BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-30
Company: RFNA, LP
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I was a victim of identity theft. My brother took out a personal loan using my social security number but his name, his ID, his work information, and his own personal address. I have contacted this company multiple times. I have offered to provide them with my ID, my proof of residence, and my work history. I was told they would get back to me. This process began in XX/XX/2017 when I first found out and it is still not settled. I want to respect the process however, my wife and I are in the process of buying a house and " we are waiting to hear back '' from a personal loan company is not what a lender wants to hear when they are trying to extend to us a couple XXXX XXXX dollars but can't because of an account like this. It is clear that my social security and his name are not a match. I need this removed and off my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
when I applied for loan loan amout wasXXXX with a payoff of XXXX and my closing acutial was XXXX witch would of been a refund ofXXXX then they called me and said they messed up andput XXXX as the pay off witch I had to make up XXXX I don't know how and if they made that mistake they were the orangial loan and the refinance loan bank .so they redid my loan now its XXXX was185000 and took out XXXX to give me back at closing if I would of went with frist loan I would of got XXXX and appraisal fee back of XXXX they are doing something croked I was forced to sign new loan cause I would have trouble making old payment of 1973 new payment XXXX and frist loan was XXXX please help me understand this I never saw paper work about they put the pay off at XXXX and I asked on a recorded line if I could buy down points and they said I don't recommend that then they did it

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: EQUIFAX, INC.
State: WI
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:
A hard pull showed up on my Equifax credit report that I didn't recognize from XX/XX/2017. The company 's name is XXXX/XXXX. It shows up as a personal loan co-signer category. I did not try to co-sign anything inXX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Seven years ago, I had a single, protracted, but continuous delinquency event with a XXXX XXXX XXXXXXXX mortgage that was opened in XX/XX/XXXX. The delinquency began in XX/XX/XXXX and ended in XX/XX/XXXX. That account was subsequently closed and transferred to another lender in XXXX. 
Over the last 7 years, this delinquency has been reported as described above on all three credit reporting agency files, however, 4-5 months ago Trans Union chose to remove the account status reporting for this account only, for the period XXXX through XXXX of XXXX. This makes it appear that this delinquency commenced in XX/XX/XXXX, and thus eligible for removal in XX/XX/XXXX. XXXX has subsequently taken the same action 2 months ago. 
However, it is clear that this reporting is inaccurate, since their own records show the status of the account in XX/XX/XXXX, was already at the maximum 120 day late status. 
The FCRA rules require that this delinquency be treated as a single continuous event, and thus should be removed from my credit report, seven years after the commencement of the delinquency, which would be XXXX or latest XX/XX/XXXX. It should therefore have been removed from the report in XXXX or XX/XX/XXXX. 
I have repeatedly contacted both credit reporting agencies as well as XXXX XXXX XXXXXXXX on this error, but have been unsuccessful in getting them to correct it. 

XXXX XXXX XXXXXXXX claims that they are accurately reporting the account status, while Trans Union is stating that XX/XX/XXXX is the first notification of delinquency that they received on the account from the lender. Yet earlier versions of the credit report clearly show the delinquency being reported in XXXX through XXXX of 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 2019-03-15
Company: The CBE Group, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company contacted me on several occasions via phone and mail attempting to collect on an account that has exceeded statue of limitations. I have requested that they do not contact me for any reason but they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I attempted to make a payment on my Sears card via the internet, and was unsuccessful. I called customer assistance and was informed that my account had been changed to a mastercard account. I was further told that I had been sent 2 letters giving me a terminal date to refuse the mastercard, which was activated after no refusal was received from me. I told the agent that I had not received any letters and I did not need another credit card. I asked that my account be reverted back to the regular account that I had. I was told that they could not do that since the card was activated. I firmly stated that I did not request or desired the card. I further stated that I did not want to make a payment that would go to that mastercard. I was told again that the account could not be reversed. I hung up dissatisfied and contacted the Maryland Attorney General 's Office of Consumer Protection, who referred me to you. I currently have 2 credit cards and do not want more, especially one that I had no previous knowledge of, nor requested. Your assistance is greatly requested. Is this another " XXXX XXXX '' situation. Please advise.

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 2019-03-15
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We fell behind on our mortgage payments and after we realized we werent able to catch up we contacted Shellpoint Mortgage Servicing and submitted an application for borrower assistance. After being asked to submit and resubmit numerous documents finally as of XX/XX/2019 out application was considered complete, we received in the mail a letter stating they were reviewing our completed application and while application was being processed we would be granted relief from further action towards foreclosure. Then a couple days later we were served with a court summons stating that shellpoint had filed a lawsuit for foreclosure against us ... .the filing date was XX/XX/2019 the very day after they labeled our application for assistance complete. When I contacted shellpoint about this error / contradiction of what their letter stated I was told that foreclosure had actually begun XX/XX/2019 ... ..though nothing was ever filed with XXXX County court before XX/XX/2019. Even if they had begun moving towards filing a foreclosure lawsuit according to the letter Shellpoint sent us further action wouldnt be taken until a decision on loss mitigation was made ... ..its obvious the continued forward with steps towards foreclosure by filing lawsuit on XX/XX/2019. From research Ive done this is prohibited by federal law and is considered dual tracking which falls under fraudulent activity my a mortgage servicer. I maintained contact for weeks jumping through every hoop shellpoint reseated we jump through having faith they were truly out to help us find a resolution to move forward ... ... when all the while they were perusing foreclosure at the same time as they were helping us. I feel Shellpoints actions are deceptive and dishonest and dont follow the regulations set out in RESPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Experian Information Solutions 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:
On XX/XX/2020, I gave a formal complaint of inaccurate information on my credit report including inquiries and accounts. 30 days later to the date, I have not received any response. Under federal law, you have 30 days to complete my investigation. 


Proof of these alleged items, specifically the contract, note, or other instrument bearing my signature has not been provided to me. Failing that, the items must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. I demand that the unauthorized inquiries and accounts be removed immediately.

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 2018-07-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, I have been disputing negative information on my credit reports that I owe Portfolio Recover {$1200.00}. I've sent them several dispute letters asking for Validation of the Debt as well as a copy of an original contract bearing my signature verifying that I owe Portfolio Recovery that debt. I've included dispute letters in this complaint as well as Portfolio Recovery 's Response. They never sent any information requested in the validation request, only an Itemized bill and letter from capital one stating they bought this dept. They are reporting this negative information on my credit report, which has lowered my score, causing harm to me financially. This has caused me to pay higher interest rates for insurance, store credit and denial 's of credit. They have violated the FCRA, FDCPA and the FTC. " As Per the FTC Opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill, a letter stating purchase of a debt or itemized document does not constitute verification. '' Also after I sent the 2nd dispute letter after there response to the 1st dispute, they still didn't verify or validate anything I requested. Their letter described my disputes as subsequent and the matter was closed as far as they were concerned and that they would not be responding back to further request and disputes and sent me a bill, while I'm still disputing this. See Attachments ...

" The Fair Debt Collection Practices Act states that a debt collector can not collect any amount of money that is not authorized by the agreement creating the debt or permitted by law. Because there is no agreement between the collector and the alleged debtor, no collection can be sustained '' See attachments.

Please review, because I'm sure that they are violating a number of Federal Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
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 contacted XXXX and experian about an account listed by XXXX XXXX XXXX. 
XXXX XXXX XXXX Potentially Negative XXXX XXXX XXXX XXXX Debt Buyer Responsibility Individual Balance {$1200.00} Account Name Account Number Account Type Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms On Record Until XX/XX/XXXX XX/XX/XXXX {$0.00} {$0.00} {$1200.00} {$0.00} 1 Months Date Opened XX/XX/XXXX Status Collection account Payment History {$1200.00} past due as of XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XXXX This account has been reaged. I have disputed this reports 3 times. Each time they allow the collection agency to falsely report their accuracy. The account they claim to be collecting is so old it does not appear on my credit report. This is a fair indicator of an issue. The opening date of this account is listed as XX/XX/XXXX. If that were so the XXXX would show on my credit report. I asked Transunion for the original date of delinquency and they told me that is did not matter. If the original account is so old it is no longer on my report than the collection account has to have been reaged. 

The same situation exists with XXXX  XXXX XXXX XXXX   # XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX ( XXXX ) XXXX XXXX Placed for collection : Responsibility : Account Type : Loan Type : XX/XX/XXXX Individual Account Open Account COLLECTION AGENCY/ATTORNEY Balance : Date Updated : Original Amount : Original Creditor : XXXX XXXX Past Due : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/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 2020-08-25
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:
I have several fraudulent accounts on my credit report. XXXX  and Experian won't investigate my complaint because they think a credit repair company is helping me. I AM THE ONLY ONE DISPUTING FRAUDULENT CHARGES ON MY CREDIT REPORT. NO CREDIT REPAIR COMPANY

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 2019-03-15
Company: ERC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX, I opened a XXXX account which was my first phone contract. There was an amount of {$450.00} that went to collection which I paid on XX/XX/XXXX. On XX/XX/XXXX I printed my credit report and I seen XXXX XXXX XXXX on my report for tmobile. I called the number for XXXX XXXX XXXX, I was unable to reach a person so I called XXXX and they could not give me an idea why this collection is still on my report. They transferred me to the collection company which is not the company that is listed on my report, they said they have not received my payment and for me to call XXXX back to let them know. When I spoke to the customer service representative from XXXX  again she told me that I only paid {$190.00} out of the {$450.00} and that the balance was {$250.00} and also that the account went to 3 different collection companies. On my report, it says that the account is paid in full with the collection company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Credit Acceptance has been calling my wife on the due date of our payment until they receive payment 3 or more times a day. Not only do we pay for our car we pay it and have never missed a payment or slow paid. They charge us up to {$12.00} to make a payment which to me is fraud and its something we were not made aware of when we bought our vehicle. I talked to someone today and Credot Acceptance and they stated they are not a primary lender so they dont have to stop calling. You guys need to do your job and enforce what the trade commission has laid out for these companies. I feel sorry for people who dont make their payment for what they do to them and harass. I was clear on my phone call to them. I stated what the FTC says they can and cant do for collection practices. They more or less said we dont care. We will do what we want. In that case I will too. So Im giving you an opportunity to fix this problem before I take the matter into my own hands.

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 2021-03-30
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
As per my telephone call from the Wells Fargo Customer Assistance Group on XX/XX/XXXX ), Wells Fargo needs more time ( an additional 2 weeks ) to research my issue. Wells Fargo has not requested any financial documentation from me, so I am not sure how they can conduct their risk management research. I am a XXXX old, XXXX male who owns a $ XXXX HELOC ( with a $ XXXX balance ) with an end of draw date of XX/XX/XXXX, and maturity date of XXXX/XXXX/XXXX. The collateral is my primary residence conservatively valued at $ XXXX with a $ XXXX mortgage balance being serviced by XXXX and held by XXXX ( $ XXXX XXXX ARM mortgage originated by XXXX in XXXX ). As evidence by the 3-bureau credit reports I have provided, my financial situation has not changed. I have done my own research into this matter and I believe two ( 2 ), five ( 5 ) minute phone calls may help clarify the issue. I estimate that these answers can be obtained by the end of this week. 

Please provide a simple YES or NO to the four ( 4 ) questions, I have posed below. 

1. I believe that my HELOC may be inadvertently frozen using a computer code starting/containing BSA. Please call the Wells Fargo Accounts hold helpline at XXXX and confirm the usage of this code to identify my account with Mr. XXXX XXXX. 
2. Please contact XXXX XXXX XXXX ( Senior Executive Vice President, Chief Auditor Wells Fargo & Company ) and confirm that this code is used in Wells Fargos BSA/AML compliance program per XXXX XXXX regulatory requirements for the Customer Identification Program ( CIP ). 
3. This enabled Wells Fargo to send me 30-day written notice to force me to close all my checking, savings, and money market, and investment accounts. 
4. The actions and conditions above prevent me from working face-to-face with my local Wells Fargo branch manager to directly advocate on my behalf to find out the cause of Wells Fargos actions and determine what information is needed by Wells Fargo to quickly resolve this matter. Instead, institutional barriers have been put in place to prevent prompt and transparent communication.

The conduct I have described above could be perceived as Wells Fargo running afoul of OCC and CFPB rule making : Equal Credit Opportunity Act ( ECOA ), Fair Housing ( FH ) Act, the CFPB Fair Lending guidelines, and the OCC Interagency Guidance of Home Equity Lines of Credit Nearing Their End-of-Draw Periods ( XX/XX/XXXX ) I look forward to hearing Wells Fargos clear answers to the questions above. 

Regards, 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 2021-05-23
Company: KEYCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/21, I was charged {$520.00} with my credit card through Keybank for staying at the XXXX XXXX in XXXX XXXX, Ohio. I was not happy with the room therefore I didn't even stay there. I also was not happy because the staff were not wearing their masks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 writing to dispute the following information in my file. I recently received a copy of my Transunion credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX- XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX/XXXX-XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/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 2017-08-01
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have tried repetitively to have Experian and XXXX to take of a Bankruptcy showing on my credit file. The date of this is XXXX 2014. I never filed bankruptcy at that time. I asked them to verify by showing my signature with any legal paperwork. They did not, and kept on saying it was verified. I will swear under oath to this if need be. They are mistaken my information. I want this off both these credit reports right away. It is hurting my credit score. They are in violation of my rights under 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