BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-16
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: Information belongs to someone else

Complaint:
remove this XXXX Violations FCRA : XXXX T XXXX XXXX T XXXX XXXX XXXX XXXX XXXX T XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX CT XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX SPRING, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX SPRING, TX XXXX APARTMENT COMPLEX XXXX KINGS XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Year of Birth Select as many as apply

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The following accounts do not belong to me, therefore Im demanding that these accounts be removed from my credit files. 

1. Credit Factor Accounts ( CH 13 ) 2. Credit Factor Accounts ( CH XXXX  3. XXXX {$1000.00}

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 2018-01-20
Company: Williams, Rush & Associates, LLC
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have requested that XXXX provide me with verification and validation but to no avail. This is not my debt and i never received any notice of this alleged debt. Now they continue to call and may threats

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Since XX/XX/XXXX I have persistently been in disputes with XXXX, TransUnion, and XXXX along with XXXX XXXX XXXX in regards to reporting an invalidated account.Every month since initial contact in XX/XX/XXXX all three credit bureaus states that " they '' have verified the debt. This is impossible! Reason being is that I have sent certified letters to XXXX to fully comply with a validation of debt in the amount of {$1400.00} and also just because this account is damaging my credit file, I have requested twice by letter for a settlement. Till this day, XXXX has ignored all my letters and only respond by telling me that they purchase this account following by billing statements dated from XX/XX/XXXX with balance of {$3300.00} to XX/XX/XXXX with a balance of {$4200.00}. This week I have sent all three credit bureaus an online dispute for immediate removal due to the fact that XXXX is in violation of the Fair Debt Collection Practices and that they have FAILED to submit specific supporting documents as requested by consumer such as ; signed contract, payment history, proof of purchase from original creditor, etc. Secondly, it is absolutely unfair for XXXX and the credit bureaus to continue to report this collection after numerous attempts to settle have been made and the request for validation has not been validated! Either agree to settle Or STOP REPORTING!! It is so obvious that XXXX will not and can not validate this debt lawfully so the credit bureaus must delete immediately! Additionally, if the last billing statement balance is {$4000.00}, then how and why are you reporting {$1400.00}? Where 's the payment history? Where did this amount come from? Again, how did the credit bureaus validate this amount? Answer is, the credit bureaus did NOT investigate properly and reporting illegally. Enclose I am attaching all letters sent to XXXX and the letter and billing statements they sent me. Please accept this as burden of proof that I have done all that I know to do in efforts to resolve this matter as it has crucially affected my ability to show creditworthiness to other potential creditors and has exhausted me physically and mentally.

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 2021-04-16
Company: NFM, INC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My fianc and I reached out to NFM Lending in XXXX to start the process for an FHA loan. We were looking to sell our home and find a bigger house for our growing family. We advised NFM Lending I had some credit card debt I would like to pay off with our tax return when we received it. With the understanding raising my credit score would improve our interest rate. We paid off my credit card in early XXXX but were advised by NFM Lending that it might be best to wait until XX/XX/XXXX so everything could clear on the credit report. We listened. 
NFM Lending was fully aware my fianc and I would be applying for the loan together, just like we did the first time we used XXXX at his previous company. 
My issues is, raising my credit score meant absolutely nothing as NFM Lending advised they take the lower, middle of the peoples scores applying for the loan. My finaces credit score was about XXXX points lower than mine. Not one question or statement was ever made about my fianc 's credit. 
This issue would have been avoided completely if NFM Lending did their job and advised us that they would have to take the lower middle of the 2 scores in XXXX. 
We found out in XXXX we couldn't get approved for our new loan due to our debt to income ratio. I completely understand, NFM Lending couldn't do anything about that. That said, the interest rates to refinance were at least a full percent lower in early XXXX than in XXXX. If we knew in XXXX we couldn't sell our house, I would have refinanced right then.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The following account is not paid late, I never made a late payment on the accounts ever. Not to mention, they will not give me an explanation as to why they won't fix this erroneous inaccurate claim that has greatly affected my credit score. CFPB step up, reverse the late payments 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 2017-11-07
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have a several private loans that I procured and when I lost my job I was unable to pay them in a timely fashion. I had co signors for these loans. I have since started working and I started to make small payments on getting these handled. I am currently working through Navient. I was unable to make the payments for a while so I was not able to make the payments. I got a call last month stating that the only payment options would be gettting a loan to pay {$11000.00}. This would remove the co signors from my loan. I told them that I am not able to pay that amount all at once. They suggested borrowing money, asking for a loan or using a credit card. I told them that with my credit history due to my defaulting on loans. It was not an option They gave me another option to pay {$35000.00} and the amount would be settled. Again, I do not have access to this money. They say they will reach out to my co signors and ask them for the money. I told them, I understand that I asked for a loan and that I have a co signor but they are not in the position to help and I want to take full responsibility to clear this up. I do not want them to harass my co signors. I also want them to be able to understand that i want to make a payment plan that is affordable for me. The last option was to pay a down payment of {$2500.00} and then pay $ XXXX/month. None of these options are financially viable for me. I am renting a room, i pay child support and I have other obligations that I am paying. I would have no money to eat or live if i were to accept this. Because these are private loans I have no option to consolidate these loans with my other Fed Loans ( which are currently being worked on and has been an easy process so far ) I feel like i was taken advantage of when i was younger and unaware of the credit implications later on down the road. I want to make these payments but they are not working with me. I do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hello, on XX/XX/2017, when applying for my Best Buy Credit Card, I was promised the credit of 10 % back in rewards on my first purchase when I am approved for a my Best Buy Credit Card. 
I was approved, and made the purchase on the same date ( the order # XXXX ), but there 's no 10 %  back in rewards on my first purchase of XXXX in my first credit card bill. 
I contacted the merchant by messages thru their web site, then by phone, but in vain. 

For a resolution, I 'm looking for is to get the promised award now.

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 2022-03-07
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 have been a victim of Identity Theft and back in XXXX of 2022, I submitted documentation to the credit bureaus lettting all 3 know that there were Student Loan accounts on my credit reports that don't belong to me and should be removed. None of the bureaus have responded to my complaints as of today and I am just asking that the bureaus do the right thing here and remove these accounts, please see the attached documents.

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 2019-06-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
In all the years that I've been doing business with companies, I never perceived of, nor am I interested on purchasing services from them. Remove from my credit report XXXX XXXX - XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : 01 XXXX XXXX ), XXXX XXXX XXXX XXXX ( ORIG CREDITOR : 10 XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: EQUIFAX, 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 have been a victim of Identity Theft and back in XXXX of 2022, I submitted documentation to the credit bureaus lettting all 3 know that there were Student Loan accounts on my credit reports that don't belong to me and should be removed. None of the bureaus have responded to my complaints as of today and I am just asking that the bureaus do the right thing here and remove these accounts, please see the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: JPMORGAN CHASE & CO.
State: CA
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 HAD XXXX, WHICH I BOOKED TRAVEL TO XXXX XXXX ON XX/XX/XXXX FOR TRAVEL ON XX/XX/XXXX XXXX XXXX, XXXX. 

AFTER COVID 19, HIT THE UNITED STATES I CONTACTED THE CREDIT CARD COMPANY TO CANCEL THE FLIGHT SO THAT I WOULD BE ABLE TO USE THE POINT AFTER THE COVID 19 PANDEMIC. 

I THEN HAD ON XX/XX/XXXX XXXX POINT FOR TRAVEL WHICH EQUATES TO ABOUT {$5000.00} IN TRAVEL OR OTHER BENEFITS. 

I WAS NEVER NOTIFIED OR ANY ACCOUNT CLOSURE BY ANY TELEPHONE CALL OR TO THE ADDRESS ON FILE AND THEY INTENTIONALLY CLOSE MY ACCOUNT SO THAT I WOULD NOT BE ABLE TO USE THE POINTS. 

APPARENTLY, THEY SENT A LETTER ON XX/XX/XXXX, I CALLED IN ON XX/XX/XXXX IN ACCORDANCE WITH THE LETTER AND NO ONE TOLD ME THAT THE ACCOUNT WAS GOING TO CLOSE MY ACCOUNT. 

I CALLED IN TODAY AND THEY TOLD ME THAT MY CARDS HAVE BEEN CANCELED WITHOUT MY KNOWLEDGE AND THEY KNEW MY CORRECT ADDRESS.AS SOON AS THEY REALIZED WHAT THEY DID THEY HUNG UP ON ME AND WHEN I CALLED IN THEY KEEP HANGING UP ON ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-14
Company: Experian Information Solutions 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 status incorrect

Complaint:
My XXXX Acct and personal loan is showing as late, when I have always paid on time with all of my acct. And it was never late. I have tried in good faith to work with XXXX XXXX XXXX credit union and also the credit bureaus to correct this, as this false information is hurting my ability to some day seek a mortage

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 2019-06-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Why is this on my credit report i cant locate it..based on my research, XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. 
CHAPTER XXXX BANKRUPTCY : BANKRUPTCY

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I submitted dispute through credit bureaus and they advised the debt was not mine. Then I contacted company via telephone and advised them that the debt was not mine and they advised me to file a police report, verified my address and updated it in there files. Not sure how to file a report on something dated XX/XX/XXXX,XX/XX/XXXX. Then I sent two validation letters to the company requesting validation of debt, one XX/XX/XXXX, one XX/XX/XXXX and I received account summary report which is not validation/proof that I obtained the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: SOUTHSTATE CORPORATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
South State Bank Mortgage Negligence for XXXX  and XXXX XXXX XX/XX/XXXX We received an annual escrow account disclosure from our Mortgage Lender, South State Bank, XX/XX/XXXX. The statement indicated that our mortgage payment would go up {$200.00} a month due to low balance in our escrow. We called the same night and spoke to a representative and determined that the Escrow department significantly under estimated our homeowners insurance, even though they had a copy of our homeowners insurance statement from our closing in XX/XX/XXXX and a recent adjustment to our homeowners insurance. It was determined that South State was at fault. 
We called the next XXXX XX/XX/XXXX XXXX and spoke to supervisor XXXX  and I asked for a letter stating XXXX XXXX XXXX an error in their projection. She assured me a letter would be sent to me. 
On XX/XX/XXXX We made a payment to our escrow account of {$1400.00} to keep our mortgage payment lower. 
On XX/XX/XXXX we still had not received a letter. I called XXXX I called South State Mortgage Servicing department and spoke to supervisor XXXX XXXX XXXX XXXX and she assured me the same letter would be sent to use within 3-5 business days. 
On XX/XX/XXXX, we noticed the escrow payment was sent to our principle. So, we called South State to correct the error and they assured us it would be corrected. 
On XX/XX/XXXX, we received a Mortgage payment statement and the escrow payment had not been resolved. We also received a letter stating the escrow shortage is under review. This is not the letter we requested. We requested and two supervisors stated they would in fact send us a letter stating the escrow projection was in error. We called the mortgage servicing department the evening of XX/XX/XXXX and spoke to supervisor, XXXX. She said she saw the error where the additional escrow payment was applied to the principle and would immediately correct it. She also stated she would inquire about the letter and call me back. 
XX/XX/XXXX. As of this morning none of the issues have been resolved and XXXX never called us back. 
We consider this Mortgage negligence and will be seeking counsel. 
XXXX  and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file XXXX, XXXX, XXXX, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loan service provider is Navient. I am enrolled in XXXX and received payment stubs listing the payment amount of {$360.00}. Instead of paying the amount on my statement I pay {$400.00}, and after doing that my payment amount has changed. The balance on largest loan has decreased very little, but the balance on my small loan has increased. My XXXX tax statement says that I paid {$3900.00} in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
ON XX/XX/2022, A WITHDRAWAL FROM OUR ACCOUNT WAS MADE IN THE AMOUNT OF {$4000.00} AT A WELLS FARGO BANK, XXXX XXXX XXXX XXXX, XXXX, TEXAS, XXXX. WE LIVE IN FLORIDA. ALTHOUGH THIS WAS AN UNUSUAL WITHDRAWAL, NO ONE FROM THE BANK CONTACTED US. WE FOUND THE ISSUE WHILE PREPARING TO PAY BILLS AND FILED A FRAUD CLAIM. WE RECEIVED A LETTER FROM THE BANK DATED XX/XX/2022 THAT THEY WOULD NOT REIMBURSE US. THE BANK DETERMINED THAT IT WAS NOT FRAUD AND THAT I HAD TAKEN THE MONEY OUT, WITHOUT ANY CONVERSATION WITH ME. I ASKED FOR THE EVIDENCE ON A CALL TO THE BANK 'S CLAIMS ASSISTANCE CENTER-CHECK FRAUD CLAIMS DEPT ON XX/XX/2022 AND WAS TOLD BY " XXXX '' THAT IT WOULD TAKE 30 DAYS TO SEND WHAT ASSURED THEIR DECISION. THIS INFORMATION NEVER CAME. 

SHE TOLD ME AT THAT TIME THAT THEY HAD CCTV EVIDENCE AND " MY STATE ISSUED ID ''. I HAVE BEEN IN MY POSSESSION OF MY BANK CARD, STATE ID, AND WAS NEVER IN TEXAS. THE CCTV WOULD PROVE THAT IT WAS NOT ME AT THE BANK AND THE SIGNATURE COPY THAT WE GOT FROM THE BANK DOES NOT LOOK MINE. IT EVEN INCLUDES IN THE SIGNATURE MY MIDDLE NAME THAT I NEVER USE AND HAVE NOT USED AT THE BANK. WE WENT TO THE LOCAL BRANCH AFTER REPORTING THE CRIME TO OUR LOCAL POLICE AND OBTAINING A CASE NUMBER ( XXXX ) THAT INIATED A " POLICE REPORT '' ON XX/XX/2022. THE BRANCH MANAGER WOULD NOT RETURN THE MONEY AND TOLD US THAT WELLS REFUSED TO REOPEN THE CASE EVEN WITH THE KNOWLEDGE THAT WE HAD FILED A POLICE REPORT. WE ARE TOLD THAT THE CASE HAS BEEN TRANFERED TO TEXAS. ON XX/XX/XXXX, WE CLOSED OUR ACCOUNTS AT THE BANK. 

I AM FILING THIS CLAIM AGAINST WELLS FARGO IN ORDER TO HOPEFULLY GET OUR {$4000.00} REIMBURSED.

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 2022-03-07
Company: Experian Information Solutions 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:
My name is XXXX XXXX and I have been a victim of Identity Theft and am trying to get my life back. I submitted the proper documentation to all 3 credit bureaus and they have yet respond. By law within 4 business days they should at least block the information while investigating. The bureaus do nothing to protect us the consumers.

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 2022-03-07
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:
My name is XXXX XXXX and I have been a victim of Identity Theft and am trying to get my life back. I submitted the proper documentation to all 3 credit bureaus and they have yet respond. By law within 4 business days they should at least block the information while investigating. The bureaus do nothing to protect us the consumers.

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