BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2021, I disputed XXXX, XXXX account on my consumer report via Experian as inaccurate. The account showed a balance of {$680.00} and listed XXXX XXXX as the original creditor. According to CongresXXXX, once I dispute the validity of any alleged debts, I will be provided with all 5 requirements to validate the debt pursuant to federal law 15USC1692G. I never received validation. On XX/XX/2021, I contacted Experian and on XX/XX/2021 I contacted XXXX and XXXX via telephone and informed them of the invalidated and inaccurate information being reported. I asked all involved to stop communicating and reporting for all purposes in regards to me, the consumer, because I, XXXX XXXX XXXX never directed them verbally or in writing to report or communicate anything about me. On XX/XX/2021 and XX/XX/2021 I submitted a complaint via CFPB website. On XX/XX/2021 I contacted XXXX, XXXX via telephone. Representative XXXX asked for my social security number to verify my identity and I replied I did not feel comfortable with giving out my social, and asked if there was another option to verify. XXXX asked me to confirm my first and last name and address, I confirmed my name and stated XXXX had an old and bad address and that I did not currently have an address. I asked XXXX for a copy of my contract and a payoff quote to be sent to me via email. XXXX replied they were a collection agency and could not provide me with the contract but confirmed the balance on the account as {$680.00}. XXXX stated they could offer a settlement offer of 45 % which would bring the balance to {$370.00} to settle. XXXX then directed me to the website ( XXXX ) and stated everything I was asking for could be found online. XXXX confirmed my account number and information I would need to login online. I downloaded the exhibit offline from the website. As of today, XX/XX/2021, XXXX, XXXX is still being furnished on my consumer report via Experian. I, XXXX XXXX XXXX, never gave XXXX, XXXX permission to report anything to the credit reporting agency pursuant to 15USC1681b ( a ) ( 2 ).

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 2021-02-14
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My husband was ill for 10 years and passed away in XXXX. Without my knowledge he had accumulated almost {$50000.00} in credit card debt. As executor and widow I contacted each card company. They all forgave the debt except Wells Fargo. After numerous times of contacting them they offered to send me a copy of all of the activity on the account. When I saw it I realized what had happened. Yes, I opened the account in XXXX in Florida, under my name only. I needed to pay off property taxes in Florida which my husband disagreed with my doing. The balance was paid off by XXXX, I put the card away with a note do not use. My husband had to have gone to the bank to even find out about 6the cared and available credit. They gave him the card without my permission and he ran up {$13000.00} of debt without my knowledge mostly in cash withdrawals. Wells Fargo says I am responsible for this debt since my name is on the card. I have made payments on this card and down to half. I have asked about settling the account. They are not willing to do this. I have contacted the fraud department and have not heard from them. Wells Fargo had no right to make this account available to him. I am a widow, on a fixed income, trying to get my finances in order for moving out of my family home. Do I have no other recourse? Should I just stop paying it, ruin my credit score and then see if they will settle?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Transunion, XXXX, and XXXX are still reporting my auto loan with XXXX XXXX account number XXXX as open even though i paid in full on XX/XX/21 its already been almost 30 days and there still reporting this account as open it needs to be removed immediately from my credit file since I paid in full satisfactory

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 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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'm filing an official complaint with the 3 major reporting companies, " Transunion, XXXX, and XXXX ", this complaint derives from not only me losing my wallet and important personal information, but due to the fact that I've been incarcerated for the past 8 years, only to be face to face with this nightmare of my identity being compromised. I'm respectfully and peacefully demanding that these unknown and unauthorized accounts be blocked and removed immediately from my credit file ( s ). Please remove the following # 1. XXXX XXXX XXXX  # 2.  XXXX XXXX XXXX # 3 XXXX XXXX # 4. XXXX XXXX XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX # 6. XXXX XXXX XXXX # 7. XXXX  XXXX XXXX XXXX # 8.  XXXX XXXX # 9. 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 explanation
Consumer complaint received 2021-09-12
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 and XX/XX/2021 I sent letters re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of XXXX  and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I had ongoing problems when this company was called OCWEN, it is now called PHH Mortgage Servicing. During the big switch over, I was told I had to mail in my mortgage payment, so I did just that. I even wrote the check for XXXX in stead of the lower payment amount. The 'geniuses ' at PHH cashed my check and put the money in 'suspense '. They then proceeded to send me late notices and foreclosure notices. When I called to see what the problem was, as I had checked with my bank and the check had indeed been deposited. I was told they had no idea what to do with the extra amount of payment. I was very puzzled by this as in the past it had merely been credited to my principal. They finally credited my mortgage. Month two, I again was instructed to send a check, I did so, repeat first check problem, except this time I sent the exact amount ( so as not to confuse them again ). I again received late notices and foreclosure letters. I called and had the monies credited to my mortgage. Month three! same scenario. This is where the XXXX BPO fees came in ( which by the way have been added to my loan balance ) as well as a XXXX 'assessment fee '. From what the barely understandable ' customer service reps have told me, my deed will never be released until these fees are paid. This is a VA loan and I am a disabled senior Veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have already submitted complaints about my credit scores dropping for no good reason to XXXX and equifax. My reports clearly show that my payments are 100 % on time with no derogatory marks. This is a form of corruption that has to stop with these reporting agencies. are they working in cahoots with the insurance companies to make you pay higher premiums? It is good to know that president trump has gotten rid of your former CEO. He was no help with these issues at all. I will file a law suit against equifax and XXXX if they do not put my credit scores back to where they belong.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: JPMORGAN CHASE & CO.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have a loan with Chase Auto. Since XXXX they have been taking automatic/pre-authorized payments. I received a XXXX letter stating that Chase was going to repo my XXXX XXXX since I missed two payments. I called them thinking they just made a mistake. I was informed that they had a malfunction concerning automatic payments. They demanded {$1000.00} plus for two missed payments. I had no clue as well as I did not have the two payments in my bank. I asked them to place the two payments at the backside of the loan and I would make extra payments like I did when I stated Auto Payments. They refused to do so. I received a Credit Report and found out that Chase was charging me {$15.00} for late payments and reporting it to Credit Companies. I called them and asked once again why they are acting like I did something wrong. They said until I pay off the missed payments I would be reported as missed payments. I have been making extra {$100.00} payments to get the loan paid. How does a place as big as Chase miss taking payments and then threaten to take my car that I made payments for three years and ruined my credit that I was charged 24 % on a loan and refused a line of credit from my bank because of Chase making a error. I have sent letter to Chase and they have not given me any way to resolve the problem. Please help me fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: U.S. BANCORP
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My husband XXXX XXXX and I, XXXX XXXX are writing to report Mortgage Fraud. 

It was confirmed this year 2021, that we are/and for years have been victims of mortgage fraud ; because a bogus loan was created and sent to us by XXXX XXXX , and even though we did not agree with it or sign it, or return the paperwork after it came in the mail. 

Still, it was put into effect without our knowledge or permission. Our signatures were somehow applied, and this transaction was later presented to us, under the guise of a change in servicer, and transfer of a loan that, to our knowledge, we were already, actively making payments on. So now instead, we have been paying on a fraudulent loan for years. Our timeline is attached.

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 2019-04-23
Company: EQUIFAX, INC.
State: MO
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:
Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: The CMI Group, Inc.
State: TX
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 not received any documentation validating the debt that they are trying to. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23
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:
XXXX XXXX XXXX and XXXX XXXX XXXX have been paid in full and are ruining my credit i have been working hard so many years to fix my credit and theybare holding me back from my future. Please remove these 2 accounts immediately as they are paid in full and should be removed from my account immediately. We have been at was with these 2 companies for over a year and they are not updating there information please delete these 2 accounts 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 explanation
Consumer complaint received 2020-05-06
Company: LEXISNEXIS
State: OH
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 Lexis Nexis has refused to rectify an inaccuracy on my credit report. After filing a dispute, they claimed to have went through the entire investigation and found that their report was correct.

However, I personally reached out to the source ( the court ) and had them call to try and fix the issue. I had two representatives from the court prove and debate that information being reported was false. Moreover, Lexis Nexis representatives refused to put a supervisor on the phone on XX/XX/2020. Lastly, the Municipal court and I asked them if an identifier document was provided prior to adding the claim to a credit report. They refused to answer this question, too. It is unlawful for a company to place any claims on a credit report without an identifier document. 

This company 's processes and customer service is not sufficient to provide the proper care.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: HONOR FINANCE, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Honor Finance is reporting a balance of {$730.00}.

On XX/XX/2017, I spoke to XXXX who advised that the account was Paid in Full and that no balance was owed.

However, the report doesn't reflect that. After several disputes, the XXXX account updated to {$0.00} Paid after Charge-off, and then was later deleted all together, but on XXXX Only

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I contacted this company and informed them that someone opened an unauthorized account using my personal information and this is not my 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 non-monetary relief
Consumer complaint received 2017-11-28
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:
On XX/XX/XXXX, a Trans Union dispute for Incorrect Data on my credit report was started. It is still unresolved. XX/XX/XXXX ( XXXX XXXX XXXX XXXX ) Account shows open and in collections with a debt of {$820.00} owed to unknown debt collector. After several disputes via online, over the phone and through the mail, the incorrect info still remains on the credit report. Proof from XXXX XXXX, ( Stating that there is no amount of money owed/account does not exist ) was provided to Trans Union, along with other supporting documents to prove the case for removal of the incorrect information in the report on Friday XX/XX/XXXX. This mail with the supporting documents was sent via USPS with delivery confirmation, and has a tracking number of : XXXX XXXX XXXX XXXX XXXX XXXX. Currently the USPS has it marked as delivered. After the fourth dispute was unsuccessful in rectifying the matter, I am currently writing this. The company Trans Union has failed and is in breach with complying to the laws of the FRCA. I have suffered actual  damages, soon to be including court costs, attorneys fees, lost wages and, if applicable via the courts, defamation and intentional infliction of emotional distress and possible punitive damages.

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 2020-05-05
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a formal complaint that TRANSWORLD SYSTEMS INC are reporting inaccurate information. I am in distressed since finding out they have included the information on my credit profile, not only did they fail to maintain to follow the proper steps to determine wether the information was fraudulent, but they have continued to harass with out giving me the opportunity to defend these false claims. I am not in the best position to pay or lose money on an account that is not mine. As a matter a fact, they lack to do their due diligence, which is required by law, meanwhile I'm in distress because it's preventing me from obtaining a stable job. Please, I would appreciate any assistance with this misleading company. I have attempted to explain that this account was fraudulently opened to set me up for failure, and is now impacting my personal and professional lifestyle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I was impacted by XXXX data breach. Fraudster managed to open a checking, savings, money market and a credit card account with Sun Trust bank. I have received my XXXX  XXXX  comprehensive disclosure report and in it, I see that Sun Trust opened all these accounts without even asking for drivers license or any identification. They opened those accounts online with just SSN and Date of Birth and an old address where I lived in 7 years back. What kind of a bank does not do the basic minimum due diligence of checking the identity. My credit report shows that I have a mortgage and all my credit cards are showing a different address and still Sun Trust ignores all those fraud warnings and still opens those accounts. XXXX data breach impacted XXXX XXXX Americans and this happened in XXXX, we are in XXXX and look at the lax security practices followed by Sun Trust. There have to be some penalties for banks such as these which can not even do basic fraud 101.

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 2018-09-16
Company: Capital Accounts, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Capital Accounts LLC placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request Capital Accounts LLC to remove incorrect information off my credit report. More importantly, Capital Accounts LLC are in violation of FACTA section 623 ( A ) ( 7 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
To Account Manager : XXXX XXXX. It has just come into our attention that attorney XXXX XXXX XXXX is Unauthorized to Practice Law ( UPL ) in Maryland and that XXXX XXXX XXXX has a Forfeited Existence since 2015. Also, XXXX without the XXXX does not exist in the Maryland Business Express Database.

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 2017-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 am a victim of the inquiry issue I have called and called their customer service would not help and take care of the negative inquiries reporting to My credit report here 's a list of things that I want removed!! 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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