BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-30
Company: EQUIFAX, INC.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have sent several complaints to XXXX  and Equifax about fraudulent accounts and inquiries ( XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  ), Fraudulent Inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX, XXXX/XXXX, XXXX/XXXX. Please stop closing these complaints and not investigating my claim. There is no credit repair company helping me I, XXXX XXXX is the only one disputing this fraudulent charges and inquiries. Existing complaint numbers XXXX, XXXX, XXXX. My job and top secret clearance is in JEOPARDY because of these fraudulent accounts and Inquiries. I have to provide for a family of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: CORELOGIC INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Core Logic / Credco accessed my credit report without permissible purpose. I sent two letters with my SS # requesting the authorization used to access my credit. I receive form letter stating there is not enough information to process my request. Form letters are the norm of large companies.

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 2021-01-21
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: Account information incorrect

Complaint:
XXXX XXXX Balance : {$0.00} - As a client I have legal rights that are given to me to safeguard me from misinformation being noted on my credit report. At this juncture I need to generate a final inquiry for inspection before I check with my attorney for information on how to handle inaccurate and unverifiable issues that are ongoing to be established as genuine. Kindly give me along with a copy of the contract fixed or voice chat where I authorized billing me with this particular account. In any other case you need to update of this particular coming from my credit according to the Fair Credit Reporting Act as well as the Fair Credit Billing Act. 

XXXX XXXX XXXX Balance : {$0.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been trying to obtain my Equifax credit report for several weeks and I have not been able to view it. I have tried accessing it on Equifax's website, through XXXX XXXX, and a credit monitoring service I use called XXXX. None of those methods for viewing my report have been successful. I called Equifax on XX/XX/2019 and they were unable to see or fix the problem. I need to be able to view my credit report because I am in the middle of correcting inaccuracies across all three of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Experian Information Solutions Inc.
State: AR
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 sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2019-06-10
Company: CL Holdings LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I'm in the process of cleaning my credit and came across this account in my file. It is saying I owe a debt to which I am unaware. Please provide validation via mail. 
1. Original contract with signature 2. Original bills with breakdown 3. Notarized copy of the purchase of debt 4. Copy of your bond and license to collect in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: Lending Club Corp
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was accepted for a loan in XX/XX/2018 for XXXX $ We have made 4 payments so far. We were told the interest would be 24 % and now its 34 %. We were told we could make payments online. We have never been able to pay online and have screen shots showing its broke. Each month on the XXXX we must call Lending Club to process the payment. If we do not call on that day they charge a late fee. We want to pay off the loan and or move it but now they are saying we owe XXXX $ to pay it off!!!! We want out of the loan and feel we should not be penalized to pay it off. 

please please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: Maury Cobb, Attorney at Law, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving written and telephonic communication from Maury Cobb Attorney at Law LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX. They are trying to collect a debt for XXXX in the amount XXXX. The problem is I have NEVER had a XXXX account until they closed on their purchase of XXXX within the past couple of months. I had XXXX/XXXX   for over 20 yrs until I changed over to XXXX in XXXX of 2019. I have a son who has the identical same initials as I though his middle name is different. I have lived in XXXX XXXX for 19 yrs  he has lived in XXXX XXXX about 4 yrs. previously he lived in XXXX and XXXX. Previously I have lived XXXX and XXXX. I spoke to my son he said previously that he has had XXXX XXXX. Could not remember when though. He said it has been quite a while ago while living in XXXX or XXXX. I have written to Maury Cobb Attorney at Law LLC. I have also talked to them on phone several times. They never responded to my written requests and on telephone have been very nasty and said that they have my name do it is mine and hung up. In addition this is showing my under collections on my credit report and is negatively affecting my credit score. The past 6 months I have been attempting to correct this mistake and they have refused to correct it. I am trying to clean up my credit acct. I have no late payments and currently current on all the payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: EQUIFAX, INC.
State: NV
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 disputed the late payment status reported on the account XXXX XXXX XXXX XXXX with XXXX and Equifax for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please I’m looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: FIRST NATIONAL BANK OF OMAHA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
i contacted this company to resolved my problem, but unfortunately was impossible because they should relief us the interest and payment due to be in disaster area of hurricane " Irma " in XX/XX/2017 as the federal government establish. 
so this bank First National Bank Omaha in my account XXXX XXXX XXXX XXXX charge me interest in this period with not relief at all. 
i want to report this issue in other to advised others in this problem 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 2019-08-21
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
During the time I attended school,XX/XX/XXXX toXX/XX/XXXX. I received federal loans by my loan service providers,  Sallie Mae and Nazient. However I believe that my loans were designed in a way to prevent me from forgiving my loans under the program, Public Service Loan Forgiveness progtam, or were not forthcoming about any information about my loans which will prevent me from participating in the PLSF program


Please see URL below 

https://XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
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:
Someone has gotten a hold of my information and opened an account with 1. XXXX XXXX XXXX XXXX acct # XXXX. There were also accounts attempted to be opened as well and there are unauthorized inquiries they are : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. I have attached the report for id theft with the ftc for you to review as the instructions stated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX, 2020 I noticed the payment I made to Capital One Credit did not clear my bank. I was not charged any return fees at my bank so I do not know what caused this. I immediately called Capital One Credit. I explained this to an agent of Capital One, and voiced to them I wanted to pay by my debit card to make sure the payment was made, so my credit report would not be effected. The agent then told me to not be concerned, because of the covid-19 situation it would not reflect badly on my credit report, she said she could not access all information on my account, but would put a note in my account that I called. I again tried to pay a payment however she convinced me to not make one, saying that I could pay it next month. 
XXXX I made a payment for XXXX and XXXX payment. 
I looked at my credit report and Capital One Credit had reported me being 30 past due. This caused my credit score to fall XXXX points! I filled a complaint through XXXX XXXX to dispute the derogatory mark. About 30-40 days later it showed that this mark was acknowledged by creditor but not cleared. 
I have called Capital One Credit every month trying to clear this and everyone I have talked to ( supervisors, managers ) have told me they can do nothing, that I can only dispute this through a reporting agency. 
I feel this is unfair and underhanded to tell someone that It will not be reported as a bad mark and then turn around and do that very thing, especially with me trying my best to pay the payment at that time. 
I am in the process of refinancing my mortgage and am having difficulty due to this one discrepancy one my credit report. I have not been late on any other payments on this account. I am being penalized for something not of my doing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 requested Validation that this was my account. I sent a certified letter XX/XX/2019 and received no response. 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 2019-08-21
Company: EQUIFAX, INC.
State: NV
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 sent a Certified letter to XXXX  XXXX  on XX/XX/2019, stating that I was never late on my mortgage and on my credit report it should say ACCOUNT CLOSED AND PAID AS AGREED. I called XXXX them onXX/XX/2019and they had know Knowledge of me or my account. Please ask XXXX XXXX to please report no closed and paid as agreed.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 would like my address and my social number on file.

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 2019-05-31
Company: Smith, Rouchon & Associates, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Smith and Rouchon Associates very rude company I receive harassing calls from XXXX till XXXX daily the company has been leaving 2 to 3 voicemails daily demanding they hear from me before the day is over I even agreed to set up payments monthly what i could afford they wouldn't accept the payments I wanted to make they demanded I pay what they wanted me to pay XXXX XXXX or XXXX has a very nasty attitude just sick of the harrassment and calls all day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America held my check deposit for 10 days with NO availability of funds. I am a 23+ account holder with them with a combination of seven accounts and deposit my auto settlement check and need to pay my bills. The original insurance check that was cashed, came from bank of america which the insurance company bank with Bank of America, then they holding my funds for 10 days and it only take a matter of 2 days for things to clear from one bank to another. then i tried to pay one of my bills so I won't accrue any more fees, and they return it back because of the hold they have my check deposit, which I know they got the money from the other bank because it has been 3 days since the initial deposit of my check. Then, they charged me a return check fee sending an oxymoron statement that don't make any sense. " You may have insufficient funds, the amount to be paid, is way lower then the amount that was deposited. They did reversed the fee. However, dishonor my ACH payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-21
Company: Experian Information Solutions Inc.
State: NV
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:
The following inquiries were for no legitimate business purpose, there was no evidence to prove of the authorization. please delete this misleading information XXXX/XXXX, 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 2019-08-21
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:
XXXX XXXX. Is a company I never heard of or Reposes Auto I sent a Certified letter to Trans Union and XXXX XXXX. asking for Validation that I had a loan form them for a car.

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 2019-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I am so confused on what is really happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are.. I asked XXXX  and Transunion where did they get this information and provide proof of ownership but not a single account was proven to be mine. The accounts don't belong to me..I know this is an error and I ask you to PLEASE Remove  XXXX XXXX  (Original Creditor: XXXX XXXX XXXX HOSPITAL) XXXX, XXXX  (Original Creditor: XXXX XXXX) XXXX, XXXX XXXX XXXX    (Original Creditor: 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 explanation
Consumer complaint received 2021-02-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX To : Select Portfolio Servicing , Inc . 

From : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Select Portfolio Servicing, Inc. Loan # XXXX Please be advised that I was approved for a XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, said loan having been owned by XXXX XXXX XXXX and serviced by XXXX XXXX XXXX XXXX then XXXX XXXX XXXX XXXX XXXX selling the loan to XXXX XXXX XXXX XXXX. XXXX and these servicers did not require windstorm coverage. Then, my loan was sold to XXXX on XX/XX/XXXX, and you, as the loan servicer, have claimed windstorm insurance coverage is required, I have spoken to XXXX in your servicer 's insurance department, and she indicated that this is an arbitrary requirement of their company. I have had mortgages on the subject property since XXXX, and I have NEVER been required to provide such coverage. 

As indicated, this is a Flex Modification Loan, approved with specific income and expense guidelines. Youre own insurance department has indicated that this is an arbitrary requirement, that the property is not located in a Windstorm Zone ( Outside of 10 miles of the XXXX XXXX XXXX, and that said coverage would pose an extreme financial hardship to me, I respectfully request that this arbitrary requirement be waived. 

Sincerely, XXXX XXXX XXXX cc : Consumer Financial Protection Bureau

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
The following inquiries were for no legitimate business purpose, there was no evidence to prove of the authorization. please delete this misleading information  XXXX/XXXX, XXXX   XXXX, TRANS UNION

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 2019-08-21
Company: APO LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have 16 payday / installment loans. I live in the state of Illinois. I was not aware that, by law, I should not have been allowed to have more than three & that they should not total more than 22.5% of my income. Why 16 loans?  Because I was constantly trying to catch up one loan with another, thinking that once I brought the one down, I would be able to take care of the new one. Well one led to another and then another, all at astronomical expenses to my wallet. I recently found my checking account in the negative, because I just plain and simply could no longer handle the juggling act. I need help. I didn’t even realize that I had 16 loans, until I really began trying to get to the bottom of my financial crisis. Is this legal for companies to continually extend loans to me, without verifying whether or not I was at the maximum loan amounts for the state of Illinois? How can I get all of this debt off of my back? Is there help out there for my situation?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: EQUIFAX, INC.
State: NV
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:
The following inquiries were for no legitimate business purpose, there was no evidence to prove of the authorization. please delete this misleading information XXXX/XXXX, XXXX   XXXX

Company response to consumer: Closed with explanation