BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-09
Company: AES/PHEAA
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:
Transcript as of XX/XX/2017 shows I was in school and took 8 credits as required to quality for deferment/forbearance with late payments as a  matter of law. Took classes online with XXXX XXXX college at XXXX XXXX XXXX, XXXX, Maryland XXXX. It is XXXX XXXX XXXX XXXX XXXX/XXXX. My student ID # XXXX. 

There was also a request for administrative forgiveness of loan and the interest reported should be canceled along with principal. The loan balance overstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
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: Information belongs to someone else

Complaint:
I never had an account with XXXX XXXX XXXX XXXX this is a fraudulent account thats been opened in my name

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 2021-09-03
Company: EQUIFAX, INC.
State: CA
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:
Equifax Consumer Service Employees accessed my credit report on XX/XX/XXXX and on XX/XX/XXXX. One location in XXXX, GA and the other in XXXX GA. I believe that this is an employee that may have know me from my past that is trying to access my information to find out where I live, These types of access make my credit score go down by 27 points every time and internal employees does this and it is against federal regulation. Equifax is not a business that I do business with, they are a credit reporting agency. When they do this it alerts the other 2 credit bureaus XXXX and XXXX and all 3 scores drop.

I only have 2 active accounts on my credit report. XXXX  XXXX XXXX Credit Card and XXXX XXXX. They both report pay on time. My fico score was XXXX XXXX and by the internal hits they are deliberately making my credit score drop each time by XXXX points. 

There is no other activity on my reports that would drop my score if you review it. I have attached my credit report document as evidence. The other accounts are student loans which are showing o owed due to the loans are not to be paid until XXXX. 

I want the 27 points placed back on my account per every time they did a soft inquiry to access my account. There should be no soft inquiries on my account from a credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Bridgecrest Acceptance Corporation
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I purchase on loan the XXXX XXXX XXXX with the Bridgecrest XXXX XXXX XXXX ) company on the XX/XX/XXXX and paid for some of the loan but could make it due to lack of enough money until they came and reposes the vehicle on the XX/XX/XXXX at the amount of {$16000.00} with a compound interest of 23.99 % because i didn't have enough credit score at my first purchase. 
Since then the company has been charging me on daily interest and my balance now is showing {$26000.00} on the credit report. 
This is stopping me from getting any auto loan anywhere. 
Please a very good positive answer will help me move forward with my life. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
in XXXX my ex lost his job, we try to apply for assistance with wells fargo and they denied us, since XXXX we have divorce and we both me and my ex decided to divorce and he awarded the house to me. I have my divorce decree stating i am the homeowner of my house so i try to do a loan modification and they denied me they said they wanted a warranty deed with all my rights of my home giving to me so i did but i have been struggling for almost 7 years and getting no where! i have talk to to many people that take the case and they seem to close them out because not they want a liability form signed by my ex, well I can not find him, he has remarried and he signed all the required forms for me to have every right of my house. I am a successor of interest but the mortgager still wont let me do a modification on the loan cause they need his permission after i have the warranty deed and divorce decree signed by my ex, now they want me to provide his address and where he is at which he has remarried and his wife does not want any part of me. Wells Fargo has been so unfair and always has giving me false information, they have been so unfair in deceptive practices! i have lost my hair from all this stress they have giving me! I dont have good credit to move my mortgage somewhere else if not i would! I was laid off in XXXX and had a terrible XX/XX/XXXXyear with XXXX  and XXXX that almost XXXX  me! i feel they are treating me unfair and i get transfer to so many people i feel they aren't taking me seriously! i just want to modify my mortgage and add my name on the note Please help

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 2021-03-04
Company: EQUIFAX, 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:
This is my THIRD time contacting these bureaus to fix issues on my credit report. I have not ANYTHING updated on my credit report since XXXX. NO RESPONSE WAS SENT TO ME NO UPDATES. THIS IS SUPER UNPROFESSIONAL. As a consumer I have rights and they have violated FCRA/FDCPA AND USC 15 1681 ( 2 ) i. These accounts need to be removed I dont want an investigation as I have been asking for one for 3 months at this point they are in straight violation. I tried contacting them via mail, phone call and FAXING and nothing was resolved. I dont want an automated answer stating this is not me I sent you my ID my bank statement along with the social so please save me from the stalling, I have lost patience at this point. 

I ALSO MY NEW ADDRESS IS XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX. PLEASE CHANGE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: IL
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:
I have disputed and requested verification of a Bankruptcy reporting on my credit report reporting inaccurately against me. I contacted XXXX, XXXX and Experian via mail and phone call. I was advised they verified the information with the courts. I have received a letter from the court that states that did NOT provide this information to the credit bureau so the credit bureau LIED about verification. I am aware that if the information was illegally obtained and not provided by the source they are stating the credit bureau is required to delete this information and they refuse to do so.

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 2021-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Trans Union is steel Reporting incorrect information on my credit report I have dispute this Information be for this Fraudulent and miss leading information and this Account is steel reporting Info on my credit report this account needs to be remove from my credit report and I need to see documents on where I signed if you can supply Info to me on this you need to remove this False and Fraudulent Reporting off 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 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX XXXX is reporting account number XXXX on my credit report and it should not be on there since I was apart of the Multi State AG Settlement.

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 2018-06-06
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX I received a letter stating that information was needed to verify comprehensive coverage of insurance of my property. This information was sent in multiple times to Roundpoint Mortgage Servicing through fax, email, as well as through their own website. However, through multiple phone calls and contacts with the company they claimed they did not receive this information. A policy was forced placed on my mortgage which I refused to pay. A late payment remark was made on my credit report XXXX well as my co-borrower 's credit report in XXXX of XXXX due to my refusal to pay the additional amount request by RPM Servicing ( Roundpoint Mortgage Servicing ). I was never given an opportunity to pay solely the principal and interest which I was obligated to pay until beyond the original payment being in excess of 30 days late. Multiple attempts were made to fulfill my obligation to RPM Servicing prior to the 30 days delinquency. Currently I am attempting to make my XXXX payment and they manner the previous payments have been applied does not allow them to do this in their system.

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 2021-09-03
Company: EQUIFAX, INC.
State: AZ
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Loan was transferred to Mr Cooper in XXXX of XXXX. Until then, everything was fine and being paid on time by the predecessor service Company. I got a letter in XX/XX/XXXX from my County which handles the real estate taxes for my property stating that my property taxes were not paid and my taxes were considered delinquent! The payment was due in XX/XX/XXXX. When I called the county they said that they did not receive anything from Mr Cooper. I then called Mr Cooper and got the full run around from person to person to person. Each one saying something else like " oh it shows here it was sent out last month '' or " we can not tell you any details on check number or weather the check was received by the taxing authority or cashed ''. 

I decided to give them the benefit of the doubt and wait an extra week or so to see if the county district  was just delayed in its processing but when I called they informed that they did not receive anything. I have read other reviews online and see very similar stories. Someone needs to do something about this!!! This can not keep happening to regular mortgage paying homeowners!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: COMPUTER SCIENCES CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
CSC/XXXX  XXXX XXXX XXXX serviced my auto loan. At the end of the term of my loan they disabled automatic payment without notice and without my consent for the final payment. This resulted in the payment being late. I suspect this may be a deliberate practice to extract additional fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Equifax has assumed the role of that of acting as a fiduciary over my consumer credit report. I never gave permission nor my CONSENT to Equifax to furnish any of my information to anyone. With that being said and Equifax 's " Technology Coding Issues '' has harmed me, they have been providing inaccurate/false credit scores to everybody, sent out erroneous credit data on my behalf to everybody, in turn is costing me higher interest rates and adverse action taken against me. Plus, I know that they have been selling my data to lenders with out my permission as well. 

Equifax DID NOT exercise their grave responsibilities to protect my PRIVACY. Equifax is unfair, partial, and DID NOT respect my right to PRVIACY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Following a review of my credit report at the XXXX, XXXX   and XXXX consumer reporting agencies, I determined that said reports contained a Capital One Visa credit card for which I did not apply. I initially disputed the credit card account as " not mine '' and Capital One returned a response indicating that it was. Thereafter, I filed a complaint regarding potential identity theft. Not only did Capital One ignore and reject my complaint, they sent a notice of intent to initiate civil litigation. 

I filed separate disputes to XXXX, XXXX and XXXX. Each dispute was summarily rejected as frivolous. The negative and fraudulent account remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: EQUIFAX, INC.
State: CA
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:
Sent a Police Report to Equifax on XX/XX/2018 as per Equifax Office Of Consumer Affairs. Spoke with XXXX in Office Of Consumer Affairs refused to Dispute inquires due to ID Theft and advised me she would not help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
Hello Sir.Ma. 

i was having issue with my card. and account ... i had an accident whereby i loss my phone and wallet and every other inportant information for couple of months so i couldnt remnber my security question or be able to access my account and there is money in it ... what actually happened was that my account was on XXXX  balance and the card was closed ..and when i newly reply i started getting paid on the card but couldnt have access to card or account ...

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 2019-08-25
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Lvnv is trying to collecrvon a debt that does not have my social security number whenni call they can not talk because it's not my ssn but it's on my report and they will not take it off I went on line and try to get account information I can't it's not my ssn Also this debt has been deleted and re-inserted which I am to be notified by credit regulations This company is breaking more than one law by keeping it on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Chapter XXXX bankruptcy discharged over one year ago, but Toyota Motor Company refuses to report perfect payment history. Claiming I, my attorney & Trustee failed to reaffirm loan in time to avoid EVER allowing me to have post bankruptcy status. Toyota 's representative said I have no legal protection from repossession upon 30 days late, stating they can break into my garage to repo a vehicle with perfect record since purchase date- I don't get more than 30 days & NO notices. Also stated I will never be allowed auto pay, or access/use of phone app to make payments! Most importantly, all credit bureaus show NO PAYMENTS since XXXX of XXXX  while loan is showing open. 

I did everything ordered by court- it's not my position to know more than my attorney & the Trustee. I was told to make timely payments & I have a perfect record. I have been denied new credit three times, all separate attempts to gain credit, but each refused due to Toyota Motor Credit failure to report accurate info on my loan payments. My attorney advised that I dispute credit reports & I have, with no result. He advised I try to speak to them again, but I was threatened with repossession again. So I was advised to make a complaint to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
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: Personal information incorrect

Complaint:
FRAUDULENT NAMES : 1. XXXX XXXX XXXX 2. XXXX XXXX 3.  XXXX XXXX XXXX XXXX FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX 2. XXXX XXXX XXXX XXXX, XXXX XXXX FL. XXXX 3. XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 5. XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX FRAUDULENT PHONE NUMBERS : 1.XXXX 2. XXXX 3. XXXX 4.  XXXX 5. XXXX 6. XXXX 7. XXXX 8. XXXX 9. XXXX 10. XXXX 11. XXXX 12. XXXX 13. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21
Company: BB&T CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I already filed a complaint with FTC and they referred me. I have banked with BB & T for over a year and realize nobody is perfect! I noticed outrageous fees in my account, and contacted my branch in XX/XX/2019. No resolution and no assistance! On XX/XX/2019 opened a new account stating that I wanted fees fixed! Spoke to a representative at bank stated someone would call me back, no response! On XX/XX/19 they initially started transferring from my savings and abruptly stopped reversed all transactions and started charging OUTRAGEOUS FEES ON ANOTHER ACCONT WITH FUNDS IN SAVINGS! Are required to follow and obey LAWS??? ( as all complaints seem to address similar situation, excluding funds available in savings account ) 2 emails sent on XX/XX/19 and a response from same rep as the initial call ( CLEARLY SHOWING SHE WAS ABLE TO ASSIST ) but no sort of resolution. On XX/XX/19 sent very nice email stating I was seeking resolution and forward progression, auto reply of out of office till XX/XX/2019.  Benefit given to BB & T and only received auto reply of out of office till the XXXX. Again assuming the best waited again no response! On XXXX filled complaint with FTC, and they referred me to CFPD. Waited till today XX/XX/19 and no response! Now based on all outstanding facts I AM REQUESTING THE {$5000.00} IN FEES AND {$2500.00} IN HELD FUNDS ( Dollar amount within {$200.00}, not able to provide exacts as they online account I have been disabled in viewing. ) In conclusion they quoted FDIC and was a false quote ( FRAUD ) as to quote one is " verbatim ''. In conclusion my damages are being accessed presently and will be perused! I am now requesting CFPD to assist with the minimum of funds held on undisclosed time frame and have been verified BB & T have received funds, and fees. Damages to seek counsel for. Now over 30 days of cleared funds HELD!

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 2019-03-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery Associates have not properly verified my account after several attempts to dispute their right to legally collect this debt. Portfolio Recovery Associate have ignored numerous attempts to properly and legally validate the account. Portfolio Recovery Associates has reported delinquent information to the credit bureaus, I am demanding that this information be deleted. Portfolio Recovery Associates only provided a letter from XXXXXXXX XXXX stating the account was sold to Portfolio Recovery Associates and to contact Portfolio Recovery Associates if I have any concerns.

Company response to consumer: Closed with explanation