BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-24
Company: EQUIFAX, INC.
State: MS
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 Equifax on numerous occasions to verify inaccurate information on my Credit Report. I requested equifax to send me any original documentations or contracts with my signature on it, legally binding me to the frivolous charge-offs, derogatory and collection accounts that they are reporting on my account. I have disputed these account numerous times. 
I have not received any documents or contracts with my signature linking me to these frivolous accounts they are reporting. 
Their response to me was that all the items I disputed was Verified using third party Data Furnishers. 

No Documents or Contracts with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: State Collection Service, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I really needed to get to the ER because I suffered two injuries and i didn't have any insurance coverage. I cant afford to pay this debt because I have hit a financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
We are all aware of the numerous Wells Fargo account fraud scandal. I would like to make you aware of another distressing situation concerning Wells Fargo. 

On Saturday, XX/XX/XXXX I made an ATM deposit and deposited a check in the amount of {$12000.00}. This check was from my business account at XXXX XXXX XXXX XXXX XXXX. The check was made payable to me and signed by me. During the ATM deposit I incorrectly stated that the amount was {$1200.00}. Today is XX/XX/XXXX and none of this {$12000.00} is available even though the funds were removed from my XXXX XXXX XXXX XXXX XXXX Account on XX/XX/XXXX. Yesterday on XX/XX/XXXX I spent 75 minutes of my time on the phone with various Wells Fargo associates. Initially I was told that Wells Fargo had placed a hold because they were unfamiliar with the bank. Then I was told that one of the numbers on the check were wrong and hadnt been cleared and verified by XXXX XXXX XXXX XXXX XXXX, but yet the check cleared as {$12000.00} was removed out of my XXXX XXXX XXXX XXXX XXXX Account on XX/XX/XXXX. 

According to Regulation CC they are required to make the first {$5000.00} available. I am being told that my funds will become available on XX/XX/XXXX or XX/XX/XXXX. 

Although I dont need the funds right now I believe these ludicrous statements are also being made to other WF consumers who actually may need the funds and that they are utilizing the funds during this period of time while making it unavailable for withdrawal. 

My case number with Wells Fargo is XXXX And the Wells Fargo Executive Phone number I was given to follow up on my case is XXXX. 

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 2018-07-30
Company: Dyck-O'Neal, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a {$5000.00} promissory note assigned to me in the short sale of my condo back in XXXX. Dyck O'Neal was the debt collector in charge of servicing my note. From the beginning, communication was poor. I began paying on my promissory note In XXXX of XXXX. I set up an autopay and each month, from XXXX of XXXX through XXXX of XXXX, Dyck O'Neal was paid the agreed upon monthly amount. In XXXX of XXXX, I began receiving late payment notifications in the mail, which confused me since I was on autopay. When I called Dyck O'Neal and inquired, they told me my account was fine and my monthly payment had been received. I continued to sporadically receive late payment notifications, and another time when I called, I was told my loan needed to be modified and they would send me the paperwork. Twice, I never received the paperwork they said they sent. So even though I paid Dyck O'Neal every single month, my account was in default. They never once told me this would affect my credit, and that my account was showing late payments month after month on my credit report. Whenever Dyck O'Neal would try and contact me, it was during working hours, and they would never leave messages. I finally did modify my account this year and ultimately paid the remainder off just to be done with them. I am extremely upset that my credit has been destroyed due to their lack of communication and mixed messages that I was told over the past 5 years. I never missed a month in payments, and I don't believe my credit should be impacted by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
My complaint is about the overall scam of credit bureau reporting. 

Can someone explain to me why having someone check my credit lowers my score? Does it mean Im likely to miss a payment? Does it mean Im about to overextend myself? Does it have anything to do with all of the hundreds of creditors Ive paid in full over 30+ years of having credit cards, student loans, mortgages, or other types of reported debt?

No it doesnt. So why is the score impacted?

Credit reporting bureaus having massive differences in scores??? Why??

Why do only 2 agencies show up on the scores? TransUnion and XXXX? What happened to XXXX?? 

Credit reporting also different for differing situations? Why is my score different for credit card application, home loan info, auto loan? There should be one score and one score only!!!! The score I see should be the same one a creditor sees. 

Its like the housing market scam network in this XXXX country. Why is there a different appraisal price for 1 ) purchase, 2 ) refi, 3 ) just a personal I want to see what my house is worth ( this always confuses the appraisers ), or 4 ) a relocation appraisal. Why are they all different? Its the same XXXX XXXX XXXX house !!! 

Credit bureaus are the same scam. Why is what I get as a consumer so different than what a bank sees??? 

It is so disgusting and fraudulent.

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 2019-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Re : Accounts ending in XXXX and XXXX Capital One Case : XXXX CFPB No. : XXXX I disputed both account # XXXX and # XXXX with Capital One for these two accounts. Capital One sold both accounts to a collection agency. Captial One chose one account # XXXX to request back from the collection company and did not request the second one back. They both have the same dispute errors mentioned. I am requesting the specific reason as to why Capital One chose one over the other when both accounts have the same issue and are listed the same way. 

How can this be fair business practices? I am requesting the details of why they requested this account be removed and returned to them and not both.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: Experian Information Solutions Inc.
State: TN
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:
There are many mistakes appear in my report without my understanding.

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 2018-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Multiple inquiries on my credit account that i did not personally apply for, i have gone through a credit repair service as well as reached out to these companies myself and was unable to get anything to change

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 2019-02-04
Company: National Credit Adjusters, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an email from a collection company In XX/XX/2019, nothing via mail only email advising that I owed a debt. I immediately contacted them and advised them that the debt was not mine and i had no knowledge of said debt. I asked and probed for more information and all the information they had on file was incorrect. Including address, DOB, phone number. The representative did not even have a full Social security number and advised the debt was initiated via online. I requested proof and/or any documents associated with debt and was advised they did not have ZERO documentation everything was done online. I told the representative that I was disputing said debt and she notated it, not even 30 days later, the debt appears on my credit report. My rights as a consumer have been violated 1 ) i did not receive proper notification via mail 2 ) I contacted the company and disputed the debt and have not been given any proof of debt as requested as well as time and opportunity to show debt is not mine 3 ) Credit history has been affected ... I am requesting that the CFPB take a look into the practices of collection agency and demand proof of debt. If unable to provide, please remove from credit profile with all three credit bureau agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
There is an address on my credit report that I have never lived at that the credit bureaus will not dispute or allow a dispute of. I am demanding this address be removed from my credit report as the credit bureaus are in violation of the Fair Credit Reporting Act : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NY 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 2018-04-22
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: Personal information incorrect

Complaint:
There is an address on my credit report that I have never lived at that the credit bureaus will not dispute or allow a dispute of. I am demanding this address be removed from my credit report as the credit bureaus are in violation of the Fair Credit Reporting Act : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NY 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 2021-04-24
Company: NCB Management Services Inc.
State: MS
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:
I was informed by the credit bureaus that a collection was placed on my credit report. I had been informed by XXXX  that my identity was stolen on the dark web. .And that accounts were open and paid on monthly basis in my name. Also a car was also purchased and paid in my name. Now this company has placed a collection on my credit for the amount of XXXXThis company has never called me or notified me in any type of way about this account. .I was informed by the credit bureaus that this collection had been placed. I have never had a loan with this company. I never signed any paper work with this company. The company name is NBC MANAGEMENT SERVICES, INC. I would like this company to show my wet ink signature which i no they cant because i never took out a loan with them. This is identity theft. Also an old address was used. I have never heard of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
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 a serious problem with XXXX  because they are not reporting any of my accounts on my report also they are not reporting my credit score. I try multiple times sending letters notarized by a notary about existing issues and they are not doing anything about it. I need these accounts to be shown and my credit score on my credit report as soon as possible, the accounts are 1. USAA SVG BK Open date is XX/XX/XXXX 2. XXXX XXXXXXXX Open date is XX/XX/XXXX 3. XXXX XXXX XXXX Open date is XX/XX/XXXX 4. USAA SVG BK Open date is XX/XX/XXXX All four accounts reports to all three credit bureaus, so please let XXXX   know that they need to put these accounts on my credit report because this is a defamation of character

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX not resolving the problem over the phone they say one thing then their automatics phone say totally different I dont know why there is a balance when I returned everything They made me past due and keep charging me late fees This is a puer fraud and XXXX off I will not be cheated if they reckon my credit file I will file a law suites

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 2019-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX is reporting on a debt I do not owe. I was forced to return this vehicle due to not qualifying for financing. I took that back and they didn't give me back the car I had originally had traded in. This should have been adjusted as I do not owe this debt and it never a repossession. They are in violation of reporting incorrect information on 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 2020-05-13
Company: Dovenmuehle Mortgage, Inc.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I purchased a home in XXXX of XXXX. We financed using a local XXXX XXXX XXXX   division recommended by our agent. We were told that our loan would eventually be transferred to a new provider but to make payments over the phone to the local branch in the interim which we did from the time of closing through XX/XX/XXXX. I paid the mortgage for XXXX and XX/XX/XXXX on XXXX via credit card as I have done for the past 8 months. I received a notice in the mail saying my account had been transferred to a new provider and was given a new loan number, as well as notices from the new provider ( Dovenmuehle Mortgage Inc ) that I owed over {$3000.00} for the months of XXXX and XXXX which had already been paid. I contacted Dovenmuehle Mortgage Inc with the number provided on the notice and was told to email a general customer service inbox with copies of the receipts so that they could " locate where the money went ''. I sent the email 5 days ago and have still recieved no response, and have gotten more notices saying I now owe late fees for an account I paid far ahead of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
XXXX XXXX XXXX Cancel service after having the phones for a week. They claim my number belong to someone else. After contacting fraud department. They advise me go to XXXX XXXX XXXX Corp store. I did. My issue wasn't never resolve. Now it's in collections. They claim I owe {$2600.00}. 

This number came from my son account with XXXX XXXX XXXX. I had this number XXXX for five years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: ALLY FINANCIAL INC.
State: NJ
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 a serious problem with XXXX  because they are not reporting any of my accounts on my report also they are not reporting my credit score. I try multiple times sending letters notarized by a notary about existing issues and they are not doing anything about it. I need these accounts to be shown and my credit score on my credit report as soon as possible, the accounts are 1. XXXX XXXX XXXX Open date is XX/XX/XXXX 2. ALLY FINANCIAL Open date is XX/XX/XXXX 3. XXXX XXXX XXXX Open date is XX/XX/XXXX 4.  XXXX XXXX XXXX Open date is XX/XX/XXXX All four accounts reports to all three credit bureaus, so please let XXXX know that they need to put these accounts on my credit report because this is a defamation of character

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 2019-02-04
Company: EQUIFAX, INC.
State: NJ
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 a serious problem with Equifax because they are not reporting any of my accounts on my report also they are not reporting my credit score. I try multiple times sending letters notarized by a notary about existing issues and they are not doing anything about it. I need these accounts to be shown and my credit score on my credit report as soon as possible, the accounts are 1. XXXX XXXX XXXX Open date is XX/XX/XXXX 2. XXXX XXXX Open date is XX/XX/XXXX 3. XXXX XXXX XXXX Open date is XX/XX/XXXX 4. XXXX XXXX XXXX Open date is XX/XX/XXXX All four accounts reports to all three credit bureaus, so please let Equifax know that they need to put these accounts on my credit report because this is a defamation of character

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Issue 1 : My son and I bought a car XX/XX/XXXX. My son made a payment before he went into the hospital on XX/XX/XXXX. Honda Finance never mailed the statement until XX/XX/XXXX. Contact Honda for a payment deferment cause my son had XXXX which put him out of work until XX/XX/XXXX. I asked for financial hardship and got hang up on XX/XX/XXXX then call on XX/XX/XXXX the representative was rude. I asked for supervisor and no responds. 

Issue 2 : I also notice that my income was boost up by dealership. My son wasn't working at the time and I was only one working. The dealer rep fraudulently boost the income and never asked for proof of payroll checks from my son nor me. My son told him he was employed and on leave of absence. His income should be XXXX. Honda Finance never asked for payroll checks either. Every Finance income I had asked for payroll checks before approving the credit application. The contract have no signature

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I have had nothing with capital one, an I have never been near XXXX XXXX XXXX. I do not understand how this is on my report when i have not even applied for anything through capital one! XX/XX/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-22
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: Account status incorrect

Complaint:
My account was reported as past due, however, I was approved for a forbearance after speaking with lender. The same is not shown on my credit report. I am requesting that this correction be made to my report as it is affecting my positive payment history and creditworthiness. 

Towards that end, I am also befuddled as to how this account is being managed. I have not received any correspondence from lender nor telephonic communication efforts. Had the same been given, I would have gone ahead and either made payment or requested a timely forbearance. It appears that lender is disinterested in collecting and more with affecting my creditworthiness. 

I would like to reach a resolution with lender as they said would mark my report as in a forbearance, however, they not reflected same in my credit report nor have they provided any documentation/ notice of the forbearance following my phone call with 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