BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-04
Company: Experian Information Solutions 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2017-10-19
Company: AMERICAN EXPRESS COMPANY
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
My credit card information from American Express was stolen in XXXX XXXX. I resolved the issue through the legal department of AE. They redacted all bad credit reports, admitted it was fraud and covered it under my fraud insurance and said it was resolved. 

Since that time I have had 5-10 phone calls every day from collection agencies. Anything from messages telling me " the police were coming for me for not paying my bills '' to the " IRS is going to put a lein on my wages. '' I have told the people who call to leave me alone and stop calling. I have texted them. I continue to block the phone calls but it is not stopping. They are harassing me and I would hope you could help me stop the harassment. Enough is enough. 

Some of the phone numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and about 200 more numbers ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: Grant & Weber
State: OK
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:
In XXXX XXXX, I contracted with a credit repair company and set out on a journey to repair my credit. I could tell there were things on my report that I did n't know what it was or who it belonged to. Multiple items were deleted and I continued to work on my report and scores. In XXXX XXXX, XXXX new items from Grant & Weber XXXX XXXX appeared on my Credit Bureau Report under derogatory marks. When I went in to investigate it, they were all from XXXX XXXX, XXXX and the original creditor was XXXX XXXX XXXX. I did n't have any knowledge of doing business with this company in XXXX or before, so I disputed the charges. XXXX of them were deleted but the XXXX largest charge was deemed valid. I 'm not sure how one can be valid and not all of them or how one can even be valid when I have no knowledge of the company. On the credit report it shows that I have paid XXXX % of the debt off. I guarantee, I have n't paid XXXX or Grant & Weber a penny, so that information is incorrect as well. I would like to see some sort of proof where I signed for the goods that I supposedly received from XXXX XXXX, what type of supplies it was & proof of a payment that was made by me. I believe all of this to have been placed on the wrong person or SSN.

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 2021-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
For many years now ( about 8 ), creditors, like XXXX Credit Card ( XXXX XXXX ), XXXX, XXXX XXXX, and XXXX ( to name a few ) tell me that I have a credit/ fraud/ extended alert on my credit profile. 

Example- I applied for a Chase card recently towards the end of XX/XX/2021, and I received a hard inquiry ( as expected ), however, I then received a letter stating that I have an extended alert on my profile, specifically from XXXX , and that they can not continue with my request. 

Unfortunately, this was an inquiry for nothing ... I've gathered so many inquiries with no result because lenders can't continue with a credit to open or update credit. 

Sometimes, some banks will ask me public records questions to proceed with my request, other times, they say they don't have the capacity ... 

This same thing happens when I ask banks for credit limit increases ... 

According to the lenders, the alert they receive from the bureau says that they need to contact me to verify my identity, but that I have no phone number on file. 

This happens with all three credit bureaus ( transunion, equifax, and experian ), yet all three verify I have no such alert, and that my phone number and contact details are in fact listed on my report. 

My credit has suffered tremendously because I can't reach anyone who can help me with this. 

Today, XXXX XXXX, I've called all three bureaus again. I've written before, too. All three say I have no alert and that the lenders system is at fault. This can't be, as its multiple lenders!

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 2017-06-28
Company: Caneel Capital, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am an XXXX military personnel and I bought this house sometime in XXXX at XXXX XXXX XXXX XXXX XXXX CA. But unfortunately, after closing our escrow about ( one week after ), I received an assignment to go to XXXX immediately with my family. We left and we did n't even have a chance to live on the property. I was in XXXX for 5 years and then got another assignment to go to XXXX which I stayed for another 5 years. When we came back, I thought that the house went on foreclosure as we abandoned the house for 10 years and did n't pay anymore. The only time I found out that it was still in my name is when I was trying to cosign with my brother in buying a house, this property pop out that it is still in our names. I immediately called XXXX XXXX and told us that they ca n't foreclose the property as I am an XXXX military personnel. So they suggested to do a short sale in which they approved it right away in less than a month. Now, there was a 2nd with Trinity Financial, in  which my agent was trying to talk to them and negotiate. The original balance is only {$74000.00} but because of the interest for 10 years it became {$130000.00} plus. So, XXXX XXXX offered them first for {$3000.00} but they did n't want to accept it and told my realtor that SHORT SALE Is not an option. We tried to communicate with them as to how much they are willing to accept as we already have a buyer that was approved for the loan already and ready to close, but they are insisting on getting the full amount of {$130000.00}. and didnt even want to come up with any amount except the full amount and told my agent that SHORT SALE IS not an option. My 1st Lienholder is not going to pay them the full amount as their taking a big loss of {$400000.00} based on the attached demand letter and the property value is {$290000.00} only. We tried to speak to them to tell us what amount are they willing to accept besides the full amount but did n't want to give us any respond except they send my realtor a denial letter saying SHORT SALE IS NOT AN OPTION. I did n't want and neither XXXX XXXX to foreclose this property considering that I have served and continously servicing our country for 21 years but Trinity Financial did n't want to cooperate to close this and be removed in my name. What can I do? I beg them and told them that it is not fair how they treated a Veteran trying to avoid foreclosure, when the 1st lienholder who is taking a big loss allowed and approved the short sale right away.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
For many years now ( about 8 ), creditors, like XXXX Credit Card ( XXXX XXXX ), XXXX, XXXX XXXX, and XXXX ( to name a few ) tell me that I have a credit/ fraud/ extended alert on my credit profile. 

Example- I applied for a Chase card recently towards the end of XX/XX/2021, and I received a hard inquiry ( as expected ), however, I then received a letter stating that I have an extended alert on my profile, specifically from XXXX , and that they can not continue with my request. 

Unfortunately, this was an inquiry for nothing ... I've gathered so many inquiries with no result because lenders can't continue with a credit to open or update credit. 

Sometimes, some banks will ask me public records questions to proceed with my request, other times, they say they don't have the capacity ... 

This same thing happens when I ask banks for credit limit increases ... 

According to the lenders, the alert they receive from the bureau says that they need to contact me to verify my identity, but that I have no phone number on file. 

This happens with all three credit bureaus ( XXXX, XXXX, and experian ), yet all three verify I have no such alert, and that my phone number and contact details are in fact listed on my report. 

My credit has suffered tremendously because I can't reach anyone who can help me with this. 

Today, XXXX XXXX, I've called all three bureaus again. I've written before, too. All three say I have no alert and that the lenders system is at fault. This can't be, as its multiple lenders!

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 2020-08-19
Company: Village Capital & Investment LLC
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
When the CARES act was passed in response to COVID-19, on XX/XX/XXXX I notified my Mortgage Company, Village Capital and Investments, of my desire to enter into a forbearance plan in accordance to the CARES act. Village Capital granted my request as required by the CARES act. However Village Capital has NOT reported my mortgage status as CURRENT as required by the cares act. They have reported to the credit bureaus as account in forbearance. The language in the CARES act explicitly forbids this status reporting. Village Capital must report the account as CURRENT. Village Capital has refused to fix this error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Healthcare Receivables Group, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Spoke to XXXX on XXXX she said I made a payment on XXXX {$140.00}. I ask her how was payment made she couldn't provide any info. This collection took my {$1000.00} state refund check and paid a debt they shouldn't pay or I wasn't aware of and now saying I owe this debt. They providing false info and misleading the credit bureaus with is bogus info. It is really hurting me tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I ASK FOR A LETTER TO GIVE THE STATE OF XXXX THAT I WAS NOT ON THE LOAN AND IN RETURN FOR THE LETTER THE ESTATE WOULD PAY OF THE LOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was referred to a tax professional by Wells Fargo rep whom replied to prior CFPB complaint regarding a reported amount of {$5100.00} for tax year 2020, this amount was not received from Wells Fargo as detailed in numerous prior CFPB complaints to date. Tax professional advised Wells Fargo needs to correct reporting information to show no payment received or IRS will collect taxes on payment regardless if received or not... I've attached 1099 form showing amount reported, needs to be corrected to show no such amount received. As explained numerous times prior and again here, payment was supposedly sent via XXXX, no signature required, to my old address in XX/XX/2020 after I moved in XXXX of 2020. Payment sent to address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX, I currently reside at XXXX XXXX XXXX, XXXX XXXX, CT XXXX was intercepted, cashed by a third party, no funds received.. IRS reporting information needs to be corrected to show no funds received, if not, they are liable for tax penalties I may incur. I attempted to resolve matter with a XXXX XXXX, manager with Wells Fargo executive office, offered three options to resolve including reissuing check in amount of {$5100.00}, correcting IRS reporting to show no payment received, or offer a settlement amount including missing payment to cover damages for unauthorized accounts ... None of the options were chosen, matter remains unresolved.

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 2022-05-04
Company: EQUIFAX, INC.
State: NY
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 dispute certain information in my file which I believe is possibly Identity theft.This account was opened fraudulently therefore I am a victim of identity theft. The accountwas opened without my knowledge, consent, or authority. I have no idea how the theft tookplace, nor do I have knowledge of the suspects. I did not receive any money, goods, orservices as a result of the identity theft. This is a strict violation of FCRA Section 605b.The 3 Credit Bureaus needs to remove the account from my file. 

XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I recently acquired the Barclaycard Arrival Plus Mastercard because of the alluring promise that I can earn XXXX miles per dollar spent as well as redeem them for travel purchases at basically XXXX cent per mile rate. The travel credit redemption program states : " Choose any qualifying travel purchase of {$100.00} or more made within the last 120 days to redeem your miles for a travel statement credit. Travel statement credit redemptions start at XXXX miles for {$100.00}. Please note, only qualifying travel transactions made in the last 120 days will display, and you may only redeem against a transaction one time. '' However, it does n't state anywhere in the rewards program description that AFTER the initial {$100.00} threshold has been met, there is a {$25.00} increment in redemption. Meaning that my charge of {$120.00} CAN NOT be redeemed with XXXX miles and instead the maximum I would be allowed to use to redeem is XXXX miles for {$100.00} of the {$120.00} charge. Phone representative admitted that there 's a {$25.00} ( or XXXX mile ) increment after the initial {$100.00} ( XXXX mile ) threshold has been met. He also admitted that this is not clearly stated and as a consumer I feel that I was not able to maximize the rewards that I 've earned because no attempts were EVER made by Barclaycard to disclose the " rule ''. The phone representative XXXX made it very clear that I will never be able to use the entirety of my miles ( XXXX miles at the time of writing this ) because of the unstated rule and I do not think that Barclaycard has been upfront about the rewards program to allow a consumer like myself to make an informed decision about their product.

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 2021-07-22
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$5900.00}, {$8400.00}, {$720.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- AUTO LOANS OR LEASES 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8400.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$720.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2022-05-04
Company: EQUIFAX, 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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports :, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, XXXX  XXXX Balance Owed : {$0.00}, XXXX XXXX XXXXBalance Owed : {$0.00}, XXXX XXXX Balance Owed : {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Diversified Recovery Bureau LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Someone has been calling my sister repeatedly asking for me. I have not recieved any communication from them at all. Not a call, letter or voicemail and I dont owe anyone anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was scheduled to attend school at XXXX XXXX University XXXX XXXX XXXX in XXXX, Georgia. I was enrolled on XXXX XXXX 2004. I did not go to class at this school and I was withdrawn XXXX XXXX, XXXX. I originally signed a signature loan with XXXX XXXX ( now Navient ). My loan funds were not used and Navient is now showing that I owe them over 30k in student loans. I called both parties XXXX and Navient to explain that in this time frame I did not attend school. I keep getting the run around, Navient is blaming XXXX and XXXX is blaming navient. Navient has been calling harassing me about the debit, I did not realize until recently what school the debt was for. Navient took this debt and collected fees based on a 14 % interest rate and started asking for a XXXX dollar payment. I did not use this loan at all I did not attend the school. I am having to seek legal advice to possible sue Navient because I think they purposely did this to collect fund on their high interest rate. XXXX stated they sent the money back to navient but navient is denying that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation