BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: CT
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: Problem with personal statement of dispute

Complaint:
There were 4 late payments being reported on my XXXX XXXX account to the credit bureaus and they are not accurate. During those times, it was Covid related situations. I should not have had those reported as late if we were still dealing with the virus.

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 2022-04-25
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX agreed to delete their account from my credit if I satisfied the balances. I have done so and XXXX XXXX has yet to delete the accounts. Please delete. XXXX XXXX has FAILED to respond to the CFPB and me in my previous complaint. Please see the response in my precious CFPB dispute. 

# : XXXX # : XXXX # : XXXX # : XXXX # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear Sir/Madam : I had/have Previously Submitted a Complaint/Request for Assistance, and the Consumer Complaint Number # XXXX, against XXXX XXXX XXXX XXXX XXXX, Loan Number # XXXX. On today, I received a letter dated XXXX XXXX, 2017, from Beneficial. 

That letter at Paragraph 3, references a Lien for XXXX XXXX XXXX, that Lien was disposed/avoided of in the Federal Bankruptcy proceedings, after the XXXX  XXXX XXXX did not challenge it by the Federal Bankruptcy Judge. Beneficial was provided a copy of that Court Order by my Bankruptcy Attorney ( XXXX XXXX XXXX ), that handled my case, after Beneficial refused to acknowledge the copy of the bankruptcy proceedings that I sent them. If Beneficial has provided you with a copy of the XXXX XXXX, 2017, letter that I just received from them, please note that they have omitted that document? I have provided as an attachment a Copy of that Court Order from Judge XXXX for you to review. How is it that Beneficial forgot to provide that document to you, this in itself is the whole basis for the Complaint against them. Beneficial has willfully and knowlingly not submitted documents that prove that I am right. Additionally, XXXX XXXX has never submitted any documents, be it letter or Confirmation from XXXX XXXX XXXX that Lien is still Valid. I also contacted the XXXX XXXX of XXXX XXXX, which handled the bankruptcy proceeding on XXXX XXXX XXXX 's behalf. In view of this information and the statements made by XXXX XXXX XXXX XXXX, in that letter dated XXXX XXXX, 2017, they must provide proof of whom and when they spoke with at XXXX XXXX XXXX, time, date and Phone Number, so that Debt Lien can be acknowledged. 

XXXX XXXX XXXX XXXX, must not be allowed to Pawn this off on " XXXX  XXXX XXXX, XXXX, as they had nothing to do with the information being provided by XXXX XXXX XXXX. As you now have the Court Order that Beneficial did not provide you with, and no way of knowing who from Beneficial spoke with whom at XXXX XXXX XXXX XXXX and when, that needs to be resolved in writing by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: WELLS FARGO & COMPANY
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Again XXXX monthly statements for XX/XX/05 and XX/XX/05 They may appear to have matching amounts, however if you notice the small difference in the amounts on both statements. XXXX XX/XX/05 statement XXXX XX/XX/05, as small as the discrepancy how is it possible to be wrong on both statements?

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 2021-11-27
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The car was repossession the amount own on the car was around 9600.00 dollars the car was sold buy the company for 4800 dollars and it was applied to the amount of 9600 even know the 4800 with to the 9600 my credit report have not changed after calling and writing the.

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 2018-10-02
Company: EQUIFAX, INC.
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 have filed a dispute with Equifax for 6 consecutive months on my XXXX XXXX Account. They are reporting the same account twice. After every investigation I am told that those accounts have been verified despite my dispute asking them to delete the duplicate accounts. I only have 1 account with XXXX XXXX. Equifax has the account listed twice with the same account number, amount, and terms of agreement but only two days apart. I explained to them each and every time that no company will give a consumer the same loan for the same account days apart. I have completed 4 online disputes and 2 disputes over the phone with an agent. After reviewing the investigation results, I immediately call the company just to be informed to do the process over again while engaging in an unprofessional dialogue on their part. The main manager by the name of XXXX with the dispute department has been very rude throughout this process. One more than 2 occasions, I have had to tell her to stop yelling in my ear, when I continued to ask her to explain why they keep giving me the run around. I have contacted XXXX and was told by them that they are only reporting once to Equifax and it is an error on their part. They said their hands are tied becasue they are doing what is required. I called to relay the informtation to Equifax and they continue to say that XXXX is reporting twice due to their investigation.They keep asking them to verify the account but is is obvious that it is not being investigated because there is no way XXXX is verifying erroneous information stating that they gave me the same 1 loan on two separate days only days apart with the same amount, account number, and term. This erroneous reporting is negatively impacting my overall credit score which lessens my chances of making favorable purchases. Please assist, I dont know what to do at this point. 

I have repeatedly asked them to delete the duplicate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Rocket Mortgage, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
i have refinanced my home and got a new mortgage, i logged inn to the new lender site and follow the instructions on the payments and sent the payments. i got a conformations the payments where made. 
after 2 month of payments my credit dropped 130 points i call to see where is the issue from they told me its the mortgage. the mortgage company never sent me any notice nor email or letter, when i called the company they told me they tried to call me, i naver got a call from them as well. i have paid it as soon as i found out and made sure the information is correct for the future. 
i occupy this property as a primary resident and i never got any letter from them. i requested a copy of the letter that they claimed to send, its says on it draft unsuccessful witch only proving they never sent anything, as this is not my fault and i never had a late payment, i request it to be removed from my credit asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: EQUIFAX, INC.
State: TX
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:
Ive disputed inaccurate information multiple times with all bureaus to get the same result the two bankruptcys on my report are totally inaccurate and need to be removed immediately.Where is this information being verified? Between all bureaus the information is different names and reporting dates .Being said this grounds for removal per FCRA! Please Remove immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
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: Public record information inaccurate

Complaint:
I've disputed the Bankruptcy on my Trans union report that still reflects on my report Dated XX/XX/2016 multiple time and will continue to do so. My last response from trans union was that it was verified by XXXX XXXX XXXX TEXAS. I have spoke with the courts and they do not provide such information nor have i had a bankruptcy neither XXXX nor XXXX reports this attached is supporting documentation from the court. I ask you to please remove this from my report immediately. Thanks

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 2023-03-17
Company: Resurgent Capital Services L.P.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account is fictitious and goes against Indiana state " 34-11-2-7 ( 1-2 ) '' and needs to be removed. Cease and desist 15 U.S. Code 78u3 all communications with me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
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: Credit inquiries on your report that you don't recognize

Complaint:
There are 18 unauthorized inquiries on my credit reports that appear to have come from some credit phishing scam. They are listed below : 18inquiries These lenders have accessed your credit file : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XXXX XXXX  XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX  XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date A

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
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: Personal information incorrect

Complaint:
Equifax has mixed up my information with my sisters who lives in  XXXX   XXXX . I 'm a client at  XXXX   XXXX  #  XXXX , they have worked with equifax to correct the problem. My sisters name is  XXXX   XXXX , she was married with the name of  XXXX . My name is  XXXX   XXXX , that is my maiden name, I have never been married and I have never lived in  XXXX . I have always been a   XXXX   resident. Although I faxed equifax my birth certificate and social security number and state license, the current address on my report is a  XXXX  address which I informed them was not mine but my sisters. They refused to correct this and have allocated my information to my sisters file. Her house, car, loans, children 's car loans were put on my file even though she has a different ss number and dob. All of my legal documents and business accounts are in my legal name which is  XXXX   XXXX  I 've been dealing with this for over 6 months, and could not apply for a mortgage as this information is incorrectly reported by equifax. Please help me I 'm not rich enough for further lawyers and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..I disputed the accounts with the credit bureaus for months but they did not take any steps to remove the accounts..CFPB Please step up and delete the accounts UNKNOWN XXXX, XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have repeatedly attempted to close ALL of my accounts with Fifth Third, including filing a CFPB report after my grandparents, who are not associated with the account, received personal account information about my account. I am not sure why 5/3 is unable to close my accounts but I want ALL ACCOUNTS CLOSED. I submitted my initial request to close my account in XX/XX/2014 and they still are not closed. 

I feel as though 5/3 is fraudulently maintaining my account. There have been several requests for accounts to be closed and they will not close them. I'm really not sure what is going on or why 5/3 has maintained my accounts as opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-21
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:
XXXX XXXX  sent debt validation to XXXX XXXX  on XX/XX/XXXX on my behalf. The company responded on XX/XX/XXXX with a letter asking me to provide basic information about me. ( Document attached ). I have sent letters with attached documents and nothing has Beem done to remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX IS STILL REPORTING THIS ACCOUNT TO MY EQUIFAX REPORT WITH OUT VERIFYING THIS ACCOUNT WITH PROPER AND SIGNED DOCUMENTATIONS BE AWARE THIS COMPANY IS TRICKY AND TRY TO COLLECT MOENY YOU DONY OWN THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft, CFPB please step up and eradicate Bankruptcy chapter XXXX-dismissed 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 2020-12-06
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have sent proper documentation to each credit bureau about a bankruptcy reporting that is displaying inaccurate, incomplete information. I sent copies of all 3 credit bureaus side by side showing the inaccuracies. You must have a financial amount paid/owed/discharged on a bankruptcy. You must have the correct date of discharged and correct filing dates and all accounts under the bankruptcy that were discharged and the amounts. The credit bureaus failed show this information. The also must have the correct account number and name of the court. They failed to display accurate and complete information that coincides with each other. I showed them that they are reporting differently on each report and they have still not removed the inaccurate information from my credit profile, which is a direct violation of my rights as a consumer.

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 2018-10-26
Company: The CMI Group, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently pulled my credit reports and discovered that I had a collection on there from Credit Management LP and the date the debt was assigned was XX/XX/2017. On the report it states that I had an original balance of {$80.00} and that my current balance was {$0.00}. After doing some research on what and where this debt could have came from, I discovered that it was from when I stayed in an apartment where cable was provided. I turned in all the equipment that was issued to me and now I am wondering why is this particular debt on ALL three of my credit reports. I did not have any knowledge of this debt and it is not fair for this to be reporting negative on my reports hindering me. If I do not owe anything then why are they reporting negative against me.

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 2021-01-25
Company: WAKEFIELD & ASSOCIATES, INC.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I went to the Hospital Emergency room for a XX/XX/XXXX on my XX/XX/XXXX that neededXX/XX/XXXX. Upon arriving at the emergency room I gave the clerk my 3 medical insurance cards. A few months later I received a notification from this collection agency about the past-due bill for my ER visit. I wrote to them in XX/XX/XXXX explaining that I gave the hospital representative my medical insurance cards and that my insurance was never billed for the visit. Therefore I was baffled that I received a collection notice. In the correspondence to the collection agency, I included copies of my 3 medical insurance cards that I had presented to the hospital explaining that my insurance was never billed for the visit. Explaining that the normal procedure is the insurance is billed and after they pay if there is a copayment requirement for the service I would pay it. Once I received the bill stating what the insurance paid and what I was responsible for. On XX/XX/XXXX I received a second notice from the collection agency who I guess has not queried the collection with their client but is insisting that I pay XXXX cash even though I sent them and their client the hospital my 3 valid medical Insurance cards. Yesterday I was notified by my credit reporting agency that a new collection account for XXXX was placed on my credit report. This is totally unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I just received new credit reports from Experian, XXXX and XXXX. All 3 have inquiries that I did not authorize. I have called some of the companies and they told me to get with the CRAs to remove them. The CRAs are neglecting to remove the inquiries, stating that they are Factual. If they are factual show me my ohisical signature authorizing each of those companies to review my credit file.

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 2023-06-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am an American citizen living abroad who has been a customer with HSBC Bank USA since XXXX. 

In line with best practice, I havent touched my Traditional IRA account ( # XXXX ) and have had no plans to do so until I reach retirement age. 

However, Ive recently realized that I stopped receiving account statements. When I called the HSBC customer service numbers on two occasions, the agents stated there is no record of my account. 

In XX/XX/XXXX, I sent a detailed letter via registered mail about the situation to HSBC USA Headquarters in New York but have not received any response. 

I am now very concerned that the money in my account may have been misappropriated. 

To resolve the problem of my missing Traditional IRA account, I would appreciate your support to find out how I can confirm that my funds are still available to me as well as information about how I can reactivate and access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: OneMain Finance Corporation
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
OneMain Financial i never did anything with that I don't know why its popping up on my credit as hard inquiries

Company response to consumer: Closed with explanation