BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-16
Company: EQUIFAX, INC.
State: KY
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 making this CFPB complaint in order to get the fraudulent accounts and information that are being reported on my credit file removed as soon as feasible. My credit report contains a significant number of unlawful requests as well as some false information reporting. My identity has been hijacked, and I am aware of it. As a result, I formally reported this to the FTC under File Number XXXX. In accordance with FCRA Section 605B rules, I have integrated that report into my complaint ( 15 U.S.C. 1681c-2 ). Please erase these items from my credit record as soon as possible in compliance with the law ( i.e., 4 days ). Please let me know if you require anything else. I require the following items immediately removed from my Credit File : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$980.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$1600.00} XXXX XXXX Balance : {$1000.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$900.00}. If you believe I possess the disputed objects, please provide me copies of whatever paperwork you have that proves you are the legitimate owner. In the absence of these documents, these bogus accounts will be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I did not receive a refund on lease # XXXX, 2015 hyundai of {$580.00}. I leased a new hyundai, # XXXX and was to receive a refund or credit for an advance payment made on the old lease. I have contacted hyundai by phone, email and u s mail, but they refuse to refund or credit my current account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
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:
I have asked experience to remove XXXX XXXX XXXX from my credit report and XXXX XXXX   XXXX it has been removed from other credit reporting agencies but not from experian

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 2020-04-30
Company: Experian Information Solutions Inc.
State: AR
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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.

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 2019-06-24
Company: Experian Information Solutions Inc.
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:
Re : False Credit Information : To Consumer Relations : I received a copy of my credit report and found the following mistakes, in that you are reporting inaccurate and false credit information. It appears that my credit identity may have been compromised. The following information needs to be investigated and removed as they are not mine. 

1. This is not my account and should not be on my report.. 
XXXX XXXX XXXX OF XXXX / XXXX Account Number : XXXX Please provide proof of a contract with my signature or remove it from my credit report. 

2. I never authorized this account is unknown to me. 
XXXX XXXX XXXX XXXX  Account Number : UNKNOWN ACCOUNT I never opened or authorized this account / this is not mine. Please provide proof of a contract and my signature or delete it 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 explanation
Consumer complaint received 2019-09-04
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I purchased a XXXX and XXXX from XXXX XXXX XXXX XXXX on XXXX XXXX and was told they would honor a pricematch and charge it to my BB credit card. The XXXX XXXX XXXX Bundle was being sold on XXXX for XXXX and when I received my bill I realized they charged me XXXX. This larger amount has caused a financial burden for my family as we had not planned to spean the extra {$150.00}. When I contacted the store they advised I wouldn't be able to return the system because I had already claimed the game that came with the system not knowing they ripped me off. It was a very shady process as I didn't even get to see the price and did not notice it until I received my first bill and was itemizing my monthly expenses. I would like the company to allow me to return the system for a full refund or honor the pricematch. I have consulted with an attorney at this time who advised filing a CFPB before retaining his services.

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 2021-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
The company offered to remove a late payment from XX/XX/2020. XX/XX/2020 is not showing 30 days late, XX/XX/2020 is showing 30 days late and it is the month that I am requesting to be corrected. I appreciate the CFPB 's efforts in attempting to resolve my dispute and this company 's ignoring the CARES Act. My concern that remains is the FICO score was XXXX at this time last year and is currently at XXXX, and went down to XXXX in XX/XX/2020 due to this company 's inaccurate reporting and failure to observe the laws established by the FCRA. The letter that the company provided is nice but it does not allow me to recoup my points. I attempted to consolidate my bills to get a lower interest rate and pay off all of my credit card debt but was denied due to late payments reporting that should not have been. This just seems like a vicious cycle. I am still looking for a reduced interest rate from this company since I was unable to get a credit union consolidation after I made the last payment on my car loan in XXXX, with a credit union that did follow the CARES Act and just recently mailed my title to me. I am asking for this company to cease this unscrupulous behavior and correct my credit report today. Otherwise, it looks like a FCRA case is in order.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I contacted the company rep in XXXX of 2019.The rep said I would receive info in the mail to file a dispute, it never came and they passed me around to different personal for 30 minutes.

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 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.

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 2020-04-30
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I called my mortgage servicing company United Wholesale Mortgage about a forbearance on my mortgage payment, due to loss of income. I was told that there is only one repayment option. Which is to repay my mortgage forbearance in one lump some. It also states the same on their " Coronavirus Assistance '' page. 

https : //assistanceprograms.loanadministration.com/ I don't understand how this can be any type of assistance? I am having financial difficulty due to loss of hours because of the Coronavirus, How is it " helpful '' to be told that I have to come up with a lump some payment of nearly {$20000.00} at once? The problem is I dont have enough to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 balance transfer

Complaint:
Paid on time each month the minimum payment as part of a balance transfer promotion. 

On the statement datedXX/XX/XXXX, the balance on the card of {$4200.00}, XXXX was under a promotional rate. It did not provide any notification that this transfer rate would be expiring. 

On the statement dated XX/XX/XXXX, the promotional rate disappeared but the interest breakdown showed XXXX balance on any lines charging interest. No notification was provided on the statement that a promotional balance was expiring or that any balance was being transferred to a different interest rate category. 

On the statement dated XX/XX/XXXX, the full remaining promotional balance was subject to 23.9 % APR. Upon receiving the statement I paid the balance in full including interest to clear out any balance. 

On the statement dated XX/XX/XXXX I was charged another {$53.00} for interest charges on the interest charges and additional interest from the time the XX/XX/XXXX statement was issued and I paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been violated by JPMCB on XX/XX/2021. I am a victim of identity theft and did not give permission to anyone for assumed access to my information.I know my rights and am protected under the following laws by the United States Court of Law : 15 U.S. Code 1640 15 U.S. Code 1681n 15 U.S. Code 1691 15 U.S. Code 1692c Please have these inquiries removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am not the owner of XXXX XXXX XXXX  ( ORIG CREDITOR : XXXX XXXX XXXX XXXX I do not owe these companies..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Last summer I was notified by XXXX county that Freedom mortgage did not pay my 2016 property taxes and they had auctioned off the debt. It took weeks to get this issue resolved and Freedom ended up paying the debt. 

This past XXXX I got a letter from Freedom saying that I had missed by XXXX payment. I had made the same payment I have diligently made every month. I had not missed a payment. Freedom stated that they had raised my mortgage by approx {$400.00} dollars/month in order to recuperate the money they spent to cover the unpaid 2016 taxes. They said that there was now an escrow shortage I immediately began calling and emailing. There has been tremendous difficulty getting responses. I made an arrangement to spread the escrow shortage over 4 years. This increase would be approx $ XXXX over 48 months. I received a letter confirming this. 
Customer service stated that they had waived the XXXX late fees and agreed to the new payment plan. 
For XXXX I made the new payment that was {$100.00} more. 
I then received a notice saying again that I had missed another payment. 
I paid XXXX and XXXX. The XXXX payment was my original and XXXX was the {$100.00} more. As stated in the letter I got from freedom. 
Throughout this process I have made numerous calls and sent several emails trying to find a resolution. I believed this was resolved when I got a letter. 
I have been reported to the credit bureaus as having missed 2 consecutive monthly payments and my credit score had need affected. Freedom still shows me as being delinquent. I can not get hold of anyone, I can not get a call back, I cant get a response to an email, I have no way to get any sort of resolution. 
I need assistance. I need help getting through to someone at freedom to get this issue resolved. I need to know how to fix this and how to get freedom to fix my credit. 
Please help. 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 2021-04-22
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX, I received several phone calls from Rash Curtis and Associates regarding a debt that I owed. I informed the people on the phone that there is no way I have any new debt and that this would have to be from over 10 years ago. I informed them to stop calling me or I will hire an attorney. The amount owed was {$590.00} dollars, which they are asking for over {$1100.00} dollars. I found out from the original creditor that this was from XXXX. This fell off my report in XXXX. Rash Curtis and Associates are trying to say that this is a new credit and re-aging my old credit. I have emails from XXXX XXXX XXXX that state this is from XXXX. I also have an old credit report that shows who owned this before Rash Curtis and Associates. 

I have requested the 3 major credit agencies XXXX XXXX XXXX XXXX XXXX XXXX to remove this from my report. It appears they reached out to Rash Curtis and Associates to verify the account. My understanding is that XXXX XXXX has told them that this account is not re-aging and is committing fraud. I have filed several disputes to have this account removed from my credit report with no success. I have sent a certified letter with all of the documentation to all 3 agencies today, which cost me {$33.00}. 

All four companies need to do better with communication about re-aging debt, as this has been a very trying experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: Franklin Collection Service, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Franklin Collection services have placed a collection debt on my credit report with XXXX XXXX and XXXX for XXXX XXXX. 
when I spoke with them I asked them to provide proof they told me to contact XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: EQUIFAX, INC.
State: CO
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:
On XX/XX/20 I received a notification from XXXX XXXX that my credit had a hard inquiry by XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX through Equifax. I logged in and looked at the inquiry. I filed a report disputing this hard inquiry I did not authorize. I have no business dealings with XXXX XXXX XXXX whatsoever, so they have no authority to run a credit check on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

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 2020-04-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
THIS COMPLAINT IS ABOUT USAA 's CONFLICTING FRAUD INVESTIGATIONS BEGUN Attatched XXXX XX/XX/XXXX Adjustment Purchases of USAA XXXX DISPUTES USAA SUBMITTED. ( {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) CONFIRMED BY USAA XX/XX/XXXX AS ** AUTHORIZED TRANSACTIONS USAA POSTED NEW TRANSACTIONS XX/XX/XXXX FOR THESE ** AUTHORIZED TRANSACTIONS TOTAL {$470.00} See attatched XX/XX/XXXX CREDIT CARD ( FRAUD CLAIM DATE XX/XX/XXXX UNAUTHORIZED TRANSACTIONS I SUBMITTED ) XXXX. OF XX/XX/XXXX {$470.00} ** THESE ARE SAME {$470.00} TRANSACTIONS THAT USAA SUBMITTED XX/XX/XXXX CONFIRMED AUTHORIZED TRANSACTIONS XXXX XX/XX/XXXX. USAA POSTED NEW TRANSACTIONS. I DID NOT PURCHASE. THESE AND SIX MONTHS LATER SAME TRANSACTIONS ARE UNAUTHORIZED. USAA HAS NEVER PROVIDED THESE FRAUD CREDITS FOR XX/XX/XXXX OR XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: Forster & Garbus LLP
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Inquiries listed below, are what needs to be removed : FORSTER & GARBUS ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX (XX/XX/XXXX ) I 've taken my time to reach out to these companies regarding they remove my inquiry because I was never told that they would pull my credit from the XXXX Credit Bureau, and I need it to be removed as soon as possible, so that I can be able to get approved for a loan I need. Also for XXXX XXXX, I 've explained to them also that the inquiries are holding me back, and customer service kept giving me the run around, and never wanted to help. All they did was send me to one person, then another person, then another person, while realizing they did n't want to help me get that inquiry off, and seeking the right help to get this resolved, and taken off my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: AES/PHEAA
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:
XXXX XXXX XXXX XXXX Account Number XXXX Fed Student Loan Account 150,000+ XX/XX/2019 and XX/XX/2019 show as 90 days and 120 days delinquent, respectively. I was not delinquent because I was working with them to get a new Income Driven Repayment plan, at their instruction. I spoke with a representative on XX/XX/2019 at approximately XXXX who said that she understood that there had been a mix up and that they would make sure that everything was cleared on my account and that I would be able to continue working towards a resolution for my Income Driven Repayment options. I was unaware of the incorrect reporting of 90 and 120 days until I checked my credit after I was told that XXXX had a breach and my information/SSN was a part of that breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: EQUIFAX, INC.
State: MO
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 an item on my credit report from an unidentified collection agency. When attempting to dispute the incorrect information, the lender has no record of balance being owed. The information on my credit report does not identify the agency that placed the collection item on my report and Equifax is not providing information. As such, I would like the information removed completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX was removed from other credit reporting agencies but equifax is still reporting it on my credit.

Company response to consumer: Closed with explanation