BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to you because I had reached out to XXXX and XXXX on XX/XX/XXXX and XX/XX/XXXX about a serious issue with an account reporting falsely on my credit report. I want to know why this is still reporting if it doesnt belong to me? You never sent me any correspondence about this. I have been a victim of severe data breaches dating as far back as XXXX. My previous employer had a major breach where my personal information was leaked and used, including social security number and financial information. I have to check my credit regularly to make sure nothing is happening.

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 2017-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
BANK OF AMERICA is not reporting an account I have with them to all 3 credit 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 non-monetary relief
Consumer complaint received 2019-04-10
Company: Square Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Throughout the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I was receiving payments from a friends. I had allowed this friend to borrow money and he was using his XXXX XXXX, which he had linked to his Cash App to send me money directly to my Cash App as repayment for the loan. On XX/XX/2018, however, I recevied a notification that this person, whose username is " XXXX '' on Cash App filed a dispute with their XXXX XXXX and that those funds would be refunded to him. On that day, I had several payments taken out of my account and returned to him, totaling {$3100.00}. After talking to him, he claimed he had no idea what was going on. We tried to resolve it but then, on XX/XX/2018, I again received notifications claiming that more payments were disputed and were being refunded, totaling another {$1300.00}, for a sum total of {$4500.00} between the two days. After further talking to XXXX, we realized that his father, who shares the card with him filed the dispute because he did not recognize the charge on the statement. Realizing his mistake and that the payments to me were indeed valid, he reversed the dispute with his XXXX XXXX. They then sent the funds back to my Cash App account between the middle to the end of XX/XX/XXXX. All the funds had been sent back by XX/XX/XXXX. Cash App, however, did not credit my account with these funds, even after trying to contact them numerous times. They do not have telephone support so everything must be done by email, which is extremely slow and frustrating. Finally, after several months, they did credit me for the {$1300.00} that was taken on XX/XX/XXXX but have yet to return the {$3100.00} that was taken on XX/XX/XXXX. I have talked with XXXX who has confirmed that the money was indeed send to Cash App. They have even sent me a letter that was sent to Mr. XXXX, who is XXXX 's father, that confirms the reversal of the dispute. I've tried contacting Cash App several time in the past few months, but they simply no longer reply. My emails get ignored. I've even submitted the letter to them. All I ask is that the {$3100.00} that was erroneously taken from me is credited to me now that it has been send back to Cash App from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I do not have an account with XXXX XXXX I never opened an account with them and really unsure why they are reporting on my credit a Open 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 2019-07-24
Company: EQUIFAX, INC.
State: WV
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:
XXXX/XXXX told the Consumer Financial Protection Bureau the account is to old to validate and will be reported for removal from credit bureau reporting. However, that has not occurred and Equifax is not removing it from my report. I have disputed this twice. I sent them the companies response to the Consumer Financial Protection Bureau and it still hasn't been removed. XXXX did not even send me notification it was being sent to the credit bureau or a right to dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Repeatedly have asked XXXX XXXX to remove and send me information when account was opened, how it was opened, who opened and signed for card. They have no information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-09
Company: EQUIFAX, INC.
State: MI
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 had a credit card that was charged off in XX/XX/XXXX that should have reported 1 time-30 ; 1 time 60 ; and 1 time 90 and it was written off after that. However, the company reported that I was late 1-time 30 on 15 different occasions on my credit reports showing the most recent late in XX/XX/XXXX. A correction was requested on several occasions but the same information is being updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have had this student loan over 15 years. Never have been forgiven on any student debt when others have. My area has been affected by hurricane Florence in XXXX of XXXX. I almost lost everything. In XXXX of XXXX, i made a {$250.00} and was told i would be given a forbearance. It is XX/XX/XXXX today and they have flagged my account 60 days past due which should not be there as i was told i would be given a forbearance. Im trying to close on a home equity line of credit which will enable my family to get back on their feet and also pay the NC XXXX student loan out. This is the most deceptive treatment i have ever received and nobody their will discuss their mistake which is adversely affecting myself and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, XXXX could not provide the services that they sold to me due to the coverage issues they were having and their need to add more cell tower coverage in my area. I had expressed many concerns with XXXX and rather than doing the responsible thing, they chose to make me wait out my contract. As painful as that was when canceling, I had already paid for services in advance to XXXX so the last bills should have been covered. XXXX sent an erroneous balance of {$410.00} to Convergent to collect on. They had already collected monies that covered any final bills and this was challenged by me and subsequently removed from my credit report. Now in XX/XX/XXXX and without any notification, I see that it was again added to my credit file and there was no communication informing me of this. This is a complete misuse of power and needs to be removed as it is effecting my credit report. I do not have any history of collections EVER with any other company. XXXX and Convergent are in the wrong and it is effecting me personally. I am hoping for assistance or I may need to  contact my attorney. At this point, its about doing what is right. I genuinely believe that XXXX is just a big company that isn't getting the right people assigned to this and that this file is being bounced around with the representatives that work at Convergent. All I am asking is that this be removed off of my credit report as it has already been challenged and removed previously. This is double jeopardy and a big company game that needs to stop.

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 2019-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/19 I reviewed all three credit bureaus and noticed there was fraudulent activity on my credit reports and on XX/XX/19 I requested a security freeze, fraud alert be placed on each credit bureau. On XX/XX/19 I mailed 3 signed, certified dispute letters with Federal Trade Commission Affidavits to XXXX, XXXX and Trans Union paying a total of {$25.00} for the mailing fees. I received notification on XX/XX/19 that XXXX received the certified packet and its contents with the tracking number XXXX. On XX/XX/19 I received notification that XXXX received the certified packet and its contents with the tracking number of XXXX. On XX/XX/19 I received notification that Trans Union received the certified packet and its contents as well with the tracking number XXXX. Next, on XX/XX/19 I went to review all three credit bureaus and paid my monitoring website {$24.00} to refresh all reports and noticed that each fraudulent account was still on my credit and there was no changes on any of the credit reports. It is now XX/XX/19 and I reviewed my credit reports again and there are no changes. I have not received any investigation notes whatever and now I am reaching out to the Consumer Financial Protection Bureau to help me rectify this urgent situation. It has been well over 30 days as stated in the Fair Credit Reporting Act section 611. Additionally, I did send copies of the section 611 with all the certified packets to further support my case.

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 2018-01-11
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a car from XXXX XXXX XXXX. I had full coverage and gap insurance. The car was totaled out in a wreck that was not my fault. The insurance and the gap insurance paid it in full. 
Now XXXX XXXX XXXX is reporting on my credit that I owe XXXX. I do n't owe XXXX XXXX any money. Please help me if you can about this because this is not right

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
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:
On XX/XX/XXXX and XX/XX/XXXX of XX/XX/2019, I submitted via certified mail, notarized FTC reports, notarized police reports and notarized personal statements that highlighted fraudulant/inaccurate personal information and inquiries on my credit report with Transunion. Per my request and FCRA rules the bureaus had 3 days to remove incorrect information from my profile, however they only removed/updated some items. I have given the bureau ample time past the allowed time given via the law to remove all fraudulence personal information and associated inquiries yet they are refusing. I have disputed such items and the bureaus has refused to properly verify the validity of such personal information and inquiries. 

*Please see attached documents titled Id Theft6 and Id Theft2 underneath address and Inquiries

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 2019-04-10
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:
one XXXX account is reporting fraudulently on my equifax credit file. this in is not my account, i have disputed this account for many months XXXX and XXXX have already removed this account with the best customer service, but equifax is very much ignoring my request, please help, i have XXXX and found out that is site would be helpful to consumers. you are my last hope. please have this inaccuracy removed from my credit file, i will be attaching the FTC report to this site please help me with this matter thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-24
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
They contacted my father and fully disclosed the debt, the amount owed and who I owed it to. This has created a huge issue in my family and making me embarrassed as I was going through a divorce. Why are they allowed to tell my dad about my debt? I thought that was illegal? I am contacting a lawyer now to see what else can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
My personal information on the LexisNexis report is inaccurate. I disputed the information however it is still inaccurate. I have a copy of my driving record from the state department of Illinois state motor vehicle. I need my information on the LexisNexis report to coincide with what is on my legal report from the motor vehicle department of the state of Illinois, my driving record.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home loan was transferred from XXXX to this new servicing company, Loan Care XXXX # XXXX. They were behind and delayed in sending communications about the transfer of the servicing and apparently my direct autopay was removed, even though they have it on file. I made the payment on XX/XX/2019 online since the new servicing Company stated over the phone, upon speaking with me that my autopay was not transferred and I needed to establish that again. I received this information also in writing. Today, XX/XX/XXXX, I realized that the new servicing Company ( Loan Care ) took the initiative to take another payment without my consent. I called them today immediately to request refund but they told me will not be able until XX/XX/XXXX. I told the specialist as well as his supervisor that's unacceptable because I have another auto draft mortgage payment that is scheduled for this Friday and my money {$880.00} needs to be back into my checking account this week, by XX/XX/XXXX, ASAP to avoid incurring in late fees or credit impact. 

I am reaching to this regulatory agency for help since they are not taking seriously my concerns. What they did is a violation of bank regulations, taking additional payment without customers consent even when the account shows current. That's crazy!

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 2019-04-10
Company: Exeter Finance Corp.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Exeter reclaimed a car that was nearly paid off. Only {$500.00} was left to pay for teh car. And the car was also sold at an auction which wiped out the debt. Yet exeter is trying to collect {$XXXX} from me. They are also reporting that account as open on my credit file, which it is not. It os a closed charge off. And the past due amount is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I submitted an Identity Theft Report to the all 3 Credit Bureau on or around XX/XX/2019 and stated, " I am a victim of identity theft and that the accounts listed in my report does not relate to any transaction ( s ) that I had made. I requested that they block all the accounts listed and information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Experian requested additional Indemnification documents from me in which I provided but I haven't heard anything back from them. The additional documents they requested I sent in my original dispute as well.

All accounts were removed except " US Bankruptcy Court Clerk of XXXX XXXX  CT " in the amount of {$0.00}. I filed a police report, filed a Federal Trade Commission Identify Theft Report - XXXX, and completed an identity Theft Victims Complaint and Affidavit. 

This account is not mine and I am requesting that it be removed 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 2022-08-11
Company: WELLS FARGO & COMPANY
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : WELLS FARGO CARD SER 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 2018-01-12
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We originally fell behind on our mortgage when my husband had an accident and was unable to work due to a XXXX XXXX. We tried to get a modification and was unapproved. In XXXX XXXX they put us on a payment plan and told us to put {$10000.00} down and make payments of {$2500.00} a month for ten months ... We were now behind {$20000.00}. When we first started trying to get modified we were only behind {$6000.00} which was XXXX XXXX. We kept getting the run around with no answer until XXXX XXXX when we got a reply that that modification program had ended in XXXX XXXX. We started the payment plan with {$10000.00} down and made the payments on time and even paid more than was due. Hurricane came and Ocwen contacted me and told me due to the disaster I was eligible for the disaster plan which would give me three months no payments but I could still pay something on the loan if I had it. A month later I tried to make a payment and was told that I could not. When I asked why they said I defaulted on the payment plan. I told them that they put me on the disaster plan. They said that I did not qualify for the disaster plan after they submitted it. I asked why did no one contact me to let me know and they just apologized and said nothing could be done. I was then told they can put me on another repayment plan in order for me to keep my home. This time I needed to put {$8000.00} down on XXXX the XXXX and make a payment in the amount of {$3500.00} on XXXX XXXX. I told them that I can not afford those types of payments but they said that was the only option. I took a loan out on my car and paid the {$8000.00} but I cant afford {$3500.00} a month. My regular mortgage payment is {$1600.00} a month which I can pay with no problem. I asked them if they could take the {$10000.00} that I am behind and roll it into my mortgage as I have over {$60000.00} in equity andI was told no.

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 2019-07-24
Company: DISCOVER BANK
State: NC
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:
Discover Financial performed and unauthorized inquiry on my credit on XX/XX/2018. They issued a letter stating the inquiry would XXXX has not removed it so I am filing a complaint against both companies.

Company response to consumer: Closed with non-monetary relief