BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-11
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I was trying to figure out how these address on my credit that are not mine. 
I live at XXXX XXXX XXXX, XXXX, OH XXXX this is my only address. please delete all others. my employer is XXXX XXXX. Please remove any other employers. 
my DOB is XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-24
Company: BARCLAYS BANK DELAWARE
State: TN
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 was sick with covid in XXXX and tried to contact the Barclay to let them know I needed to be in a hardship plan or cares act and could not get enroleld. I would like this late payment removed. I have a Visa Black hard and XXXX  rewards card. they reported them both as 30 days late.

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 2021-07-07
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My complaint is with Midland Credit phone number XXXX XXXX XXXX XXXX. 
They called me about a year ago and said that I owed XXXX. I am not sure if it is a credit line or a loan. They would not tell me. They claimed it was through XXXX XXXX, of which I do not have an account. They asked me to share my social security number with them but I did not as it is not safe and if I did owe them money they should already have it? I ended the phone conversation and contacted XXXX. XXXX confirmed that I did not have an account with them so I assumed this was all a scam. 
Yesterday, I was served papers by our local sheriff department about this same account. I met with an investigator at our Sherriff 's Department and he advised me of steps I should take. One of which was reporting this to you. I think I reported the original phone call when it happened but wanted to be sure and report their continued harassment concerning a loan or credit line that I did NOT open. 
Also, he asked me to check all 3 credit reports and there is no delinquent debt of this nature on it. However, Midland Credit does show up under my " Account Review Inquiries '' section. Which means they have access to my information for promotions. I am working to stop these inquiries. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-13
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, LoanCare / XXXX have destroyed my credit and my mother 's credit due to their incompetence in my loan servicing and reporting. My payment was sent in XXXX for XXXX and XXXX payment and I make sure that the instruction was properly relayed to LoanCare / XXXX, but they maliciously applied the payment to XXXX only and reported my mother 's and my payment late to the credit bureaus. I have spent more than 60 hours trying to have them rectify this situation to absolutely to avail. Every time I call, I'm told that a letter will be sent out to me stating that I'm not late on my payment, but up till this moment, that letter is yet to be issued. My credit score have dropped from XXXX to now XXXX from my recent inquiry of XX/XX/2020. I have never been late on my mortgage payment and this seems like a systemic bias becasue every time i call, I'm being placed on a 58 to 2 hours hold without anyone assisting me. Today I called and spoke to a Mr. XXXX ID # XXXX who then placed me on infinite hold that lasted for more than an hours with the automated system stating that there is no one available to take my call. I'm currently unable to refinance my home from a 4.75 % interest rate to available 2.50 % rate. My mortgage broker, Mr. XXXX XXXX have relentlessly attempted to assist me to no avail as well. Him and I have been calling for more than a week now. LoanCare / XXXX have destroyed my credit and now might make me loose my home. I need help asap.

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 2021-07-07
Company: Experian Information Solutions 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:
All I am asking in accordance with the fair credit reporting act I am pleading with Experian to investigate said claim : XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX Please call as you will find I never applied for credit at this company nor did they request a copy of my credit report. Nor do they have record of my ever applying for anything

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 2021-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 noticed that there a inquires on my credit report that I did not authorize. I have never applied to these companies and have not given verbal or written authorization for anyone to review my credit report. I have completed a police report & identity theft report and I want these things deleted. I notified Transunion about this months ago and they have not done anything at all. I am attaching the documents in hopes that you can help me get these things gone 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 2018-11-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been 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 2020-05-12
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I have been to SunTrust two times to place a check an my checking account and they would hold my money to I had the money an my account to cover the funds, the check was from a approve loan company, why would I need money from a loan company if I had money!!

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 2018-11-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted all 3 Credit Bureaus regarding the reporting of inaccurate and unverified information that they are continuing to report on the credit report file they maintain under my social security. I have been disputing the inaccurate public record Bankruptcy information with the credit Bureaus. 
XXXX conducting an accurate investigation and found the information to be inaccurate and promptly delete the public record from the credit file maintain under my social security number. Please see attachment. 
Experian repeatedly stated that the inaccurate public record information is accurate and verified through a third party vendor ( XXXX ), which is a clear violation of the FCRA. 
Experian refused to follow the law that govern its company and continues to report the inaccurate information on my credit file. 
The FCRA is clear and there is nothing to interpret or misunderstand. Each bureau does not interpret the law differently, as the language is clear as to what must be done once disputes are received. 
Experian repeatedly refused to provide me with copies of any original bankruptcy documentations, which is a clear violation of section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the FCRA.

I contacted Experian and request a Reinvestigation. Experian stated that a Reinvestigation will not conducted unless additional relevant information to support my claim, which also a violation of Sections 611 ( a ), 616 and 617 of the FCRA, 15 U.S.C. 168 ( a ), 1681n, and 1681o. 
In good faith, I have made all attempt to have the court verified the accurate information to Experian. The court stated that it doesnt transmit information to the credit bureaus. Please see attachment. 
Experian have showing negligent and willful failure to reinvestigate the dispute. And continues to report this inaccurate information which causing severe damage to my credit report and Fico score. 
Please note : This is a very serious matter. The inaccurate item must be properly Reinvestigate, legal verified/validate with proof or remove pursuant to section 611 of the FCRA. 
Thank you for your time and consideration regards to matter.

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 2018-08-11
Company: GREAT LAKES
State: AK
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid a monthly amount to XXXX XXXX thinking it was going towards my student loan debt, unfortunately it wasnt. Every service they provided me I was already doing on my own, I honestly thought my low monthly payments was paying my student loans. The monthly payment was for their service, and Im really disappointed because i didnt call them or talk to them them and I still got got charged monthly service fees. I cancelled with XXXX XXXX, asked for a refund and would not give me it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for Macy credit card and it turned out it was rejected again because they couldnt verify my identity but they were able to call me on my phone number with the fraud alert on my credit report and unable to give me any alternative so I can get approved for this credit card and I ask that lady if I could fax a copy of my ID and my social security card she she that impossible and that I need to wait for a letter to come in my mail for 7-10 days which its crazy and Ive been trying my hardest to get this credit card and I explain to the rep that I had my phone for a year and it was registered with public records and the other creditors

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 2018-08-11
Company: Ameritech Financial
State: AK
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid a monthly amount to Ameritech Financial thinking it was going towards my student loan debt, unfortunately it wasnt. Every service they provided me I was already doing on my own, I honestly thought my low monthly payments was paying my student loans. The monthly payment was for their service, and Im really disappointed because i didnt call them or talk to them them and I still got got charged monthly service fees. I cancelled with Ameritech Financial, asked for a refund and would not give me it.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-11
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am XXXX XXXX XXXX, XXXX XXXX and owner of XXXX XXXX XXXX. TD Bank has been calling my business more than once per day seeking a debtor. I called TD bank on Friday XX/XX/18 and requested that they stop calling my office. I gave them the name of the person they were calling about. I told them I would report them to authorities if they called even one more time. Today ( XX/XX/18 ) at XXXX, they called again. The calls are coming from XXXX. Today the agent 's name was XXXX and she was agent # XXXX. I did not get the name of the agent I called yesterday.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: CITIBANK, N.A.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I spoke to someone from Citi bank who was willing to help me until I decided to close my account because of promotion ambiguities. I was told, " Okay, one second. '' Then, I was placed on hold for 25 minutes in an attempt to get me to disconnect my call. 

If I didn't close my account, I would have been assessed $ 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 2018-11-14
Company: WELLS FARGO & COMPANY
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

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 2021-07-07
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 status incorrect

Complaint:
I have sent out disputes to the bureaus and I have received no letters or calls or anything from them. I have inaccurate items reporting on my file that need to be removed. I will upload the most recent letters I sent but there have been others. Please fix immediatley.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CAPITAL ACCT is claiming that I owe them {$220.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
US bank credit card has been trying to collect {$100.00} debt on a fraudulent transaction that I disputed 5 months ago. As a result of the fraud, I closed my account in XXXX 2017 and paid off the balance, now 5 months later, US bank suddenly said I owe them {$100.00} after closing my account on a {$0.00} balance.

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 2021-06-23
Company: On Q Financial
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Previously, the lender failed to pay the insurance on the property from the escrow account. After calling, promising the issue has been resolved, I continued to receive delinquent notices from the insurance. The bill which was due I notified them of the delinquent payment on XX/XX/2021. The bill wasn't paid until XX/XX/2021. 

Currently, the lender has failed to pay the property taxes from the escrow account and there is a late fee. I was told this has been " escalated to management '' but I can not contact anyone, and can not get them to just pay the bill. 

This appears to be a habitual problem with their escrow 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 2022-03-29
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:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2021-03-03
Company: Mr. Cooper Group 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: Investigation took more than 30 days

Complaint:
My mortgage company, Mr Cooper is not reporting our good payment history to the bureaus. They stopped reporting back in XX/XX/2018 when they changed names form Nationstar to Mr Cooper. They also as our mortgage company have been sending us refinance sales literature but when trying to refinance they tell us lies about why the bureaus can not give them a score. 

You see, we are debt free except for Mr Cooper who holds our mortgage. I have spent over 56 hours, about twenty letters to them and have only received two back stating we are worming on it. This has gone on long enough. My attorney has also received a letter that states, we acknowledge your letter, But wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: WELLS FARGO & COMPANY
State: WY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Im writing this letter with the hope you can intervene and get Wells Fargo to properly review my loan for assistance options. My issues started in XX/XX/2016, when I took a new job that at the time, felt like a huge opportunity. 

But my first paycheck bounced. It was a nightmare! I worked constantly but wasnt able to pay my bills. Things started to pile up. Late fees added up. It didnt seem like there was anything I could do to dig myself out of this hole. I tried my best, but two of my mortgage checks bounced because I was not being paid. Despite working and working, I couldnt depend the checks I was given would go through. I quit and took another job that paid less. 

I contacted the bank, but the only option they gave me was to pay everything. At that point, representatives stopped taking my calls. No one at the bank would speak to me. When I finally received correspondence, I was shocked to learn that I am in danger of losing my home.

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 2020-08-20
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
This company is wanting to offer a finance on a car that I supposedly own. They started calling XX/XX/XXXX, twice again on XX/XX/XXXX, twice on XXXX, three times on XX/XX/XXXX, three times on XX/XX/XXXX, four times on XX/XX/XXXX, two times on XX/XX/XXXX, twice on XX/XX/XXXX, three times on XX/XX/XXXX, three times on XX/XX/XXXX, and again this morning, When I did answer the phone one time, I asked them to remove my name from their calling list. They wanted to know what my phone number was. Since they called me, I told them they already have my number and to please quit calling me to no avail as they keep calling me. I think 26 times is definitely harrassment. Please advise what further action I need to do to keep them from calling my cell phone.

Company response to consumer: Closed with explanation