BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-17
Company: Experian Information Solutions Inc.
State: VA
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:
This is a complaint against timeshare XXXX. I have requested multiple times for verification of an account that is reporting on my credit. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit. We've been requesting for validation but had no responses. I have requested multiple times for verification of this account and send out disputes on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Our rights under Fair Credit Billing Act of 1974 is not being followed. There is improper billing, my financial information has been shared without my permission, and my rights are being violated. I want this account to be closed or validated. They're willfully neglecting the verifications to purposely cause harm and stress. I have disputed this account for validity it is not been verified they continue to attempt to take money out of my account and threaten me with legal action which they are willfully not following the law and violating my rights under the fair credit reporting act. We feel we're being profiled and neglected by these conglomerates for they only demand payment with no evidence of the right to collect. I need assistance in this matter and these companies should be penalized for violating federal law.

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 2017-11-18
Company: JPMORGAN CHASE & 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:
My identity was stolen. At the early part of 2016, I started to receive telephone calls from several credit card and a exercise equipment company stating that I had taken out credit and had began to go delinquent in my payments. I filed a police report and provided it to all the creditors that I did not recognize on my report. While some companies have removed the fraudulent accounts from my report, Chase is one company that has refused to do so. I hired an attorney to handle this matter for me. He stated that Chase would only agree to settle the balance that had now charged off. I made all the installments to pay it in full. However, the impact of identity theft is still affecting me because this shows as a negative entry on my credit. I would like for Chase to take in consideration all of the documentation I 've provided on identity theft and the great lengths I 've gone to get this rectified. I have disputed this in writing and directly through the bureaus but no one will listen to me! I have even agreed to pay money back that I never received. I want them to remove this from my credit report because we NEVER were in business on this account and they have come out the victor by getting money from me anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: CAINE & WEINER COMPANY, INC.
State: IL
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:
This is a new complaint filed on XXXX XXXX. 
This information is unresponsive to my demand. So I respectfully request you to remove this incorrect information from my Credit report. Also, I demanded proof I : XXXX XXXX owe You : Caine & Weiner Company, Inc XXXX. The information you provided was not proof I owe you any money. In fact, Caine & Weiner Company, Incs name was not present once in the ledger provided. Furthermore, Every step must be taken to assure the information reported is completely accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
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:
I have submitted multiple disputes to XXXX to advise the accounts listed are not mine. I have even provided a police report. The report has been damaged as I was in the direct path of Hurricane Michael but I sent what I had and they refuse to remove these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage used to be with Seterus. A new company acquired my mortgage. The company is Mr. Cooper. My old mortgage payment was {$1000.00} per month. When I received a bill from the new company the mortgage was now {$2500.00} a month. The new company showed charges for acquiring my mortgage such as an appraisal, lender expenses ( XXXX ) and a late fee of {$170.00}. I received a letter from the stating no late fees would be assessed for 60 days. This seems excessive for a late fee any way. I have tried to call the company but am always on hold for about 30-45 minutes before I get frustrated and hang up. I received a letter stating nothing would change with the mortgage payment. I don't understand how they can do this. I didn't ask them to buy my mortgage. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On more than one occasion my payment cleared my bank and was not credited toward my loan. This caused payments to fall behind. I would catch up and then another payment would not be applied. I have provided the company with the bank statements showing the payment clearing in hopes they would correct the account-to date they have yet to do so. I make bimonthly payments every month to complete a full payment and the account continues to show past due with an unbelievable about of late fees and interest due. I would not be past due if the missing payments had been applied. Unfortunately, I am not in a position to pay the additional fees and payments again but have and will continue to make my $ XXXX monthly payment ( payment is {$570.00} XXXX. I contacted the company lasts month to discuss the possibility of adjusting the due date to bring me current in hopes of saving money in fees, I was told that since they were a second change lender that would not be an option.

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 2019-03-29
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I'm on a income driven plan which is XXXX dollars and I make payments anyway but I'm being charged interest daily which appears on my credit report as a increase. I swear over XXXX has been added to my account. This has to be illegal. I'm trying to knock the smallest loans first but honestly daily interest is hurting me. What can be done?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: WELLS FARGO & COMPANY
State: VA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My Ex-wife, XXXX XXXX XXXX ( XXXX XXXX ) took out a student loan in XXXX to attend college during our marriage. I co-signed for that loan with Wells Fargo XXXX XXXX XXXX. In XXXX we divorced, and as part of that divorce decree she was to assume 100 % of her student debt. She has no paid the debt and let it lapse. Wells Fargo continued to harrass me for years even after I told them I am no longer legally obligated. The debt has since been charged off and the credit bureaus cant remove it. I have asked Wells Fargo to take my name off of it but they refuse to.

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 2021-09-17
Company: Flat Branch Mortgage, Inc.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have a mortgage with Flat Branch Home Loans ( underwritten by Fannie Mae ). We were close to 20 % equity and wanted to see about ending the PMI charges. We called Flat Branch and they said they would have to check with Fannie Mae. Weeks went by with no response so I called again and they said, you're still a bit over 80 % so you can pay $ XXXX to get over the threshold and then you can ask to end the PMI again. 
I sent {$2200.00} which was credited to the principal on XX/XX/17. 
I called again about ending the PMI charges and was told again that they would submit it to Fannie Mae. Weeks went by again. I finally got an email from Flat Branch on XX/XX/17 saying that NOW we need to be over 22 % equity and I have to send another $ XXXX and MAYBE they will stop charging PMI. 
We have excellent credit, have never had a late or missed payment on the mortgage or anything else. There is no reason to keep changing the target and asking for more money just to end the PMI charges, which exist to mitigate risk on low-equity loans. This is both deceptive and predatory.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
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:
There is an account in my report that is causing my scores to drop. It is reported inaccurately and I want it removed for violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My loan is services with Ditech. I make my payment every two weeks of {$1500.00} to make extra payments, the company is putting the payments in suspense rather than applying to my mortgage. They are then charging late fees. I just received a notice to foreclosure saying I was 30 days late. I called them and was told to just disregard it. I asked if theyd like to be receiving regular payments and the agent said no. My act of making extra payments vs just paying monthly let to this notice. I dont think that they should be taking my money, holding the payments, charging late fees and sending foreclosure notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: Experian Information Solutions 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 multiple inaccurate accounts they are reporting to my credit report and they have failed to respond to my disputes! These accounts are false and inaccurate! 

XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-09-12
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:
XXXX has been non-compliant with removing the unverified account WELLS FARGO DLR SVC/ which has been deleted by XXXX and XXXX . XXXX   and XXXX have both completed their research and determined that WELLS FARGO DLR SVC/ was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2019-08-26
Company: CITIBANK, N.A.
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 information incorrect

Complaint:
I have several accounts that the balance is incorrect and on a couple the limit is also wrong. I am tried to dispute and I get the company has not reported the updated information to them. The following are my accounts that are not updated : Macy 's {$130.00} should be {$13.00} dates XX/XX/XXXX, XX/XX/XXXX & XXXX XXXX XXXX {$280.00} should be {$170.00} XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX {$980.00} should be {$710.00} XXXX & XX/XX/XXXX XXXX XXXX {$120.00} should be {$0.00} XXXX & XX/XX/XXXX XXXX XXXX {$120.00} should be {$55.00} XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I have called all the creditors and they keep saying the updated information is going to the credit bureaus monthly. Can you please help the 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 2019-05-10
Company: Experian Information Solutions Inc.
State: SC
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 been filing disputes with Experian for the past three years as they continue to report the wrong items with 2 creditors who were paid off thru other creditors who brought the accounts. As of XX/XX/2019 they decreased my scores by 23 points in the past DAY because of my disputes and complaints as nothing have changed in my payment history of my current creditors.

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 2018-03-18
Company: EQUIFAX, INC.
State: NJ
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:
This is a corporate credit card. They agreed to remove as it was not my fault it wasnt paid as the amount was so large it required executive level sign off. It went on my credit and its not my card its the company card used for corporate travel. I no longer work for the company and it continues to hinder/ruin my credit. 
I have contacted the company and they said they would remove it and have failed to do so. They were reporting it unpaid for the longest time and i had to dispute that as well. The finally marked it paid but refuse to remove it after stating they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: Conn's, 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:
The defective item was returned in XX/XX/2018 upon an agreement that the account would be credited, thus nothing was due after that time to report late

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX, XXXX - I applied for an auto loan at a local Car Dealership and I received a good loan. However, as is standard practice I agreed that the dealer could contact multiple lenders in order to obtain the best loan possible. 

Today is XXXX XXXX, XXXX - XXXX months later and according to CFPB Auto loan applications submitted within a XXXX - XXXX day time period should be treated as " XXXX '' inquiry on the credit report of the applicant. 

I plan to submit an application for a mortgage Loan and I would like my Credit report inquiry to reflect or treated like I applied for " XXXX '' Loan. My credit report is being negatively impacted because all XXXX inquires are shown and treated as XXXX different inquires which diminishes my overall credit scorXXXX. 

XXXX lists XXXX inquires Experian list XXXX inquires XXXX list XXXX inquries Thus, I am not being afforded the rights that I am entitled to under FDCRA - See the reference below : Ask CFPB Auto loans UPDATED XXXX XXXX, XXXX What effect will shopping for an auto loan have on my credit? 

Shopping for the best deal on an auto loan will generally have little to no impact on your credit score ( s ). The benefit of shopping will far outweigh any impact on your credit. In some cases, applying for multiple loans over a long period of time can lower your credit score ( s ). Generally any requests or " inquiries '' by these lenders for your credit score ( s ) that took  place within a time span ranging from XXXX days to XXXX days will only count as a single inquiry, depending on the credit scoring model used. You can minimize any negative impact to your credit by doing all of your shopping in a short amount of time. You could save hundreds or even thousands of dollars by shopping for the best rate and terms on a loan. 

For example, let 's say you are looking around for an auto loan and you authorize five lenders to check your credit score ( s ) within a XXXX day time span. All those inquiries should count as one inquiry. If you shop for a mortgage loan at the same time you are shopping for an auto loan, the shopping you do for those two loans should count as two separate inquiries.
And do n't worry about all those promotional offers for credit cards impacting your credit score ( s ). These promotional offers do not affect your credit score ( s ).

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 2021-09-17
Company: Genesis FS Card Services, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Via USPS, on or about XX/XX/XXXX, I received a statement from Genesis Credit informing me that I made a purchase from XXXX -- Corp. Office Purchase, on or about, XX/XX/XXXX. what year? it was left off the statement. 
The amount is quoted as being {$1600.00}. since I have never made any purchase ( s ) from XXXX and I have never done business with Genesis I called to there XXXX offices to try and settle this on XX/XX/XXXX @ XXXX XXXX  PST. I Spoke with an agent whom Identified herself as XXXX. I gave her the account number listed on the statement mailed to me. I explained that I was trying to resolve this issue by speaking with Genesis, so I wouldn't need to reach out to the CFPB. The agent said she'd be sending me an I D Theft form. I told her I would not be giving Genesis any further information about myself because I have no idea who they are! ( I want the form to pass on to the CFPB )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I returned merchandise to XXXX XXXX on XX/XX/XXXX and my Amex Serve card was used for that transaction. The merchant issued a refund credit to my Amex Serve card on XX/XX/XXXX for {$210.00}. The original charge was {$220.00} so the refund credit is for the original amount minus the shipping charges. American Express has put my return credit on hold for 7 days and this is money owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: CITIBANK, N.A.
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:
There were fraudulent usage of my credit report shared without consent, I have a lot of credit inquiries on my report that I do not recognize. I have no knowledge of these credit inquiries from these unknown sources.

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