BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have wells Fargo XXXX XXXX XXXX card ending in XXXX. 
It has cell phone loss and repair protection plans. I am using this card to make payments for my monthly wireless bills. During XX/XX/2019 - I lost my XXXX XXXX phone. 
I reported this incident to this credit card company - some loss prevention program etc ... 
Till now i haven't got money for the cell phone that i lost even after doing all the paper work.

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 2018-10-28
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently noticed that XXXX is once again reporting past due payments on my credit report for all of my accounts with them. The issue is that all of my school loan accounts are in forbearance due to the Department of Education continuing their investigation into fraudulent practices by XXXX University. XXXX has been aware of this but off and on they report a delinquency on my credit report despite their knowledge of this.

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 2021-05-01
Company: ENCORE CAPITAL GROUP 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 dont have any affiliation or never done any business with the company. It is fraud completely & needs to be removed. Thanks so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: HOMESTAR FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have an unauthorized inquiry on my credit report. I did not give anyone written or verbal authorization for 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 2020-07-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been reaching out to Equifax on countless occasions to allow me access to log into my Equifax account unsuccessfully. Every time I call I am being told to give it 24hrs. The following day of not having access, I call back to having the next representative telling me the same thing. It has now been a week going back and fourth with no resolution. I would like to see what has been changed from my XXXX  account from my credit monitoring alert I have received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: EQUIFAX, INC.
State: NC
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:
Recently, as a resident of the state of North Carolina, where I have resided for over 52-months, I was given notice that a collection was posted against me by a collection agency known as XXXX XXXX, XXXX. They claim that I owe {$1900.00} on a XXXX account that was under my name 7-years ago before I was married. The account was under XXXX XXXX, but it followed me to my married name XXXX XXXX. This account, if valid can not be collected against me in the state of North Carolina that has a 30-month collection statue of limitations. Also, this account went into default well over 84-months ago. What XXXX XXXX XXXX XXXX did was pick up the collection information from a debt pool program, then changed or dismissed information to lead the credit reporting agencies to believe that they were handed a legitimate collection. Not even XXXX is in the equation on this, and I demanded accountability of the collection in XXXX of 2021. This was the response given to me through the XXXX XXXX XXXX XXXX, as follows : The company sent its response directly to you and provided a copy to the CFPB. It may take a few days for you to receive the companys response. To protect consumer privacy, the CFPB has not included the companys response in this consumer portal. You can contact the company at ( XXXX ) XXXX about its response to this complaint. 
There was never any response mailed to me to show that XXXX gave permission to move on a collection against me, not in written form or by an electronic transfer agreement. XXXX XXXX XXXX XXXX is running a scam against me personally, and in violation of the Fair Debt Collection Practices Act, the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX has also violated its subscriber agreement with all four pertinent credit reporting agencies, whereas they posted a collection that is not collectible, nor was there a standing agreement between the parties where any indebtedness occurred. XXXX XXXX XXXX XXXX believes that they can use a process of holding a persons credit standing XXXX, to collect on any debt that they maintain 100 % control on. There will be no disbursement to XXXX from XXXX XXXX XXXX XXXX if any payment arrangement is made as there is no legal debt owed. The 84-month timeline has passed is XXXX had any position on the original account. 
XXXX XXXX XXXX XXXX needs to have their rights to process collections with the credit bureaus, XXXX, Equifax, XXXX XXXX and XXXX respectively. This process must cease permanently, and my personal information must be purged by XXXX XXXX XXXX. 
I demand that XXXX XXXX, XXXX delete any reference to a collection against me from XXXX immediately and permanently. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax mishandled my personal information, including but not limited to my Social Security Number, address, and birth-date. They not only allowed a data breach of over 143 million consumers information around XX/XX/XXXXand XX/XX/XXXXof 2017, they neglected to inform parties until nearly six months later, leaving them vulnerable to fraud and identity theft while potentially using that information to conduct insider trading. I had to find this information out without any notice from Equifax on the " Potential Impact '' portion of their website www.equifaxsecurity2017.com. This negligence of proper security protocols in handling consumer information and the unethical actions of Equifax thereafter is unacceptable and needs rectification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
IN XX/XX/2018 I DISPUTE SOME INCORRECT ADDRESS ON MY CREDIT REPORT WITH EQUIFAX AND THEY DELETE THE INCORRECT ADDRESS AND SEND ME A EMAILS THAT THE INCORRECT ADDRESS HAS BEEN REMOVE FROM MY CREDIT FILE AND NOW XX/XX/2018 AND THE INCORRECT ADDRESS REAPPEAR ON MY CREDIT FILE, I ASK THEM TO REMOVE THEM AND THEY REFUSE TO WITHOUT AND EXPLANATION. CAN YOU INVESTIGATE THE MATTER FOR ME AND HAVE THEM REREMOVE THEY INACCURATE ADDRESS FROM MY FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-28
Company: EQUIFAX, INC.
State: AR
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:
Remarks : XXXX XXXX XXXX XXXX Account Number : XXXX Payment Status : Late Please Change to Current Payment Status Details : INCLUDED IN BANKRUPTCY Please Change to Paid or Paying as agreed Comments : BANKRUPTCY CHAPTER XXXX Please change to none XXXX XXXX XXXX XXXX Account Number : XXXX Payment Status : Late Please Change to Current Payment Status Details : INCLUDED IN BANKRUPTCY Please Change to Paid or Paying as agreed Comments : BANKRUPTCY CHAPTER XXXX Please change to None Reason for Dispute : I believe that this account ( s ) is invalid or contains incorrect information. Please validate these account ( s ) in its entirety or remove this entry from my credit report. Thank you. 

Public Records : Reference Number : XXXX Reason for Dispute : I believe that this account is invalid ( not mine ) and contains incorrect information. Please validate this account in its entirety or remove this entry from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was in an approved forbearance/deferment with XXXX related to a private student loan originated by XXXX. XXXX ' policy ( updated in XXXX ) specifically states that loans that are in a forbearance/deferment are not reported as late on the borrower 's credit report. Despite this, XXXX has continued to report the payments during this period as late which has significantly impacted my XXXX XXXX. The loans are now in a regular repayment schedule and are paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

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 2019-06-17
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Since I submitted my most recent inquiry via fifsg.com site I do not have a copy of my inquiry but to get started I was asking them about my XX/XX/XXXX payment. 

They replied : Thank you for contacting customer service. Per our records we show that your last payment was received on XX/XX/XXXX and processed on XX/XX/XXXX. We gave you the credit for the date we received it as opposed to when it was processed. 

Notice how they make it sound like they've done me a favor by posting my payment on XX/XX/XXXX? But it's still incorrect. Here 's my response to them You completely missed my point. 
By law you have to give me credit the day that my payment is received and that payment was delivered to you on XX/XX/XXXX therefore you owe me 4 days interest. This is only the beginning ... 

You guys also messed up on my XXXX payment that check was dated XX/XX/XXXX it was delivered to you on XX/XX/XXXX and you didnt post it until XX/XX/XXXX therefore you owe me 3 days interest. 

XX/XX/XXXX payment the check was dated XX/XX/XXXX it was delivered to you On XX/XX/XXXX yet you guys didnt post it effective until XX/XX/XXXX therefore you owe me 4 days interest My XX/XX/XXXX payment the check is dated XX/XX/XXXX and it was delivered XX/XX/XXXX yet you didnt post it effective until XX/XX/XXXX therefore you owe me 2 days interest My XX/XX/XXXX payment check is dated XX/XX/XXXX it was delivered to you on XX/XX/XXXX you didnt post it effective until XX/XX/XXXX therefore you owe me 3 days interest My XX/XX/XXXX payment check is dated XX/XX/XXXX it was delivered to you on XX/XX/XXXX he did not post it effective until XX/XX/XXXX therefore you owe me 3 days interest My XX/XX/XXXX payment the check is dated XX/XX/XXXX it was delivered on XX/XX/XXXX you didnt post it effective until XX/XX/XXXX therefore you owe me 1 day interest I sent a principle only payment of {$1500.00} that check is dated XX/XX/XXXX it was delivered on XX/XX/XXXX but you didnt post it effective until XX/XX/XXXX therefore you owe me 3 days interest My XX/XX/XXXX payment my check is dated XX/XX/XXXX it was delivered to you on XX/XX/XXXX however you did not post it effective until XX/XX/XXXX therefore you owe me 2 interest My XX/XX/XXXX payment my check is dated XX/XX/XXXX it was delivered on XX/XX/XXXX however you didnt post it until XX/XX/XXXX therefore you owe me 3 days interest My XX/XX/XXXX payment my check is dated XX/XX/XXXX it was delivered on XX/XX/XXXX but you did not post it effective until XX/XX/XXXX therefore you owe me 2 days interest. 

So stop being a smart XXXX and figure out what youre gon na do about the money you owe me 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 explanation
Consumer complaint received 2020-11-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have 2 bank letters stating that 2 inquiries would be removed by Experian but Experian ignored them.

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 2020-11-12
Company: Atlanticus Services Corporation
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I purchased a brand new treadmill from XXXX ... they financed me through Fortiva retail credit ... but when I received the treadmill it was not working and it was supposed to be new, so I decided to send it back and get a refund .... when my 1st payment was do with Fortiva I called them and explained that I was returning the machine and asked them if they can freeze my account until the problem got resolved ... they said they couldnt freeze it but they would waive the late fee for that month and I would have to pay the installment the following month ... by the time the 2nd payment was do I explained to them that XXXX had already picked up the machine and I no longer had it in my possession ... I told them that XXXX was going to refund Fortiva the full amount financed and it would take from 7-10 business days ... i asked them I didnt want to see the delinquent marks on my credit report .. I seen on my credit report that I had a delinquent report so I called Fortiva back and asked them if they could not report me being delinquent because it was affecting my credit score ... they said they couldnt stop it because it was automated .. I explained to them that I had no control over when they were going to be reimbursed ... they want me to contact XXXX  and tell them what is going on ... I have been calling XXXX  for 2 days now and still have not been able to get through to them ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XXXX AND XXXX XXXX XXXX CREDITOR : XXXX XXXX  XXXX XXXX  ), XXXX XXXX XXXX XXXX CREDITOR : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: Experian Information Solutions Inc.
State: NV
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 XXXX XXXX ( XXXX XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17
Company: EQUIFAX, INC.
State: NV
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 XXXX XXXX ( XXXX XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17
Company: EQUIFAX, 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:
I have 2 police reports from a couple of years ago, after my car and house was broken into, id stolen, etc. Now that my identity has been compromised I'm now finding myself fighting to obtain my life back including my credit worthiness. I've requested that the credit reporting agencies only report what they physically verify as opposed to any electronic Verification that by common law / consumer law can not be used and verified as proof. I'm demanding that these accounts be blocked from my credit files. 

1 ) XXXX XXXX XXXX {$680.00} 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX  {$130.00} 4 ) XXXX XXXX XXXX {$350.00} 5 ) XXXX  XXXX {$71.00} 6 ) XXXX XXXX XXXX {$140.00} 7 ) XXXX XXXX {$30.00} 8 ) US Dept of Education {$3800.00} 9 ) XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I sent an application to refinance our existing loan with Chase ( 1st ) & XXXX  XXXX XXXX ( 2nd ). I sent them documents as requested. On XX/XX/XXXX XXXX advised Chase needed to send me a revised Loan estimate. Due to miscalculation of escrow needed. XXXX advised they were requiring 18 months of monthly income to be shown in a savings account, Ira, etc. In my Ira I have approximately {$41000.00} and in a savings account I had {$9800.00} which XXXX advised we needed to put in an additional {$10000.00} which I got from my husband and he provided them with a gift letter which they requested. On XX/XX/XXXX XXXX said they still wanted to see an additional {$2200.00} which I transfered from my checking account. On XX/XX/XXXX Chase sent me an email stating : XXXX XXXX XX/XX/XXXX, XXXX XXXX  ( 5 days ago ) Hi XXXX, Your home loan application documents will be available for the next 30 days. 

To download these documents for your records, sign in to your account. 

Please contact us if you have any questions. Were here to help. 

Thanks, Your Chase Home Lending Team I sent it to XXXX and asked him to call me. 

He called me and said that he didn't understand but he stated they were concern about the large deposit of {$10000.00} which they were provided a gift letter from my husband. 


Now to give you the reasoning to refinance and details of my finances. 
My husband and I wanted to switch the existing variable loans to a fixed and take advantage of the current lower rates. I have no mortgages under my name and my husband has several so we decided to refinance under my name and allow him to remove this mortgage for any future additional business loans he may want. 

My total credit outstanding is {$8600.00}. 

Your XXXX  Credit Report from XX/XX/XXXX Showing report for : XX/XX/XXXX Credit Score Fico Score XXXX is XXXX XXXX  Data XX/XX/XXXX My total debt is comprised of : XXXX {$1700.00} Balance updated XX/XX/XXXX Exceptional payment history XXXX   XXXX {$5900.00} Balance updated XX/XX/XXXX Exceptional payment history XXXX CARD {$950.00} Balance updated XX/XX/XXXX Exceptional payment history The XXXX is used and paid by my husband. I'm on as an additional card holder as well as my daughter. 

Overall Credit Usage is : 8 % Credit used {$8600.00} Credit limit  {$90000.00} The total mortgage of both loans equal {$190000.00} and are actually paid by my husband. 

I earn approximately {$85000.00}. 

Regardless of who pays I believe I highly qualify under any government guidelines or regulation s for this type of mortgage. 

I can only believe that the bank is reluctant to earn less due to the reduced interest. 

That to me should fall under unfair banking which I would hope this body will look into. 

Please advise if you need any of the documentation I have provided XXXX  and I will gladly forward them. 
My loan Id # is : XXXX I hope you assist me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$690.00}

Company response to consumer: Closed with explanation