BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-23
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:
To whom this may concern, My name is XXXX XXXX XXXX XXXX, and I am writing this statement on my behalf regarding the information on my credit files. Fraudulent applications were submitted under my name or identity without my consent to obtain goods or services. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize any of the following charges/inquiries listed in this report and on my credit file. I reported the theft to the Federal Trade Commission and have enclosed copies of the FTC identity theft affidavit. I am requesting that the following items on this report be deleted immediately. The following inquiries I need to be deleted are listed in the report and attached to this statement : Accounts : 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: RFNA, LP
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: Reporting company used your report improperly

Complaint:
Republic Finance LLC illegally furnished information to my consumer report on DATES XX/XX/2021, XX/XX/2021. Every condition under 15 USC 6802 was not met to publish my non public personal information. My rights as a consumer, to protect my non public personal information, were violated by Republic Finance LLC.

Under 15 USC 1681b ( A ) ( 2 ) a consumer reporting agency can only furnish my consumer report if it has written instruction from me the consumer. I have not given consent to any consumer report agency to furnish my consumer report.

Under 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: U.S. BANCORP
State: KY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I called on XXXX XXXX and asked for a replacement card because I never received my card the last time I asked for one several months ago so they charged me {$10.00} for the expedited replacement card I was told I would receive it yesterday I still havent received it there is no tracking number and its coming XXXX which makes no sense I have been calling and now they took it upon thereselves to cancel the card I was supposed to get yesterday and now I have to wait another week for another replacement card this is ridiculous they should be able to overnight it to me but they say they cant this is for my XXXX XXXX and there is always an excuse with these people I have asked multiple times to speak to a supervisor and they wont connect me to one.

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 monetary relief
Consumer complaint received 2020-12-07
Company: ECMC GROUP, 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 went to XXXX XX/XX/XXXX for less than 12 months XXXX XXXX to XX/XX/XXXX, to get Masters at the satellite location at XXXX XXXX XXXX. I attended XXXX XXXX for a couple of years. Either way, per the financial office XXXX XXXX XX/XX/XXXX, Treasury Department, on XXXX XXXX, XXXX, at XXXX XX/XX/XXXX, they said, it did not cost {$18000.00} to get XXXX XXXX. If there was a refund it should have been credited to the loan. ECMC has sent people to my home address. They sent mail to my neighbors house. They started garnish my check. I have asked to see cancelled checks to see who signed off on the checks. I did get some funding for XXXX XXXX for an essay that I wrote. I did not use all of those funds that were allocated to me and I did not get a refund for any monies while at XXXX XXXX, nor XXXX XX/XX/XXXX. I want to see the cancelled checks for signatures of who signed for the checks and what bank account did they go to for deposit or to be cashed.

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 2022-03-10
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: Account status incorrect

Complaint:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$260.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have worked very hard to pay my payments before they were due. I am now receiving letters saying my payments are behind, and its showing late fees. I have tried for two straight weeks to get ahold of a person. I have called several numbers and cant speak to a human. My payments are done through XXXX  XXXX XXXX bill pay, and I have record of each payment made to LOANCARE. During this pandemic its been very hard making ends meet, and keeping up on all my bills but I have done it and am very upset someone has made mistakes at LOANCARE with my money. 
I knew times would be tough so I took it upon myself to pay one month ahead on my mortgage, but I am getting letters I am two months behind. Again, I have been trying to contact someone but am unable to contact a human. 
The following payments were made from XXXX XXXX XXXX Via billpay. 
XXXX payment : XXXX {$1400.00} XXXX payments : XXXX {$750.00}. XXXX {$750.00}. 
XXXX payments : XXXX {$720.00}. & XXXX {$720.00}. 
XXXX payments : XXXX {$720.00}. & XXXX {$720.00}. 
XXXX payments : XXXX {$720.00} & XXXX {$720.00}. 
XX/XX/2021 payments : XXXX {$720.00} As you see Ive paid XXXX and above my regular monthly amount. 
I paid an extra payment in XXXX, which was a hardship but with the uncertain times I wanted to make sure I was ahead on my mortgage, but now I am going through this stress of them not applying my payments, and accessing late fees. This is crucial this gets corrected and all the late fees be removed. This is a hard, stressful time and Ive worked very hard to make sure I didnt fall behind and I feel very angry at Loancare for the terrible accounting and obsolete customer service. 


I feel its crucial for consumers to be able to contact real people when their money isnt being handled correctly.

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 2022-12-23
Company: EQUIFAX, INC.
State: IL
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:
See the attached documents. WHAT WOULD BE A XXXX RESOLUTION TO THIS ISSUE?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: Experian Information Solutions Inc.
State: IL
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:
Experian and XXXX  credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.

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 2022-03-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We had a house fire in XXXX and the construction company completed their job in the middle of XX/XX/2022. The insurance made all the payments to us and to the mortgage company, fifth third bank. Unfortunately the fifth third bank has not paid us all the money that need to be paid to the contractors. 

The home was inspected first after the roof was replaced and it took over a month for them to make a partial payment. Then two inspections were done after all the work was completed and the inspector told us that they reported as 100 % complete. But fifth third bank is still holding to the money even two months after the work is completed.

I made several efforts to call them and communicated with them about the issue, but they don't care. We had to make several of the payments out of pocket due to this issue. This is giving us a lot of stress and anXXXX  and it needs to be resolved. We requesting a penalty as well to this bank due to their negligence in remitting the money to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: Experian Information Solutions 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 went to XXXX XXXX  AR for less than 12 months XX/XX/XXXX to XX/XX/XXXX, to get XXXX  at the satellite location at XXXX XXXX XXXX. I attended XXXX College for a couple of years. Either way, per the financial office XXXX XXXX AR, Treasury Department, on XX/XX/XXXX, at XXXX XXXX, they said, it did not cost {$18000.00} to get XXXX XXXX. If there was a refund it should have been credited to the loan. XXXX has sent people to my home address. They sent mail to my neighbors house. They started garnish my check. I have asked to see cancelled checks to see who signed off on the checks. I did get some funding for XXXX College for an essay that I wrote. I did not use all of those funds that were allocated to me and I did not get a refund for any monies while at XXXX College, nor XXXX XXXX AR. I want to see the cancelled checks for signatures of who signed for the checks and what bank account did they go to for deposit or to be cashed.

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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to formally dispute certain inaccuracies present in my TransUnion credit report. On XX/XX/XXXX, I contacted TransUnion regarding these discrepancies, but I have not received any response to date. I am providing the details of the incorrect information and the necessary corrections, seeking your assistance in rectifying this matter. 
Account Information : Account Identifier : XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$120.00} Original Creditor : XXXX  The account labeled as XXXX  with Account # : XXXX is not mine, and I kindly request its immediate removal 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 non-monetary relief
Consumer complaint received 2022-03-10
Company: Great American Finance Co
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:
I received an alert that a new account was added to my credit report that I did not open. I called the company and was advised to start fraudulent claim. I never opened this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: National Recovery Services LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have received multiple phone calls from a company stating from National Recovery Services ( not 100 % sure this is the correct name ). They have called my phone, my girlfriends phone, other family members, & my place of work. They claim I owe money on a XXXX credit card. I have repeatedly told them I do not know what this is and they claim that they have sent a letter to me which miraculously I have never received. I received a call today, XX/XX/2021, and the person whom I spoke with, XXXX, repeatedly told me my credit was horrible as he has reviews my credit report and I dont pay my bills ( not really his business if I do our dont ), my girlfriend does not want to be associated with me because of my debt, asked to speak with my boss, and then asked if to speak to my XXXX son ( he is actually XXXX ) because he thinks he has more sense then me ( literally his words verbatim ). He was verbally abusive and refused to send a letter verifying the debt or stop calling. He just said I would be marked down as refusing to pay and taken to court to which I responded fine, Ill see you there. I had him on speaker phone and my girlfriend is a witness to the call.

Company response to consumer: Untimely response
Consumer complaint received 2021-09-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax furnished invalidated accounts attempting to coerce me to pay. The accounts have not been validated by the consumer and no attempts were made by Equifax to verify the information with the consumer. I've made attempts to resolve this issue, the most recent being XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: ALLIANT CREDIT UNION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Back in XXXX, I applied for a credit card issued by Alliant Credit Union based on the recommendation of XXXX XXXX. There was a card that had a 3 % cash back offer. Since I spend large sums of money conducting my business using a credit card, I considered this a good oppurtunity since my current card does not offer that much back. 

Alliant notified me that I was denied credit due to " lack of credit history ''. This is absolutely ridicules as I am XXXX XXXX XXXX and have paid off millions of dollars off over the last 45 years. 

I called Alliant and they just basically reiterated what was stated on the denial. They acknowledged that my credit score was XXXX and was rated " excellent ''. The can be no other explanation to turn me down other than some form of discrimination that is possibly ethnic, age, or something else. 

Please look into this matter for me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
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 went to XXXX XXXX AR for less than 12 months XX/XX/XXXX to XX/XX/XXXX, to get XXXX  at the satellite location at XXXX XXXX XXXX. I attended XXXX College for a couple of years. Either way, per the financial office XXXX XXXX AR, Treasury Department, on XX/XX/XXXX, at XXXX XXXX, they said, it did not cost {$18000.00} to get XXXX XXXX. If there was a refund it should have been credited to the loan. XXXX has sent people to my home address. They sent mail to my neighbors house. They started garnish my check. I have asked to see cancelled checks to see who signed off on the checks. I did get some funding for XXXX College for an essay that I wrote. I did not use all of those funds that were allocated to me and I did not get a refund for any monies while at XXXX College, nor XXXX XXXX  AR. I want to see the cancelled checks for signatures of who signed for the checks and what bank account did they go to for deposit or to be cashed.

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 2019-06-10
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a Chase Sapphire Reserved Card, and the payment is due the first of the month. To pay the bill, I can go through the Chase credit card website and it automatically draws the payment from my Bank Account. The payment normally takes several hours to be completed, although they do state that it can take up to two business days. I normally schedule the payment two days in advance of when my payment is due to ensure that it is received on time, taking into account weekends and how many business days there are before the first of the month. 

I have made payments for this credit card on time for every single month. However, on at least four instances, the credit card is saying payments have been late, and they charge a late fee and interest charge. For the first two instances, I know I made the payments on time, but the company said it was posted late and so they charged fees. When I found out, I called the credit card company and spoke to their customer service representative, and eventually after talking to supervisors they acknowledged that their system inappropriately delayed when the payment was shown as posting, and so they refunded the late fees and interest charged. More recently for this past XXXX, it occurred again. And then for XXXX, I went online and made the payment, but when I got my statement for XXXX recently, it's saying that the payment was never received and so it charged late fees and interested for both XXXX and XXXX. I am tying to talk to them to get them to address these situations as well and am hoping they will resolve it, but it's now seeming to be a pattern. And I have heard from others who have this credit card ( and other credit cards ) that they experience this as well. I don't know if it's just errors in these companies ' systems, or if it is purposeful as a way for them to collect late fees and interest charges from unsuspecting customers. I am lucky in that I am familiar with consumer protections laws and so know how to call them and challenge them, but I worry that many consumers won't notice or won't know how to challenge them and so just pay them. I am wondering if others have complained about this to CFPB and so perhaps it is in fact a pattern that requires investigation? Thank you for your time and consideration, and for all you do to help protect consumers across the country.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The credit card was already charged off from XXXX  XXXX XXXX but Midland funding is trying to collect

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Marlette Funding, LLC
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:
MARLETTE SERVICING LLC, XXXX XXXX, entities, associations, affiliates have been pulling my credit report without my knowledge and authorization. I have a list of dates over the past few years when the different names have acquired my records. I understand this is an ongoing issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are also entities that did not have my expressed or written approval to have, used or any such authority to make any inquiries to my credit, credit worthiness or anything thereof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 my mom, XXXX XXXX, ( I have her power of attorney ) made her last mortgage payment to diTech on line and it has posted. On Saturday, XX/XX/2019 she received a letter saying that her last payment was short {$74.00}, which was very confusing to all of us ( it is due by XX/XX/XXXX!! ). She called them today ( XX/XX/2019 ) and was told that this was a fee to release her account. 

My mom is XXXX years old, ill and on a very fixed income. She feels like she may be getting scammed or taken advantage of because she was completely unaware of any fees to close her account as she has been paying on time faithfully for the length of the loan. It seems if any " fee '' is incurred for them to send her her paperwork it should be no more than the cost of a postage stamp. 

She is very stressed over this because she feels like if it is fraud, her bank account info will be in the wrong hands, but if it IS legit she is not going to have the payment in on time. She seems to be in a no win situation at this time. 

Any help you could provide for her would be greatly appreciated. Please feel free to contact me at anytime via cell # XXXX. 

Regards, XXXX XXXX POA documents available if necessary

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, 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: Account information incorrect

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company response to consumer: Closed with explanation