BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-25
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The XXXX XXXX address that is listed on my credit report - I have never resided at that residence. This item needs to be removed - there have been several instances in which I get asked security questions about this address as if I lived there. The other addresses that are listed are correct. I asked this items to be removed before and i dont believe it was fully removed. across all reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: CITIBANK, N.A.
State: OR
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 XX/XX/XXXX there were fraudulent charges made against my account. These charges originated overseas ( XXXX ), and so I was charged a foreign transaction fee. 

On XX/XX/XXXX I noticed the fraudulent activities and disputed the charges. On XX/XX/XXXX the disputes were marked resolved and the funds credited to my account. 

The foreign transaction fee has not been credited to my account. There is no means for me to dispute the fee ( not that I should have to ). 

Customer service has consistently been of no help, and their promises of pending credits have never come to fruition.

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 2021-07-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I was coerced into opening a checking and savings account by an employee of Wells Fargo. Upon her handling my cash of {$200.00} she stole {$100.00} and only deposited {$50.00} per account. I raised an alarm and even called the police to investigate. 
The Wells Fargo has since gone out of business and I was never reimbursed.

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 2021-04-27
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To whom it may concern : I am a XX/XX/XXXXAmerican XXXX XXXX  veteran. The problem started in XX/XX/2021 with PennyMc Loan services. I currently have my VA loan through them and they kept calling me for a VA re-finance so I applied and they were completely incompetent and awful. They repetitively were asking for documents from me from 13 years ago. I spoke with a supervisor and he said it was a mistake and they would stop and the never did. I emailed the processors over and over at least 25 times over the course of 3 months and got reply a week later each time that was just asking for thee same nonsense. It was a constant barrage of them asking for more paperwork that was so many years ago years that was paid off and I did not have proof of. The harassed my wife for paperwork IRS transcript when she gave them proof she filed and copies of cancelled checks. They kept yo-yoing us asking for paperwork that we did not even have to provide when we bought our home. The whole process made no sense and they made it so difficult that finally I could not take it anymore. A friend told me to try quicken VA refinance and it was so different of an experience. 
They gave me a rate that is a full 1 % less that PennyMac and in one afternoon I had satisfied all the paperwork requirements. They said they did not need to see paperwork from 13 years ago and my wife did not have to provide anything to them for the loan. I just want to warn prospective Veterans that Penny Mac is an awful experience and ultimately will rip off Veterans. 
Thank you and XXXX Bless America, A Fellow XXXX  Vet

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
my cr report shows a neg, that the creditor put on my acct. Unable to contact consumer, they have the correct add

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed bankruptcy in XXXX. My house was not included and I have never missed a payment. My mortgage was sold to Select Portfolio Services in XXXX. In XXXX I noticed my mortgage payments were not being reported to the credit bureau. I contacted Select Portfolio Services and advised them of the situation and that my bankruptcy paper work shows the house was retained. I was told by the representative that since my social security was associated with a bankruptcy, the information must remain on my file for the life of the loan, because it is a Select Portfolio Service policy. I have copies of my payments to Select Portfolio Service that date back to 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 2018-09-22
Company: ALLY FINANCIAL INC.
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
As of XXXX XX/XX/XXXX, the state of Connecticut mandated Payers ( Banks ) who had business in the state to withhold Ct state tax from Pensions, Annuities or Retirement account distributions of maximal 6.99 %. 
Connecticut residents could tell the Payers ( Banks ) the correct amount of Connecticut income tax to withhold by filling in " Form XXXX '' and sending this to the Payers ( Banks ). 
When I send to my bank what is ALLY BANK the forms for my Required Minimum Distribution ( RMD ) I included also the " Form XXXX '' with my instruction to withhold {$0.00} for state tax withholding. My income is low and the last 2 years I had only to pay a minimum amount of CT state tax. 
Ally bank did totaly ignore to what I had filled in on my " Form XXXX '' and took out 6.99 % from the amount of my RMD. 
It seems very strange that while the state of Connecticut let ALLY Bank thru my " Form XXXX '' not withhold CT state tax, ALLY Bank insist in doing this against my wishes, and in a way ALLY Bank forces me on XX/XX/XXXX, to give the state of Connecticut a loan that I can get back in XX/XX/XXXX after I have filled in my CT State income tax. 
Attached is a file with 3 forms that I send to ALLY Bank to request my RMD from my IRA.

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 2018-09-22
Company: Experian Information Solutions Inc.
State: MO
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:
Please remove the following accounts from my credit report, due to the fact that the accounts are not mines, I been XXXX since 2001. The following accounts are XXXX XXXX XXXX, XXXX XXXX, and 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 2018-02-16
Company: Experian Information Solutions 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:
I have repeatedly disputed and requested verification and validation of the debts listed below for over two years now. Experian has responded only with improper verification form letters that provide no backup  documentation or proof of this debt being mine. 
During this time, I have experienced the adverse results of your erroneous reporting, including denial of credit and housing, reduction and closure of credit lines, loss of property, near foreclosure, incurrence of usury interest charges, and emotional distress. To properly validate a debt by law, Experian must provide me with a copy of the original contract signed by and obligating me to this debt. If Experian can not provide such proof of debt validity, the account must be deleted form my report. Experian has negligently and willfully failed to properly investigate the disputed debts, and is in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. 1681i ( a ), 1681n, 1681o, subject to a {$1000.00} fine for each instance. 

Acct Name Acct # Status XXXX XXXX XXXX .... Not Validated XXXX XXXX XXXX XXXX .... Not Validated XXXX XXXX XXXX XXXXXXXX XXXX .... Not Validated XXXX XXXX XXXX XXXX   XXXX .... Not Validated

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 2023-02-08
Company: Resurgent Capital Services L.P.
State: CT
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:
Ive contacted the fraud department. I have submitted several police report documents along with the FTC and CFPB. I was told by a supervisor that this account will be updated enclosed in blocked from my credit report, and I have a lifetime ban from receiving any future cards from XXXX, because of the fraud that was committed in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a XXXX and XXXX and was in the process of purchasing a home when I was informed by my creditor that there were collection items reporting on my credit report. This was a complete shock to me because I haven't used my credit other than to finance my car. When I reviewed the credit report that was given to me from the bank and saw a ton of information reporting on my credit report that had nothing to do with me, I immediately contact XXXX, XXXX, and Experian to inform them that they were reporting inaccurate information on my credit report that needed to be removed. All 3 of the credit bureaus have responded partially by removing some of the inaccurate things they were reporting. I have been consistently submitting my request to have these inaccurate collection items removed from my credit report and since XX/XX/XXXX, they all have ceased to provide me further assistance and investigative proof substantiating their lawful reason to refuse the removal of the remaining inaccuracies. I started contacting the 3 credit  bureaus in XX/XX/XXXX and have followed up on all their correspondence regarding this issue. XXXX and Experian have responded by removing all but 2 of the inaccurate collection reportings and XXXX still inaccurately reports 4. All 3 bureaus continue to report XXXX XXXX as not paid in full when it was paid in full by refinancing thru XXXX XXXX in XX/XX/XXXX. So my credit report reflects that I have 2 outstanding auto loans when I only have the one with XXXX. These inaccuracies are interfering with my ability to purchase my home and violate my rights under the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Please remove the following accounts from my credit report, due to the fact that the accounts are not mines, I been XXXX since 2001. The following accounts are XXXX XXXX XXXX, XXXX XXXX, and 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 2023-03-11
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
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:
Misusing credit info

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 2021-07-06
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I have no knowledge of this account in collections but they call and send verbal threats on my voicemail late at night or early morning and keep putting false information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Transunion is incorrectly reporting a collection for the XXXX of XXXX XXXX, partial account number XXXX. I contacted this utility directly and provided them with the necessary information so they could look up the account. They did not show any record of my ever having an account with them, and they verified I did not have any outstanding balance. The information on my credit report is in error.

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 2021-02-10
Company: EQUIFAX, 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:
These accounts are inaccurately reporting that I was late on my credit file : 1. XXXX XXXX ( Opened : XXXX XXXX ) - is incorrectly reporting that I was 60 days late XX/XX/XXXX ; please send me proof that this information is accurate. 

2. XXXX XXXX ( Opened : XX/XX/XXXX ) - is incorrectly reporting that I was 60 days late XX/XX/XXXX ; please send me proof that this information is accurate. 

3. XXXXXXXX XXXX - is incorrectly reporting that I was 30 days late from XX/XX/XXXX - XX/XX/XXXX and XXXX & XX/XX/XXXX ; please send me proof that this information is accurate. 

4. XXXX XXXX XXXX XXXX is incorrectly reporting that I was 30 days late XXXX XXXX ; please send me proof that this information is accurate. 

5. XXXX XXXX - is incorrectly reporting that I was 120 & 180 days late from XX/XX/XXXX - XX/XX/XXXX ; please send me proof that this information is accurate. 

6. Incorrect Personal Information : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX There is one account that is reporting on my credit file that does not belong to me : 1. XXXX XXXX XXXX - XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have been a checking and savings customer of Capital One ( ING direct before that ) since XX/XX/2002. recently i notices savings rates have increased. I found out that my savings account is a '' grandfathered '' savings account that used to earn a great interest that fluctuated with market. apparently i was moved into a low interest product without my knowledge. I don't know when this happened but my current savings interest rate is 0.6 % and the high yield savings earns 1.7 %. i have since had to open new account and transfer my money into that account to get the new rate. My issue is that the account my money was in isn't even offered. their off the street savings account is the 1.7 % high yeild account regardless of balance. I feel like i missed out on a lot of interest over the last few years. i take some responsibility for not realizing it, but i would hope that cap one wouldn't put someone in a product that isn't the " off the street '' offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
TransUnion is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. I have included their internal file number. My name, ssn, & address has not changed. TransUnion has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report TransUnion XXXX ACCOUNTS XXXX XXXX not mine DPT ED/XXXX   XXXX not mine DPT ED/XXXX XXXX not mine XXXX XXXX never late COLLECTIONS US DEPT ED XXXX not mine US DEPT ED XXXX not mine

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 2022-01-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXK ) XXXX I XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX  XXXX ) XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX CO ) XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT XXXX XXXXXXXXK XXXX 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 explanation
Consumer complaint received 2021-01-05
Company: EQUIFAX, INC.
State: LA
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 was so stress since Ive sent disputes last XXXX.2020 regarding to those inaccurate and unknown account that I found on my credit report but its almost 90 days today but I haven't received any response. I demand to Remove it ASAP or I will file a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
FORBEARANCE from the pandemic has now turned into a foreclosure! My payments were current each and every month until XXXX of 2021. I applied for forbearance and was granted a forbearance. I extended the forbearance another 90 days to XX/XX/2021. I had requested to exit forbearance this month in XX/XX/2021 as I was offered a solution of a reduced interest rate to 2.58 % and extend the loan term to 40 years. I have recently been informed that my loan is in foreclosure and I owe nearly {$19000.00}! The mortgage statement for XX/XX/2021 also reflects that XXXX and XX/XX/2021 were included in the forbearance, yet I did not request forbearance assistance until XX/XX/2021. 

My good credit rating does not exist anymore and this is not how the forbearance is supposed to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Received a letter in the mail from Target with a new card- that I never applied for- so I subsequently called and cancelled my acct. They did say my SS # has been compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
After sending information to verify myself with my disputes ( XX/XX/2019 ), Equifax has failed to respond to my latest dispute. They have violated the FCRA, it has been more than 30-days. Please see below ACCOUNTS XXXX XXXX XXXX   XXXX never late DEPT OF ED/XXXX XXXX XXXX never late DEPT OF ED/XXXX XXXX XXXX never late DEPT OF ED/XXXX XXXX   XXXX never late XXXX XXXX XXXX XXXX never late US DEPT OF EDU XXXX not mine US DEPT OF EDU XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX not mine

Company response to consumer: Closed with explanation