BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-19
Company: EQUIFAX, 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:
My credit report included fraudulent student loans that were unpaid. I filed a police report and sent a letter to equifax. ( My information was included in the equifax breach in XX/XX/2017 ) They sent a letter back that says they have investigated and found the loans to be mine. That is ridiculous as the person who took out the loans did not have my current address, my current email or my current phone number. They only had my social security number and old addresses - I found this out when I called each university. I am working to discharge all 3 loans with the universities but equifax should be able to remove these from my credit report in the interim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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!! I am in the home buying process and these fraudulent accounts are causing my family and myself a lot of emotional distress. I've been trying to buy a home and I am being impacted by these fraudulent accounts. 
There are several inaccuracies on my report that I didn't authorize these accounts, violating my rights according to the FDCPA. The XXXX XXXX agency continues to violate my rights according to XXXX XXXX XXXX. " Any bad debt furnished on your reports is ruining your reputation and it's 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 2019-03-05
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I HAVE ALREADY HAVE MANY PROBLEMS WITH THIS BANK I MADE A PAYMENT OF {$1000.00} TO XXXX XXXX, BUT CITIBANK RETURNED THE PAYMENT WITHOUT MY AUTHORIZATION WHEN I REALIZED THIS CALL CITIBANK TO CANCEL WHICH OPEN DISPUTE IN MY NAME THE BANK CANCELED THE DISPUTE AND RETURNED THE FUNDS, BUT NOW XXXX XXXX DOES NOT RECEIVE THE ALREADY I PREVIOUSLY MADE A DISPUTE ON THIS INFORMATION AND CITIBANK ANSWERS THAT THE FUNDS HAVE XXXX XXXX SAYING THAT XXXX XXXX IS THE BANK OF XXXX XXXX BUT IT IS NOT TO ME I ALREADY CALL XXXX XXXX AND COMMENT XXXX FROM CITI BANK 'S RESPONSE BUT XXXX XXXX SAYS XXXX XXXX  IS NOT ITS BANK, XXXX XXXX SAYS THAT THE BANK OF THEM IS ( XXXX XXXX ) NOT XXXX XXXX TO WHICH CITIBANK DELIVERED THE FUNDS TO ANOTHER REMOVAL OBTAINED FROM THE SAME BANK CITI BANK ... AND THROUGH THIS PROBLEM AND RECEIVED CHARGES OF {$350.00} FOR PAYMENTS AFTERNOON AND FOR INTERESTS ..

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 2017-08-11
Company: Experian Information Solutions Inc.
State: IA
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. I filed a police report with the XXXX XXXX Police Department on XXXX/XXXX/XXXX regarding being a victim of identity theft and the fraudulent and unauthorized credit collection accounts and hard inquiries listed on my XXXX XXXX, XXXX and Experian credit Report. The police report case number is : XXXX, the following account or collection accounts do n't belong to me : XXXX County County Courthouse, XXXX  XXXX, {$76.00}, XXXX XXXX for {$1400.00} and XXXX XXXX XXXX for {$26.00} and {$74.00}, the following hard inquiries are fraudulent and unauthorized : XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX. I been receiving harassing telephone calls and death threats from representatives from XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX for a debt that 's fraudulent and do n't belong to me.

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 2020-11-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been disputing this collection from day one because I tried working with the company about the balance because I didn't realize the card was stolen. They didn't want to work with me, the next I knew it was collections, This is the is the 3rd or 4th collection company since it went to collections. According to what I see it closed in XXXX, the amount is {$730.00} it is now XXXX which is over the 7 year limit to collect a past debt, plus it has been sold to multiple collection agencies. 
By what I know and have been told a company or a collection agency can't keep selling a debt past 7 or 10 years not sure on which one. I had to quit answering their calls because I got stressed every time they called and most times like always when I've had to deal with these collect companies they don't give you a chance to talk and have always been very rude and mean speaking.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-03
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I was falsely under the impression that this loan was under a deferment or forbearance like other student loans during this international crisis. Apparently, this did not apply to my private student loan. 

This company, Mohela, has put me in financial dire straights before, forced me into bankruptcy, and caused immense amounts of stress on my family due to their horrible communication practices and unwillingness to assist in any way. 

In XXXX, I filed for bankruptcy under pressure from a defaulted student loanwith Mohela. This student loan had fallen into bad standing as I had called Mohela to file for an economic forbearance option and was not informed I had only placed this option on the federal student loan held by Mohela, not the private student loans they also serviced. 

I came out of bankruptcy in XXXX, expecting to have accounts reset and be able to start with a fresh slate, and Mohela had not done any of these things as my other accounts with other creditors had. My forbearances were never reset, I was out of any available options when financial hardships arose, as they had already exhausted these options prior to and during the bankruptcy. 

When the bankruptcy period was over, and payments resumed for this loan, they were entirely too high for my family to afford. We contacted Mohela to put a payment adjustment in place, and they do for a time, but it expires, and each time, we file for a new modification. They want more and more information, and they do not contact us to tell us it's missing. You must log in to the website to find details. 

This year, as stated before, I erroneously thought this company would be giving us relief due to the pandemic, and instead, what they did could only be considered postal harassment. We tried to apply for a payment deferment in XXXX, a payment modification, anything to help get us through, and they denied us for missing income verification. 

Now we are receiving letters telling me I have defaulted on this loan, and to contact the legal department, during a global pandemic, during an unprecedented time, and during a time when student loans were supposed to be offering relief. 

I am feeling backed into a corner here. They offer no options to help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 paid this account back in 2015. It was suppose to be a pay for deletion account off my credit report. Since then, I have disputed and wrote letters to have it removed. The account was paid in full and it still remains on my credit report. Please remove from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: EQUIFAX, INC.
State: IA
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. I filed a police report with the XXXX XXXX Police Department on XXXX/XXXX/XXXX regarding being a victim of identity theft and the fraudulent and unauthorized XXXX XXXX accounts and hard inquiries listed on my XXXX XXXX, Equifax and XXXX  credit Report. The police report case number is : XXXX, the following account or collection accounts do n't belong to me : XXXX XXXX XXXX XXXX, XXXX  XXXX, {$76.00}, XXXX XXXX for {$1400.00} and XXXX XXXX XXXX for {$26.00} and {$74.00}, the following hard inquiries are fraudulent and unauthorized : XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX. I been receiving harassing telephone calls and death threats from representatives from XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX for a debt that 's fraudulent and do n't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Nelnet, 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 sent you an email through your company to which I never received a response. You are reporting late payments on my account from XXXX to XX/XX/2020. I find this to be unfair because I updated my card account but your company kept charging the old card. These late payments were not the part of my own. I am writing in hopes that you can correct these late payments to paid on time as they are negatively impacting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Wells Fargo cashed a stolen check without verifying. The check belonged to me but I do not have a Wells Fargo Account nor did I ever have one. 
I made a police report. With copy of police report and copy of the back and front of the check in hand, I went to Wells Fargo Bank located at : XXXX XXXX XXXX XXXX XXXX, Ca XXXX I asked to speak to a Manager but was denied. I explained my situation but was turned away and was told they could not help me because I was not a customer and did not have an account. I was told to call the " XXXX XXXX number ''. 
When I called Wells Fargo, they told me the same thing, I did not have an account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: EQUIFAX, INC.
State: NC
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:
I paid off a car loan early, to XXXX XXXX XXXX XXXX XXXX XXXX, via an online payment ( ACH ) of {$3400.00} approximately, from my XXXX XXXX XXXX checking account on XX/XX/XXXX. Per XXXX XXXX XXXXXXXX ( XXXX XXXX they were noticed by XXXX that an online payment could not exceed {$3000.00}, so a check needed to be sent for the payoff amount. This check was sent on XX/XX/XXXX In the full amount to address and account Number given by XXXX to XXXX. On XX/XX/XXXX, XXXX returned the check to XXXX. XXXX also sent us the car title, indicating the loan was paid in full. Then, XXXX proceeded to bill us, without notice, for 2 months and late fees. We received a negative credit report from XXXX XXXX this weekend and made inquiries. We immediately paid the full balance again ( on XXXX ) via phone call with XXXX, from our XXXX checking account to AHF. XXXX accepted the payment ( now with a larger payoff amount ), removed the late fee, and refused to remove the negative reports they sent to the credit unions without proof from XXXX  of the returned payment. The original XX/XX/XXXX payment receipt and reversal is reflected on the XXXX account online for our account. XXXX worked with us this evening to call XXXX to resolve what happened and get whatever documentation XXXX needed to remove the negative credit report. XXXX refused the call, saying we would need to call another number tomorrow morning for the Customer Service department. At what point does XXXX or XXXX become responsible for fixing our falsely reported credit gap? Also, at what point, does either XXXX institution become responsible for contacting us, as both entities have our home address ( we got the title in XXXX from XXXX to our home address ), our email address ( they have on file ), or our phone number? We are so very frustrated and angry about the number of calls, the bad credit score XXXX drop Of XXXX points XXXX, and still unresolved problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Experian Information Solutions Inc.
State: GA
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 mailed and called both the credit bureau and these two collection collection agency 's who refuse to now respond to my mail, calls and request for removal of false collection accounts. I have disputed these accounts and they both did not return verification of account to me by mail within 30-45 days as requested and by law the accounts were to be removed but did not. I now request full compensation for their lack of professionalism and me now being denied credit. 

Account 1 listed on Experian Credit report Debt collector Name XXXX XXXX XXXX Account # XXXX Creditor Name XXXX XXXX Stated open date XX/XX/2017 Amount stated {$2800.00} XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ( XXXX ) XXXX AccouXXXX XXXX XXXXsted on XXXX Credit report Opened XX/XX/2017 Original Creditor Name XXXX XXXX XXXX XXXX COllection Agency 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 2017-08-11
Company: Ocwen Financial Corporation
State: OK
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ocwen has claimed that it is passion of a claimed interest in the XXXX 's ( Petitoner ) property. Ocwen has falsely misled and used fraudulent actions to claim that they have and are in possession of an original note and mortgage but Ocwen 's records on numerous accounts have shown differently. Ocwen has fraudulently initiated foreclosure and debt collection proceedings falsely representing that it has the Original note and mortgage when Ocwen knew, should have known buy the account of its own records that it was not in possession of an original note or mortgage. XXXX/XXXX/XXXX - Ocwen records state - " collateral file reviewed the mortgage document is marked - Unofficial copy '' XXXX/XXXX/XXXX - Ocwen records state - " collateral file reviewed - no original docs are present. "

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: EQUIFAX, INC.
State: SC
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 FAXED EQUIFAX FRAUD DEPT FX # XXXX MY FTC REPORT # XXXX ON XX/XX/2018 AND BY FTC LAW EQUIFAX WAS SUPPOSED TO DELETE/BLOCK SAID ACCOUNTS INCLUDED IN THE REPORT ( DUE TO FRAUD ). AS THEY HAVE JUST COMPLETED FOR OTHER ACCOUNTS PREVIOUSLY IDENTIFIED. THIS TIME EQUIFAX HAS DECIDED TO TAKE IT UPON THEMSELVES AND DISPUTED THIS WITH THE ( 3 ) FINANCE COMPANIES LISTED BELOW : XXXX XXXX, XXXX XXXX # XXXX, & XXXX. THIS IS HURTING ME BECAUSE BY FTC LAW IF YOU HAVE A FTC REPORT THE CREDIT BUREAUS MUST DELETE/BLOCK DUE TO FRAUD. I DID NOT AUTORIZE A DISPUTE THIS WAS DONE AGAINST MY WILL. EQUIFAX TOLD ME THAT I WOULD HAVE TO ALLOW 30 DAYS ( WHICH IS FALSE ) EQUIFAX STATES TO ALLOW 5-7 BUSINESS DAYS FOR THE ACCOUNTS TO BE REMOVED/DELETED/BLOCKED. THIS IS LEADING TO ME CARRYING THESE FRAUD ACCOUNTS ON MY CREDIT FILE HURTING MY SCORE TO APPLY FOR ANYTHING, THEREFORE IMPACTING MY LIFE. 
EQUIFAX CONF # XXXX DATED XX/XX/2018 EQUIFAX CONF # XXXX DATED XX/XX/2018 EQUIFAX XXXX # XXXX DATED XX/XX/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This all started in XX/XX/XXXX. I had a XXXX XXXX credit card that was financially backed by HSBC. I could no longer pay due to unemployment and it went to bad debt. Eventually HSBC discharged the debt ( was written off ) and the account was closed. 

On XX/XX/XXXX I was notified by my bank, XXXX, that somehow the XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX had acquired my credit card account information and was requesting any payment information. Is that legitimate? I mean how did he get my credit card account number? 

Does this go beyond the statute of limitations? 

I was never sent a notice through mail of this subpoena.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a loan modification in XXXX at a 2 % interest rate. ( This was lower than my previous rate. ) The loan was sold to Rushmore Mortgage. I made all of my payments on time. The mortgage payment was {$1100.00}. In XX/XX/XXXX, the mortgage payments were set to increase to $ XXXX. I got the notice in XX/XX/XXXX. I was told that the mortgage was increasing due to a tax bill that was issued in the amount of over {$25000.00}. I have disputed this with the city, but to no avail. I applied for a loan modification with Rushmore and they placed me on a six month loan modification. They also asked for {$2000.00} as a " down payment '' which I had never heard of before. The new payment was {$2000.00}. When I contacted their tax department prior to receiving the modification, I was told that the payment would be {$1600.00}. I later found out that the new payment was based on their charging me a 5.5 % interest rate. I was told that this was legal according to them and that I couldn't be given the " current market interest rate ''. I am asking that this matter be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
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: Information belongs to someone else

Complaint:
A new collection listing on my TransUnion credit report under the name XXXX XXXX, account XXXX for the amount {$710.00}. The original creditor is XXXX. This fraudulent account was previously Blocked from my credit report and belonged to XXXX XXXX at the time. This is a fraudulent account and XXXX   has no business placingn it back on my file. I intend to file charges against XXXX for damages to my credit. This is my Identity Theft Report to Permanently Block XXXX off of 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 2017-08-11
Company: National Credit Adjusters, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Recently reviewed credit report stating that I owe a debt with XXXX XXXX that being collected by National Credit Adjusters. I have never been associated with the address they have listed/linked to report. I have never received notices about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, I sent out a letter to TransUnion on XXXX XXXX to investigate this matter. I've tried to fix this issue with this company. It has been 45 days today XXXX XX/XX/2021 ) and no responses from them! I am a victim of Identity theft and have accounts reporting on my credit that are not mine! I have filed an Identity theft report with Identity theft.gov. This is not fair, and I want these accounts deleted from my credit immediately : XXXX account, XXXX XXXX, Avant, and XXXX Bank!

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