BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-02
Company: EQUIFAX, INC.
State: MD
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 submitted a dispute to XXXX, Equifax, and XXXX on XX/XX/2020 to notify them of the accommodations provided by the newly passed HEROES Act in relation to my credit report.

After the allotted time, there was no adjustment made to my credit report from either agency with regards to the properly submitted documentation and in honorable of the Moratorium.

After contacting each bureau I was instructed to contact CFPB and file my complaint.

HEROES ACT Section 110401 is a Moratorium on negative credit reporting during COVID-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
loan # XXXX I have been researching how MERS Assigns its mortgages and MERS has told me that they do not keep the Promissory Note but only assigns the mortgage. 
SLS has told me that the, Trustee, XXXX XXXX XXXX XXXX XXXX is holding it but they are not the holders. 

I have asked SLS how did they come to have the promissory note when MERS assigned them the mortgage and did not assign them the Note. 

My question I keep asking is, how did SLS get possession of the original the promissory note?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On about XX/XX/2018,XX/XX/2018 and XX/XX/2018 I send the " Letter of Demand '' to 3 Major credit Bureau companies : XXXX, XXXX and TransUnion .

Only XXXX excepted my dispute and Completely deleted and removed some collections, unknown bank charges form their credit file.

The other 2 credit companies : XXXX and Transunion had fail to notify me the unauthorized charges from those Banks report to their credit file.

They only mail me the letter informed those charges were accurate. But did not provide me any prove evidence or document like Statements, invoice, balance due ... from their Banks show I own them.

Please help me to investigate and send a complain to XXXX and TransUnion again. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: Social Finance, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
SOFI reported my account as 30 days late when I made special arrangements, due to a diagnosis of XXXX XXXX and XXXX in the month of XX/XX/XXXX. I have been a customer for 1 year, no issues with payments until I became ill. I contacted SOFI to let them know what my plans were on XX/XX/XXXX, as that is the day my loan is due. 
My payment is XXXX per month. On XX/XX/XXXX, I paid XXXX on XX/XX/XXXX, I paid XXXX and on XX/XX/XXXX I paid XXXX to be all caught up. When I discovered they had reported me as 30 days late on XX/XX/XXXX, it made my score drop a whopping 100 points. I contacted them and they said they would do nothing. They were following government rules is what they said. I asked what rules they were speaking of I couldn't get a proper answer. I spoke with 3 separate people regarding this issue. XXXX, XXXX and XXXX who was the last person who told me they had to follow government rules. 
He was quite sarcastic and said it was nothing he could do. I ask if I could get a goodwill removal o the 30 day late, he said NO.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
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: Personal information incorrect

Complaint:
I have sent several letters asking to remove the incorrect names and addresses on my credit report. First, I don't know how the information was provided because I dont have accounts of anything on my report I have NEVER lived at the addresses provided on the reports. Please be advised I have sent 5 letters at 5 different times asking to send a revised reports with the correct information on it. 
I have sent letters to XXXX, XXXX, and Transunion on XXXX Please address the the bureaus any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} Please help me and advise how to proceed.

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 2020-09-02
Company: EQUIFAX, INC.
State: CT
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 have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with them : # 1. XXXX XXXX   XXXX XXXX  XXXX Loan Amount {$560.00}, XX/XX/2020. 
# 2. XXXX XXXX  -Loan Amount {$420.00}, XX/XX/2020. # 3. XXXX XXXX XXXX-Loan Amount {$1300.00}, XX/XX/2020. # 4. XXXX XXXX XXXX Loan Amount {$0.00} XX/XX/2020. # 5. XXXX  XXXX XXXX XXXX - Loan Amount {$0.00} XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XXXX XXXX XXXX has been allocating purchases as cash advances and improperly charging cash advance interest and fees towards the purchases as if they were cash advances. This has taken  place for the last 10 years and only recently did I notice the issue on my statements. I contacted XXXX XXXX and obtained statements dating back 5 years which show the purchases being charged as cash advances. In addition to paying cash advance interest and fees, XXXX XXXX has also been reporting the inflated balance on my credit reports negatively impacting my ability to obtain credit and loans. I have consulted with an attorney and will also be taking legal action against XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Affirm Holdings, Inc
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I received a text message from this company asking me to run my credit I replied NO. I called Affrim to make them aware and would mark it as fraud. it has now shown on my credit report with an address in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Phoenix Recovery group has been attempting to collect an inaccurate erroneous debt since XX/XX/2018. I have contacted them multiple times since XX/XX/2018 to get an explanation of the debt or for them to atleast correct the balance but to no avail they refuse to update or delete the inaccurate account from my credit report for XXXX or XXXX. The original creditor was paid out {$2400.00} as per a settlement agreement reached in XXXX county civil court on XX/XX/2018. Phoenix recovery group insists that there are no records of this even though I have the court documents and receipts of payment they refuse to take into consideration. Also I have disputed this account with all 3 credit bureaus as an inaccurate account and Phoenix recovery continuously responds with " Account information disputed by consumer, meets FCRA requirements '' I believe no due diligence is being taken on their behalf and this is negatively impacting me by preventing me from obtaining credit and renting or buying a home

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: MoneyLion Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
the company missed my private information and now I have credit issue and id theft on my bank account the company also lied to me about what was being charged i want this zero out and no balance do cause of there issues my phone is getting harrassing calls also the company is disrepectful and rude and does not care at all

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 2018-06-11
Company: DISCOVER BANK
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX, a debt collector, along with Discover Bank, continue to attempt to collect a fraudulent debt ( XXXX XXXX XXXX File # XXXX ) which was the result of identity theft, despite being notified several times that this was a fraudulent debt, in willful violation of FCRA Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 6 ), and Section 615 ( f ). Additionally, XXXX XXXX XXXX XXXX, along with Discover Bank, continue to attempt ( albeit unsuccessfully ) reporting this debt to the major CRAs in violation of FCRA Section 605 ( b ).

I have notified both XXXX XXXX XXXX XXXX, and Discover Bank several times, beginning XX/XX/2017 via certified, registered mail, as well as e-mail that this debt is a result of proven identity theft. I have kept complete, and extensive documentation of these interactions. However, largely, I was ignored by both named entities, despite having return receipts from the United States Postal Service showing that my documents were signed for.

In the above mentioned documents, I have provided both XXXX XXXX XXXX XXXX, and Discover Bank, multiple times, with the following : a police report, an FTC Identity Theft Affidavit/Report, a personal statement, notifying both XXXX XXXX XXXX XXXX. And Discover Bank that this debt is a result of identity theft, a copy of my credit reports with the account highlighted, a copy of my identification, a copy of the FCRA Notice to Furnishers of Information, as well as a copy of my accepted FCRA Section 605 ( b ) requests, and finally, a letter regarding my security deposit at my previous residence, proving that I had moved out more than a month before XXXX XXXX XXXX, and Discover Bank claim I applied for, and opened the account.

XXXX XXXX XXXX XXXX., in conjunction with Discover Bank, have willfully violated the Fair Credit Reporting Act multiple times, and have completely ignored me, or provided me with generic information that any identity thief would have ( social security number, date of birth, mothers maiden name, and a previous address I no longer lived at ), each time I have been in contact with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX i reported an auto accident in a private own location to XXXX insurance which days later XXXX declared my XXXX XXXX XXXX to be a total loss. XXXX agreed to pay off the car for a total of {$2900.00} but since the car was still under financing, the money would be redirected to the bank Credit Acceptance. The process took about 45 days in which I, without having a car, still continued to make monthly payments to the bank on time. Once the money from XXXX was sent to Credit Acceptance, the total amount was reduced. Credit Acceptance allowed me to pay the remaining balance in two installments. I made the payments on time and Credit Acceptance sent me a letter of XX/XX/XXXX stating that the contract has been canceled and that the account has been paid in full. 
There have been countless times between XXXX and XXXX that I tried to apply for a car loan and I have all been denied until the end of XX/XX/XXXX when I made a last attempt to request a personal loan at the bank of XXXX XXXX which I am notified of the credit denial because the credit report showed a delinquent of fund that was sent to collection. I further requested my own credit check from XXXX and found that during the time of settling the debt with Credit Acceptance and XXXX, Credit Acceptance reported me as Potentially having Negative in payments and that they had taken it to collection. The report says that the payments were made from XXXX to XX/XX/XXXX and from XXXX to XX/XX/XXXX they took it to collection. This report contradicted it sent since, from the same report, It also indicated that I made the payment from XXXX through XX/XX/XXXX. I have never received any letters nor phone calls indicated that this had occurred throughout the duration of time that i still continued to pay for my car after the accident. 
On XX/XX/XXXX, I called a representative from Credit Acceptance about what happened and their only response was that I have 30 days from today to dispute this claim but they are not able to change anything in my credit record. A bad report in my credit history at no fault of mine led me to the loss of time, employment, future projects and not only to me, but to my family as well. 

Thank you very much for your attention, I sincerely wait for answers

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 2020-05-09
Company: WELLS FARGO & COMPANY
State: HI
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:
Wells Fargo reported my home loan in forbearance under the CARES act to 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 explanation
Consumer complaint received 2020-08-19
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:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX {$180.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX/XXXX XXXX {$85.00} XXXX   XXXX {$12000.00} XXXX XXXX XXXX XXXX {$87.00} XXXX XXXX   XXXX {$190.00} XXXX XXXX XXXX {$940.00}

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 2020-10-11
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Lvnv Funding is Indicating that papers being sent to me are legal forms when they are not. I sent a certified letter to LVNV explaining that I am a victim of identity theft and for them to send me the following information so I can investigate but all I've received was a billing statement and not the requested information '' Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report  Please send me a letter explaining what you have done to : Inform 12 XXXX XXXX XXXX XXXX XXXX  that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request No other response back from LVNV FUNDING

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened a secured credit card with Capital one in XXXX of 2016. At the time that I opened the card I was told that a security deposit was required as collateral for the secured line and that I would be reimbursed the initial deposit and be able to keep the same account once I graduated to the unsecured card. I deposited {$200.00} and received a line of {$400.00}. I called sometime last year to inquire about a {$200.00} line increase that I got taking my line to a balance of {$600.00} and was told that my card was upgraded to an unsecured credit card due to having qualifying credit. At that time I asked whether I would be able to recieve the deposit that I initially put down and was told that I would not be able to but would recieve a notification by email when I would be able to. Today, a year later from that time I called again regarding being able to get my money back. My call was escalated to a manager who told me that In order for me to recieve my security deposit back I would have to close the card and I would NOT be eligible for future credit lines with the company ( despite having qualifying credit ). So not only did I recieve erroneous information at athe time of application but rather than finding a favourable resolution, I was told that my account would have to be closed with no options for future business despite having a good credit score. The most concerning part of this situation for me is that if I close the account it would have a negative impact on my credit score. I would have never opened the credit line had I known that I would have to close the account and risk having it impact my score as well as recieve my money back, had I known that that was the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had to take a helicopter flight because I had a medical situation. At the time I had insurance so there is no way it can be for {$42000.00}. I am happy to resolve this at a much smaller amount but {$42000.00} is completely unreasonable especially since I had insurance and had a max deductible and max out of pocket cost of {$10000.00}. I tried to have them look into this to correct it and they say the debt is valid. I am not questioning the validity of the debt, but the cost of it since my insurance protects me for out of pocket cost above a certain amount. I want them to adjust it correctly based on my out of pocket costs, or remove it completely 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 2020-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
On Saturday, XX/XX/2020, I saw that I was charged the yearly {$79.00} fee charged by capital one. I contacted Capital One to see if I would be able to get the fee waived as I have recently lost my job. As I am aware that it is not Capital Ones problem that I am no longer employed, I had hoped that they would understand that I, like so many people are experiencing extreme financial hardships during this unprecedented time. I called and was given over an hour wait time so I opted to have a representative call me back. Three hours later, I was contacted by a Capital One representative who informed me that there was nothing they could do about the fee. I was immediately infuriated and asked to speak to a manager. After a brief hold, a gentleman by the name of XXXX who said he was a manager, came on the line and reiterated what the first person had told me. They were unable to waive the fee. Period. I explained to XXXX that the fee was a financial hardship for me at this time, and as a customer of over 14 years why couldnt the fee be waived. XXXX informed me that it was company policy and there was nothing he could do for me. Feeling unsatisfied with Christians response to my questions, I asked him would he be able to tell me when Capital One stopped waiving annual fees as it had been done for me previously. At that point, I believe XXXX decided that he was no longer willing to assist me and hung up in the middle of our call. XXXX was very unprofessional and unprepared to handle my concerns and did a terrible job as someone who has been put in a position to help customers. When I called back to complete my call, there was another three hour wait to reach a representative. After such a frustrating call with XXXX, I opted not to wait for another possibly rude Capital One representative and cancelled my card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-27
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: Was not notified of investigation status or results

Complaint:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

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