out of my control. AND when I call the number on the notice they sent me in the mail, its continues to say that number is not a working number... am I going to have to get a lawyer for all this because Im in the middle of something I have zero control of and I personally think its 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 2017-12-01
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Citibank does not properly disclosure how the state the account is created in impacts your future use of the account. I had a Citibank account in NY for 10 years. Then I created a joint account in California. The accounts can not link or work together. Then when I created a third account online ( so it would work with the NY account ), they said ALL my accounts would be cancelled if I did n't verify the second signer address ( despite having just done that in branch ). I was not informed of this at creation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I am writing to dispute the following information in my file. I recently received a copy of my XXXX credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: HW Holding, Inc
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:
During 2016 I was a victim of identity theft. There were several accounts opened in my name, and 3 apartments. I didn't know that I was a victim of identity theft until I saw a lot of unauthorized inquires on my report, and negative collection accounts. I have been working to get all of them removed and as of today all are gone except this account. I have sent multiple letters to this company and proof of identity theft but it still isn't gone. Over the past 2 years they have removed it multiple times but end up adding it back a couple months later. I would like this account to be permanently removed from my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-22
Company: CITIBANK, N.A.
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:
I have always paid my bill online every month with a company using their websaite and they always show that they receive my payment. however, one time this bank sent me notice in 30 days that they never received the payment even when the website said they did. This caused a late pay to show up on my report. Their website clearly stated when i made the payment that it was made on time initially. I have tried to get the negative reporting removed with the company as well as thru the bureaus but have had no success.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: RGS Financial, Inc.
State: LA
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 had several account, that don't belong to me or that aren't correct. The accounts are as follows : RGS Financial acct # XXXX   Phone # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Original creditor ( XXXX XXXX  ) Never had this account, didn't sign for it or authorize this account to be issued.

XXXX XXXX Acct # XXXX Phone # XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX original creditor ( XXXX XXXX XXXX  ) I went into the ER and I had insurance, my insurance company, didn't notify me I had a small balance due. Nor did the service provider notify me via phone, mail or email, that there was a balance due. XXXX XXXX, didn't notify me of any debt, via phone, mail or email.In order to place a medical bill on a credit report, as a negative account, the debtor must notify and provide a certain period of time, to cure the balance prior to placing it on the credit file. Not notification of any kind was provided, to me as the consumer. Per the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
NationStar/ Mr. Cooper account # XXXX is intentionally applying my extra payments incorrectly. The extra money should be credited towards the principal of my loan. I pay additional money towards my principal every month. However, they are applying part of the extra money t towards lenders paid expense fee when I have not late payments on my statements, no escrow, or any additional fees. I have not signed any a contract agreeing to a lenders expense fee. It is not clear to me what this fee is and Mr. Copper is not able to give me a reasonable explanation. I would like Mr. Cooper to provide supporting documentation for these expenses and fees and showing why this money isn't being credited towards my principal balance. I would like documentation from the initial date of my loan that supports why these fees are being charged and a contract with my signature. I would like all these fees removed from my account and credited towards the principal balance of my loan. 

I have attached some recent statements that do show I owe any additional fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
Chase reported that my Chase auto account is delinquent. It is current paid on time as agreed. They reported that my balance is {$28000.00}. My balance is really {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: EQUIFAX, INC.
State: AZ
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:
see incoming XXXX of cow XXXX from all bureaus. All accounts are updated " with disputes '' claiming they will be removed XXXX. 

Disputed accounts were opened in XXXX or earlier AND CAN NOT BY LAW BE POSTED UNDER ANY FILE beyond XXXX. I formally demand all bureaus compliance forthwith- to include TAPE ARCHIVES destroyed of all accounts- all sub accounts- and all associated companies TAPE ARCHIVES and other stored data also be destroyed. 

If accounts are not reporting- then I further can not be lawfully liable -even internally to ANY COMPANY - whether I have had relations in the past or not with said company. XXXX doesnt seem to understand this facet of federal CONSUMER PROTECTION law. I will dare sue XXXX XXXX and XXXX XXXX if they continue to persue debts. This also goes for XXXX and XXXX . I OWE NO ONE- I WILL OWE NO ONE. CAR and house notwithstanding- I should not legally be denied for either- yet I am - based on continued UPDATED SLANDER which no company or bureau will compensate me for. Instead bureaus lower my score in retaliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been contacting and working with Navient [ again ] for the past 13 months, [ last XX/XX/2018 i contacted and tried to get my Loan modified, and they turned around and AGAIN changed the terms and payment and have me pay ever MORE, by charging me for a " Forbearance '' and charging me over {$63.00} PER MONTH, just to use the Forbearance, while adding to my overall penalties from the last time they extorted me from over 20 years ago, and my loan then was {$10000.00}, now it is closer to {$16000.00}! 


I have talked to NUMEROUS people and agents, and they always have steered me to wrong options and financial choices, on trying to repay the student loan, as i wanted a INCOME BASED PAYMENT, and Navient [ after numerous requests! ] does not send me the payment history [ i have paid this for over 10-13 years BEFORE I LOST INCOME! ] and the payments keep going up since MY payments only include the interest NOT the principle of the loan! 


I have been VERY PATIENT, and have most documents and old papers they have sent to me for the past 27 years and more! My school closed down, [ XXXX XXXX XXXX XXXX ] after the months i graduated. I have not found much work as the school was a fraud! 

CAN you help me with dealing with them, as i suffer now from XXXX and maybe have to drop out the work force! 

If you can help i think i can provide much more. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: WELLS FARGO & COMPANY
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:
open date XX/XX/2013 it shows a 30-59 day late on my credit report the car was traded in a month before so the new dealership sent pay off check late have documents to prove the date

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: Collins & Hilton Asset Group, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent the XXXX XXXX XXXX a letter and they refuse to remove this debt from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
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: Information belongs to someone else

Complaint:
Hello, I kindly ask you to help me to remove the account that I do not recognize. I am requesting that you delete information off from my credit report because I am not connected to this account. Its an Identity theft. I do not know how this item ended upon my credit report, but I never signed for or agreed to this charge. Please remove it from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I'm a recent widow of a totally and XXXX XXXX veteran, who passed XX/XX/XXXX. VA stopped payment of pension in XX/XX/XXXX7, mix up of claims prior to purchase of modular home. For fives years we have been putting in claims for service-connected compensation. No monies have be received since. Have paid mortgage up until XX/XX/XXXX. Husband has had symptoms of XXXX XXXX   and last base was XXXX XXXX  for three ( 3 ) years.

Have notified, mortgage company of death, and asked for a deferment until DIC and Pension are received. Have the office of representative of the congressman helping to expedite claims. In the mean time the VA have paid my utilities for one month and I haven't received SSI yet.

In desperate need of assistance, as I'm a senior with no money as of yet.

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