BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-17
Company: EQUIFAX, INC.
State: FL
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 've been going back and forth with Equifax for the last few weeks about disputing and deleting items off my credit report that does not belong to me. And they have done absolutely nothing to help me the accounts that 's on my credit report with them are not mine it 's two of them on there and I have over nine or 10 inquiries that do not belong to me and they will not delete them off and I 've been going back and forth with them for weeks all they keep doing this updating the information which is making it stay on my credit report longer I do n't understand how my credit keep getting run if I have the credit Identity On It so that anytime I credit is wrong you have to verbally speak to me to be able to approve me for credit I do n't understand how somebody is still able to run my credit and give me all these inquiries. 
Accounts that are not Mine XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX its on the report 3 times.Inquires that are not mine XXXX XXXX XX/XX/XXXX,  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX .Please help me with these accounts an inquires i did not give my permission on these. Nor did i authorized it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Recently I applied for one of " Navient, '' the largest student loan provider, with one of their " Income Driven Repayment Plans '' on their website. Yet my Student Loan " Amount '' and the " Interest Rate '' that I was quoted and guaranteed on their " Navient '' website was NOT what they mailed to me to  accept.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
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: Card was charged for something you did not purchase with the card

Complaint:
Key Bank took over my XXXX XXXX account and current complaint # is XXXX. I wish to add a new complaint.
On XX/XX/XXXX, I made a payment to KeyBank Card for XX/XX/XXXXof XXXX today and learned that my card has a balance of XXXX XXXX. I only used my card once in XX/XX/XXXX ( no other card use since about XX/XX/XXXX ). I used this card to pay my property school taxes of XXXX ( plus a small fee ) to process that payment. I spoke to XXXX of KeyBank on XX/XX/XXXX to ask why is my balance XXXX? XXXX  said that on XX/XX/XXXX two purchases were made at XXXX XXXX XXXX XXXX. Two transactions made foXXXX XXXX and XXXX. I was not near XXXX NY I was in XXXX NY this is fraud matter! I want the person prosecuted and to see if there is a surveillance at that store to identify the culprit.
XXXX closed the old account ending in XXXX but the account to remain opened until the investigation is done which takes about 30 business days on their end. KeyBank Fraud Unit is XXXX.
I am irate that KeyBank did not notify me when these two transactions took place XXXX  states that because it was in New York they did n't feel the need to I disagree! I had the card in my possession. Note, I reported a robbery to XXXX County Sheriff 's Department in XXXX NY on XX/XX/XXXX as someone robbed my home in XX/XX/XXXX just in case there is a connection to this matter. They will credit my card back the two amounts  after the investigation.
My address is XXXX XXXX XXXX XXXX New York XXXX Cell is XXXX.
Thank youXXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX, XXXX  and Equifax did not block the data on the credit file. 
XXXX, XXXX and Equifax has made no attempt to properly follow section 605B of the FCRA. 


XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

USAA SVG BK XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$460.00} XXXX XXXX XXXXXXXX Balance {$7.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In response to my complaint, # XXXX-XXXX, PHH Mortgage submitted requested Power of Attorney, which is IRRELEVANT. Presented document effective XX/XX/2013. I request to provide Power of  Attorney, which pertain to the time frame from XX/XX/2013 to XX/XX/2013. In the order to justify my request I provide documents related to the Sheriff 's sale, XXXX county, Wisconsin and court orders, XXXX County Circuit court. Property was conveyed to the investor XXXX XXXX XXXX XXXX   XXXX on XX/XX/2013, Electronic Real Estate Transfer Receipt XXXX. 
Therefore, after this date neither GMAC nor Ocwen had nothing to do with the loan and the property. 

XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
A total of 3 fraudulent charges were made to my Sun Trust Access 3 account, for {$20.00} each, on XX/XX/XXXX,  XX/XX/XXXX and XX/XX/XXXX, for a total of {$60.00}. These charges were made without my knowledge or consent. <P/>The charges were for FAX transmissions of account-related documents that were allegededly needed to close on a loan ( for which I had not applied ). When I discovered the fraud, I immediately called the bank to request a refund. I made 2 separate calls and talked to 5 representatives, each of whom claimed there was 'no error ' ; that, since I had applied for a V.A. Loan, I had authorized the charges. <P/>Finally, I contacted Suntrust Bank by U.S. Mail to advise the President of the fraud. My request for reversal was denied. <P/>The problems with the bank 's argument are : 1. While I had applied for a V.A. 'Refinance Loan ', and that application is still in progress, I did not apply for the loan in question, nor had I spoken to the individual who requested my account documents, 2. The document I signed giving my Loan Representative access to private account-related information did not specify that it would be sent via FAX. ( It could have been sent by U.S. Mail ; or, via Email, as PDF attachments. ). In fact, I have already sent a number of documents to my Loan Representative via Email as PDF attachments, and they were accepted in that format. He has never suggested that I need to send documents to him via FAX.
<P/>
3. Since a V.A. Loan Application can easily take 3 months or more to process, same day FAX transmissions are not a necessity.
<P/>
My desired resolution is restitution of the {$60.00} that was stolen from my account by Suntrust Bank.
<P/><P/><P/><P/><P/><P/><P/>
Mobile Phone : 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 monetary relief
Consumer complaint received 2019-10-14
Company: Ocwen 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: Account status incorrect

Complaint:
PHH Mortgage reported to XXXX that the Mortgage is part of an active bankruptcy and removed it from my credit report last month. 
There is no active bankruptcy. My bankruptcy was discharged last year and the car and mortgage were excluded. 
I called PHH to ask them to correct the error and they said they would have to look into it. 
I need this put back on my credit report and the XXXX point drop in my score fixed as I need to purchase my car and the credit score of XXXX from XXXX is affecting the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX XXXX, I started a mortgage application with Quicken Loans and was connected to mortgage banker, XXXX XXXX XXXX NMLS : XXXX ). The process started as typical, with me providing all of the personal and financial information required. 

Because of a short sale in my credit history, XXXX requested that I contact XXXX XXXX to provide evidence that the account had closed in XXXX, as I had stated. On XXXX XXXX, I attached a closing document to an email as proof, along with the text " XXXX, let me know if this works. '' After not receiving any response to my message, I contacted XXXX and was told that she " thought I was joking. '' Which is why she had n't responded to me. I was very puzzled by this response and requested that she submit the application with the new documentation. 

On XXXX XXXX, I reached out to find out the status of the application and XXXX responded " Still waiting for a response. '' On XXXX XXXX, I again reached out for a status update and received another text response " I am looking into things right now! '' It is now XXXX XXXX and I have not received any response to my application or any understanding of what could be causing a delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Exeter Finance Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I communicated with XXXX on XX/XX/XXXX regarding a consumer credit transaction without a down payment for XXXX XXXX XXXX . I asked representative XXXX XXXX does XXXX participate in the Truth in Lending Act and after verifying, she confirmed yes. Afterwards, she stated that a down payment of {$12000.00} would be required to be financed by Exeter ( violation of 15 USC 1601 and 15 USC 1662 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
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: Account status incorrect

Complaint:
XXXX XXXX reported to Equifax that the Mortgage is part of an active bankruptcy and removed it from my credit report last month. 
There is no active bankruptcy. My bankruptcy was discharged last year and the car and mortgage were excluded. 
I called XXXX to ask them to correct the error and they said they would have to look into it. 
I need this put back on my credit report and the 92 point drop in my score fixed as I need to purchase my car and the credit score of XXXX from Equifax is affecting the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: EQUIFAX, INC.
State: IL
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:
Equifax is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: American Payment Holdco, Inc.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I used Check Free Pay to make a mortgage payment but the mortgage servicer never received it. Check Free Pay claims they sent it but XXXX XXXX says they have n't received it. 

Date Money Sent : XXXX/XXXX/17 Amount : {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
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:
A scam of a Fraud agency by the name of Receivable Performance has been posted their frivolous information on my Equifax and XXXX  credit bureaus, I have sent prior complaints to Equifax and XXXX, I haven't got any positive response. 

I never had any contracts made with this XXXX XXXX   scam, nor I ever had any signed deals to pay any amounts of monies what so ever to them, this Fraudulent agency has not been able to validate it's information, they were not able to provide an invoice from their claimants, nor were they able to provide correct dates of information, It's a Fraudulent scam agency that steals people 's information or buy information on XXXX sheets, I want the credit Bureaus, XXXX XXXX and Equifax to immediately remove this false Fraudulent scam information from my credit report ASAP before I slam both bureaus with a Federal Lawsuit and huge Punitive charges and damages to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13
Company: Byrider Franchising, LLC
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX  - XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Chime Financial Inc
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Chime closed out dispute XXXX due to the fact that XXXX already provided a refund, however I have XXXX separate purchases of XXXX  I made with XXXX. One on XX/XX/XXXX and one in XXXX. The refund XXXX gave was for the return I did on the purchase in XXXX, they have not refunded the purchase I made on XX/XX/XXXX and returned at the end of XXXX. There were supposed to be two refunded items and only got one. 

Chime is trying to say XXXX already made the refund but that was for a separate purchase. They do not answer emails or tickets I open in chat in the app

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by XXXX and XXXX XXXX ( XXXX ) acct # XXXX from XXXX NC as a debt collector for Barclays BankCard Services. I entered into an agreement of the threat of a judgment if I did not pay the debt. They agreed and me to hold judgment if I started making payments on the debt which I paid in full. Barclay hired the company to collect the debt. I paid the amount agreed to and received a payoff letter and the debt was closed. I am attaching everything. I was told it was my responsibility to notify credit bureaus of the debt payoff which I did do. I was told to dispute the debt and attach all payment information and the paid debt letter which I did that as well. Barclays Bank through the dispute process is refusing to show the debt as paid. They will not speak with me telling me to contact the attorneys, which I have to no solution. The most recent dispute, Barclay told the credit bureau they had charged off the debt. However, that is not true as I paid the debt. Barclay is also stating I still owed {$200.00} which is also not true. I paid the total debt through the debt collector that Barclay turned the case over to. O told all parties involved I would gladly pay the {$200.00}, but The debt collector states I can pay what is not owed. I am no longer able to dispute the item without new evidence and I have no new evidence.

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 2019-10-14
Company: Harvard Collections, LLC
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: Public record information inaccurate

Complaint:
COLLECTOR ONCE AGAIN FAILED TO SEND A TAX LIEN RELEASE VERIFICATION FOR THE ILLINOIS DEPT OF REVENUE SHOWING PAID/SATIED AND UPDATE XXXX TO REFLECT SO.SEE CFPB COMPLAINT XXXX, DATED XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TransUnion is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2019-10-14
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
American Express increased the minimum payment percentage without notifying me or my consent from 1 % to 2 % of the cards balance. 

My first payment made for the 2 % minimum was XX/XX/XXXX. 

I called them about the situation, they stated that they sent an email notifying all cardholders of this increase in minimum payments. However, I have no email from them. 

I asked them to resend the email that originally sent. They stated that the marketing department is over that issue and there is no way to get in touch with them. 

After a few minutes of nagging, I convinced the customer service representative to contact a manager about the situation. He did so and said that they will resend the email if the notification. 

This call took place late XXXX. I still havent received the email of the notification for increasing the minimum payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
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:
My wife and I were looking to purchase a new home and submitted an application for pre-approval. When our Real Estate Agent advised me that I had some collections I needed to pay off, I was confused because I have never ever used my credit for anything ever. I have always paid cash for everything I have ever had or my wife puts everything in her name. I looked at the report and reviewed it and noticed that there were items that belong to my father, XXXX XXXX XXXX, reporting on my credit report. I submitted request on XX/XX/XXXX to XXXX, Experian, and XXXX to advise them that they were reporting my father 's credit collections on my credit report and asked them to remove them. All 3 credit bureaus indicated that they were completing an investigation. XXXX removed all of the items after their investigation, Experian removed only 2 of the 4 items, and XXXX removed 2 of the 4 items as well. I am scratching my head as to why Experian and XXXX only removed 2 items and not all 4 because none of them belong to me. I sent in a written request to Experian and XXXX on XX/XX/XXXX advising them again that they reporting was incorrect and violating my rights under the Fair Credit Reporting Act and also provided them with the finding of XXXX. I also requested that they send me copies of the information the claim to have received to verify that the collection items belonged to me because I knew that there was no investigation done that verified debts that do not belong to me as valid. They have stopped replying after my 2nd attempt.

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 2019-10-14
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is a claim on my Credit saying I owe a Target {$430.00} for a false account I never opened. I will take legal action against Target if this is not cleared immediately. I believe my identity has been stolen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-14
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of 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 explanation