BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-14
Company: Experian Information Solutions 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:
I was alerted on XX/XX/2020 by my XXXX XXXX XXXX XXXX ID. My former creditor XXXX has reported fraudulent account information to Experian Credit Bureau. I have proof of the fraudulent data reported and will attached the document. I no longer do business with XXXX. I paid off my auto loan with no balance and the company mailed me my vehicle Title. XXXX has reported to Experian that my account is still open with them and that I have an account balance of {$1000.00}. Which is 100 % in accurate. I filed many complaints in regards to the illegal business practices that the company is doing and the harassment that I have faced and still is facing. The fraudulent information reported to Experian has caused a tremendous downfall in my credit score. As a U.S. Citizen, this is not right and the company needs to be fined for there illegal actions. Would you please assist with this matter? I have submitted several complaints and yet I am still be harassed.

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 2021-05-05
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Citibank blocked my account with {$910.00} on XX/XX/2021 for no reason and when I called them they say they have to send a text message in order to verify my information but their system can't send it to my phone number, the same phone number I've been using since I opened my account with them and the same phone number they have on their system. After multiple calls with them for more than an hour their only response was " sorry we can't help you until we send that text '', now I have no money and no access to my funds because " the system can't send the text ''.

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 2019-03-24
Company: EQUIFAX, INC.
State: CA
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 sent in a dispute to remove 2 fraudulent accounts that were opened up in my name without my knowledge. I sent Equifax a copy of my credit report, an identity theft report, a police report, and copy of my social and drivers ' license so they could properly identify me. I sent in the packet via certified mail and Equifax did an investigation and sent me a letter back XX/XX/2019. They've stated that both the accounts are accurate and it is verified as such. I am very frustrated because they did not remove the fraudulent accounts. This is not the first time Equifax has completely disregarded doing a proper investigation. I am convinced that they never actually investigated it. Equifax has continued to violate my rights, and refuses to remove the fraudulent account. My life is negatively effected by these two accounts, and I've done everything they've suggested I do, and I even spoke to a supervisor at Equifax on Wednesday XX/XX/XXXX and she said there was nothing she could do. BOTH other credit bureaus XXXX and XXXX have already verified my claim and removed BOTH of these fraudulent accounts. I've attached all supporting documents. In addition i've attach one of the letters Equifax sent me saying the account is 100 % accurate and mine, even though its not!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
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: Personal information incorrect

Complaint:
They are reporting fraudulent addresses in my credit profile. XXXX XXXX XXXX XXXX, XXXX XXXX are not my addresses. Please remove from all three bureaus

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 2018-04-26
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: Old information reappears or never goes away

Complaint:
XXXX student loans used to appear on my credit report. I called and emailed and asked for proof of the loan. I received correspondence that stated there was no original loan proof and the debt was removed from my credit report. About a years time went by and just last year XXXX XXXX XXXX XXXX appeared on my credit report stating I owe {$69000.00}. I have requested proof source and have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been a XXXX XXXX XXXX customer since XXXX and have been making my payments since XX/XX/XXXX on time, even earlier than due date. I sent the corporation a certified goodwill letter asking if they could remove the negative report from my credit file ( repossession ) as though I still have possession of the vehicle and I've been paying every payment on time. I'm seeing that they removed the remarks but it was recently added back on my credit. They are also reporting that they took possession of the car and that the account is now closed, and that balance has increased to the credit bureaus all of this is incorrect. They are reporting negative incorrect information to the credit bureaus. My account is not closed and I have not missed any payments. This is such an inconvenience to me and its a shame that they do this to loyal customers. I've been trying to get a hold of someone but I've been unable to speak to a representative. They have not called or sent any letters to me or communicated in anyway. Please investigate to look into this matter 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 2018-03-31
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I sent an email to our account relationship manager, XXXX XXXX, on XX/XX/XXXX requesting a copy of the amortization schedule that matches the amortization table in the loan modification schedule on page 9. Per the loan amortization schedule and mortgage account statement, principal balance is {$570000.00}. The table in the loan modification on page 9, principal balance is {$530000.00} from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: EQUIFAX, 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:
I have disputed XXXX XXXX XXXX account numbers XXXX and XXXX many times and Equifax continues to report negative information to my credit report. The account reports inaccurate and incomplete information. I disputed the balance they verified it but Changed the amount how is that possible? Went from XXXX to XXXX. The payment dates and late pays do not match between all three credit bureaus. Equifax is missing ontime payment info on account number XXXX for XX/XX/XXXX and XX/XX/XXXX payments were reported on XXXX and XXXX. And on account number XXXX missing on time payments for XX/XX/XXXX. Also on Equifax the dates XX/XX/XXXX and XX/XX/XXXX of are listed at XXXX and 180 days late but XXXX has them listed as 120 days late. on account number XXXX Equifax has dates XX/XX/XXXX and XX/XX/XXXX listed XXXX and 180 days late but XXXX has them at 120 days late. Inaccurate information is listed for these two accounts. They refuse to investigate independently from the consumer electronic response with no proof actually being verified. I asked to have all past investigation findings, method of investigation, who verified it and their contact information mail to me as proof of investigation and they refuse to do so. Its been past the 15 days allowed to respond. Pure negligence. The original charge off balance is XXXX and the balance now is XXXX but there is no payment listed after the charge off date of XX/XX/XXXX. So when and how was XXXX dollars paid on a charged off account and if so why is it not listed as a payment? Proof of no real investigation and negligence. Proof and documents are listed in the attached files. Also there are scheduled payment listed on both acccount XXXX of XXXX and the other XXXX they are both charged off the balance should be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I attempted to secure auto financing from JP Morgan Chase Bank through a dealership. They said they required an unexpired XXXX XXXX in order to do this as I am a XXXX XXXX XXXX of the united states but as part of the XXXX process my expired XXXX XXXX was taken by the USCIS when they issued me with a passport stamp ( not just ink, physical indentations that make up the USCIS logo that would be very hard to reproduce ) in my Non-US passport that is considered the same thing as a XXXX XXXX which is good for a year. This same lender was willing to give me finance a year earlier in the same circumstances but with 14 days left until my XXXX XXXX 's expiry date ( I had a letter from the USCIS informing of a 1 year extension ) and gave me finance for longer than the term of my letter but in dealing with me this time they refused to give me financing terms for any time longer than the current stamp was valid. I believe it to be the case that they did not want to accept a valid form of the XXXX ( the exact name of a XXXX XXXX ) because they do not understand it and refused to work with me. As an XXXX trying to work and live in the US, how am I supposed to get to work and support my family if nobody will give me financing on a vehicle? I have been living in the US for 3 years now and this is the first time anybody has given me any kind of difficulty or discrimination based on their unwillingness to understand the XXXX process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: WELLS FARGO & COMPANY
State: SC
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 loan with Wells Fargo Bank. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and Wells Fargo Bank with no successful resolution. XXXX  is only reporting me late. There was definitely an error on their part. I was never 30 days late last XX/XX/2015.

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 2019-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/XXXX I received a letter directly from the creditor asking that their tradline be removed from my report. The first CFPB complaint was opened due both companies past experiences with not complying creditors request and sometimes flat out ignoring the direct request to complete the task and passing it on to another department to handle as you can see in response from Transunion who closed the ticket almost immediately and passed it on to another department and XXXX who has done absolutely nothing and now a second complaint was escalated to the CFPB on the same issue because Transunion and XXXX   refuses to properly investigate consumers request as directed by law and does not comply when a creditor request to have their tradline removed. In this case they just past it on to there coustomer relations team that does nothing. They cant even call the number and speak to Mr.XXXX ( the creditor who requested this trade line to be removed ) and whose address and phone number on on the the original document. There is no investigation there is no complying to the request of the creditor or consumer. This why I opened the second complaint against Transunion and 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 2020-01-21
Company: EQUIFAX, INC.
State: WA
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:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently sent a notice to your company advising you of the false information that you continue to report on my credit file. The account listed has such erroneous information. A reporting of such is often done to purposefully lower a consumer 's credit score. I requested for you to send me validation BEARING MY SIGNATURE!!!!! You have failed to do so. ( FYI.statements are not proof of validation ) I disputed with the credit bureaus and, I received a notice stating the account was updated. However, the update not only included the same false information but also showed the account was not listed in dispute. I disputed this Capital One Account again with the credit bureaus ; the account shown was verified with the same information. Please note I have kept strict and accurate records of all transactions between your company and myself, and the credit reporting agencies and myself. I am fully prepared to present this undisputable information to the court if necessary. 

This account needs to be removed from my credit files immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I have been sending about {$300.00} monthly to a XXXX XXXX in XXXX for over a year. Sometimes, if they have an emergency like someone is sick or i jured, I will send more. This was after getting to know the head pastor and and assistant pastor over XXXX XXXX and phone calls and texts. I have seen many, many, many photos of them leading XXXX services and revivals. I have spoken to them on video phone as well. Suddenly both XXXX XXXX and Moneygram REFUSE TO SEND my monthly gift WITHOUT EXPLANATION. I tried to send them {$600.00} recently to buy an Air Conditioning unit for ther church because their old one died. It has been over 120 degrees Fahrenheit in the daytime in XXXX XXXX where they live!!! PEOPLE ARE DYING FROM SUCH HEAT!!! But both XXXX XXXX and Moneygram have REFUSED TO SEND MY MONEY EVEN WHEN I BRING IT TO THEM IN CASH!!! I want the servce they OFFER EVERYONE ELSE!!! There are severe limitations to who offers such services to XXXX. I can not just pick another service! I served my country 28 years and held a XXXX XXXX XXXX, why am I being singled out for NO SERVICE?!? Or do they just not like people of XXXX or XXXX!?!!! The pastor in XXXX has visited the USA several times and is friends with the ex-governor of Arkansas, XXXX XXXX. How is a XXXX XXXX deserving of such abuse!?!?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
Company: Mr. Cooper Group 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:
Nationstar mortgage incorrectly reported that I missed over 6 mortgage payments in 2016. I only missed one payment, due to there incorrect information while I was waiting on final approval on a harp loan modification. They advised me that one missed payment was acceptable and that it would not affect my credit. I later discovered this to not be correct, and they continued reporting it as if I had not made payments. That was wrong, and they have not corrected the mistake to this date. I did miss one payment, but only because they did not have all the necessary paperwork completed in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
Company: Opportunity Financial, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have tried to resolve this debt but was advised that this is now with their attorneys thats threatening wage garnishment and over {$500.00} in fees. I just started hearing from this company that I got a loan from in XXXX a couple of months ago and Im not left with any options and an enormous fee from lawyers. I also am requesting the account summary for the entire loan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: EQUIFAX, 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:
On XX/XX/XXXX, I appealed to and disputed a number of fraudulent accounts to the major credit reporting agencies that stemmed from a security breach where I became a victim of identity theft. I disputed the accounts toward the legal grounds of FCRA section 605.b, yet to no avail. I have received no response from any of the aforementioned in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
requested validation on debt owed never received.

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 2017-08-03
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: Information belongs to someone else

Complaint:
Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance Not reported Status Paid, Closed. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$3700.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$5700.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$3800.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$1900.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$5400.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of 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 2018-04-26
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 status incorrect

Complaint:
Equifax is still reporting a Debt Collection that is no longer open and has been requested for a deletion by XXXX XXXX XXXX, XXXX. This was requested on or aroundXX/XX/XXXX. This is a direct violation of the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). As follows is a copy of information received from XXXX XXXX XXXX, XXXX following compliant ID # XXXX. 
This office acknowledges receipt of the complaint you have filed with the Consumer Financial Protection Bureau. The account in question was referred to our office for collection in XX/XX/XXXX. As you had requested, verification of the obligation was mailed to your home address in Texas on XX/XX/XXXX. In light of your dispute of the underlying obligation, we have closed this file and returned it to our client. As such, you will not receive any further communication from our office concerning this matter. Additionally, we have instructed the credit reporting agencies to delete any update we may have placed on your credit profile. Please feel free to contact me directly if I can be of further assistance. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Managing Member/General Counsel XXXX XXXX XXXX

Company response to consumer: Closed with explanation