BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-20
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: Account status incorrect

Complaint:
XXXX was included in my husband 's bankruptcy case. A discharge was ordered. XXXX forwarded by file to a collection attorney. My attorney wrote 2 letters for which XXXX attorney responded he would withdraw the negative remarks on the credit bureaus and close out the case as it was discharged. XXXX bankruptcy department REFUSES to honor the bankruptcy discharge and ignore repeated communication with them. The XXXX, XXXX in the XXXX XXXX stated " They can do whatever they want. She does n't have to follow the rules. I should have been responsible ''. XXXX has my credit bureau noted as collections-charge off with a balance and late payments since discharge. I have attempted to dispute the entries in my credit reports. The credit bureaus note the dispute as " consumer disagrees ''. The constant incorrect reporting has effected my credit score and has not allowed for fair rebounding of a bankruptcy. I have endured high interest rates and been denied credit due to the incorrect reporting. All written communication has been ignored and the bureaus have not been corrected. During my communication with XXXX I have informed them, I reside in a community property state for which only one spouse needs to file bankruptcy. My husband case number was provided and XXXX said " to bad '' that is n't my bankruptcy. I attempted to explain to several employees on several occasion their attorney dropped the case. The response was and is each time I call them, collection can be dropped but they can still report how they want to the credit bureaus. Copies of the letters mailed along with discharge papers will be attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. 
Can you please send me information showing that these debts are actually mine? And if they are mine, can you send me information that shows the amounts that I owe, because the amounts that these accounts say I owe seem higher than anything I was ever responsible for. I am also requesting that you stop reporting these debts to my credit or at least tell my credit reports that I am disputing the amounts and accounts. Also, please send me copies of whatever you send to my credit reports and whatever they send back to you. Because I dont recognize these debts.

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 2022-01-29
Company: Shellpoint Partners, LLC
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The second lienholder, mortgage company ( Shellpoint Mortgage ) stated that they closed out this loan and sent it to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 's and deeds office is supposed to record the release discharge of the mortgage. I have attached a copy of the letter from the mortgage company ( Shellpoint Mortgage ). I have called the XXXX XXXX 's office many times to get information about this matter. II have called the ( XXXX XXXX XXXX 's office and Shellpoint Mortgage ) They have not given me any confirmed information to me. I would like to make sure this is discharged, released per as the letter states. I had considered filing a complaint with the court if I am unable to successfully get information about the release. I need a copy of the proof for my records once it is released and or discharged. We can have someone look into the matter and reach out to the CEO 's ( whoever oversees the XXXX XXXX XXXX 's office and Shellpoint mortgage.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX/XXXX/2016 ( see attached ) I paid the remaining balance of XXXX Capital One Bank credit cards and closed XXXX accounts using the telephone method. The amounts paid were {$1500.00} and {$1200.00} ( see attached ) and I received an email confirmation of these transactions. On XXXX/XXXX/2016, charges/fees appeared on each account ; XXXX for {$25.00} and {$22.00} ( see attached ). Since I requested payoff amounts on each account, there was no need to charge me interest 24 hours following closure of the accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-29
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: Account information incorrect

Complaint:
Greetings, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with 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 2022-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Greetings, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with 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 non-monetary relief
Consumer complaint received 2017-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX was included in my husband 's bankruptcy case. A discharge was ordered. XXXX forwarded by file to a collection attorney. My attorney wrote 2 letters for which XXXX attorney responded he would withdraw the negative remarks on the credit bureaus and close out the case as it was discharged. XXXX bankruptcy department REFUSES to honor the bankruptcy discharge and ignore repeated communication with them. The supervisor, XXXX in the Bankruptcy department stated " They can do whatever they want. She does n't have to follow the rules. I should have been responsible ''. XXXX has my credit bureau noted as collections-charge off with a balance and late payments since discharge. I have attempted to dispute the entries in my credit reports. The credit bureaus note the dispute as " consumer disagrees ''. The constant incorrect reporting has effected my credit score and has not allowed for fair rebounding of a bankruptcy. I have endured high interest rates and been denied credit due to the incorrect reporting. All written communication has been ignored and the bureaus have not been corrected. During my communication with XXXX I have informed them, I reside in a community property state for which only one spouse needs to file bankruptcy. My husband case number was provided and XXXX said " to bad '' that is n't my bankruptcy. I attempted to explain to several employees on several occasion their attorney dropped the case. The response was and is each time I call them, collection can be dropped but they can still report how they want to the credit bureaus. Copies of the letters mailed along with discharge papers will be attached.

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 2022-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been disputing fraudulent accounts for over a year, submitted police reports, I.D, mortgage insurance, etc. I have submitted this information online, mail, and over the phone. I have received mail from collectors that these accounts were sold and submitted the same documents to them, I have replies back from them as well. Transunion and XXXX are reporting CO ( charge off ) repeatedly monthly and that is against the law. I received paperwork from XXXX that my social is used with another individual and I also submitted that to the Bureaus, I have been repeatedly told that they use what the consumer sends them and thats what they go by, I asked for proof that was used that these accounts are mines and was told that I need to call the creditor. I have been lied to different occasions about about these accounts. They are not reporting on a 3 credit bureaus. I have inaccuracies all on my credit with open/close dates, account numbers, status of accounts, and accounts that I have disputed that has been on my report over 7 years, they still wont remove them. I have been resubmitting disputes monthly after over a year. I have all the documents and paperwork and that is needed for my case. I had a fraudulent account removed and replaced because they consumer came back and said same name, same date of birth, thats not proof of an account. I then received an email for a dispute that I canceled the dispute and I never did that. I mailed 3 letters to all 3 bureaus at the same time and Transunion the only ones that said they didnt have it. I have been a victim of fraud since XXXX, they told me my police report expired and that I needed a new one, then I went and got one, XX/XX/XXXX, submitted it to them along with supporting documents and they are not acknowledging anything. I have submitted debt validation letters no response. I have received modified alerts because I had supported documents and they continue to update it. As of today XX/XX/XXXX I have not received any debt validation response from XXXX or Transunion. I have no other reasoning why they are continuous reporting Charge off on a fraudulent closed account, reporting to 1 or 2 bureaus, different open/closed accounts that are sold, no debt validation proven to date when you have proof that it is me. When I had to remove a suffix off my report because they had me as a ( XXXX ) and a male.

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 2022-01-29
Company: HW Holding, Inc
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX, Hunter Warfield document violate the Fair Debt Collection Act and the Fair Credit Reporting Act laws. I found SEVEN violations. Each violation is a {$1000.00} dollars according to 15 U.S code 1692K

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: WELLS FARGO & COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I sent Wells Fargo and there registered agent a billing error notice. They have 30 days to fix it. As a consumer, they failed to apply a credit that I am due, and also, they withheld this disclosure from me. Pursuant 12 CFR 1026.13, this constitutes as a billing error. Wells Fargo is notorious for shutting down consumer 's accounts due to us exercising our consumer rights. Pursuant 12 CFR 1026.11, when a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall credit the amount of the credit balance to the consumer 's account. Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer. Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. Also in my letter I stated what they can and can't do to the consumer. I feel as Well Fargo has taken a advantage of me for a long time. They withheld this disclosure while I was paying them when I was due a credit. I have been with Wells Fargo for over 15+ years. Im demand my credit be applied every month as stated. The same letter was also sent to The XXXX Attorney General.

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 2017-07-22
Company: Experian Information Solutions Inc.
State: NC
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:
I have a XXXX for the year 2015. The balance on my credit report should be {$0.00}. The debt cancelled on the XXXX shows {$10000.00} on my credit report it 's almost {$14000.00}.

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 2021-04-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I am trying to sell my non operation vehicle. I owe around 7-8 thousand on the vehicle. The vehicle does not work and would cost to much to repair. The parking spot where the vehicle is being stored no longer is available. My only option is for me to sell the vehicle. The bank is demanding i pay the loan in full to sell the vehicle. Financially for me that is not possible. 
They have refused to refinance my vehicle in the past, and are being uncooperative. 

i was asking them to allow me to sell the vehicle and continue to make payments or for them to come and get the vehicle and witch i would still make payments. 

i would like you to look into the loan to see its legality. 

They have been using racially insensitive language towards me.

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 2021-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
Capitol One is in violation of 7 federally protected consumer rights under 15 usc 1692 and 4 unauthorized uses of registered trademark

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Experian Information Solutions Inc.
State: SC
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 recently filed a dispute with Experian in XX/XX/XXXX asking them to remove inaccurate information on my credit report.The 2 accounts that I asked to be removed were reporting inaccurate dates, amounts and account numbers on Experian and XXXX. The dispute results from Experian came back verified as if no real investigation was even done and obviously no investigation was done because the account ( XXXX ) came back as accurate but displayed Charged off from XXXX XXXX XXXX, 2 on time Payments after XX/XX/XXXX ( XXXX XXXX ) then back to CO status until XX/XX/XXXX. Experian did not do any investigating

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 2020-04-21
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 am having trouble getting the proper information to update on my credit file. I was a victim of fraud I have been moving back and forth from XXXX Ohio to XXXX, GA. Someone in XXXX OH has been using my name and information. I have filed a police report with XXXX Police Dept and FTC Identity theft affidavit. Please remove/delete the following addresses : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX THE FOLLOWING ACCOUNT HAVE BEEN REPORTED TO THE POLICE AS FRAUDULENT : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX / XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX.

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 2023-02-27
Company: AES/PHEAA
State: PA
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:
My credit report information regarding my federal student loans is incorrect. My federal student loan debt is misrepresented on my credit report with XXXX. Initially I had 4 student loans prior to consolidation, in the amounts of XXXX, XXXX, XXXX and XXXX that were being serviced by Dept of ED/XXXX XXXX Prior to XXXX, they were serviced by Fed Student Loan Servicing with balances of XXXX, XXXX, XXXX, and XXXX. 
These are now consolidated and being serviced by XXXX with a balance of XXXX. 
Fed Loan Servicing no longer has these loans they had been transferred more than once. The only student loan debt that should appear on my current credit report should be with XXXX with a balance of XXXX. 
XXXX states in a previous dispute that Fed Loan Servicing states that these balances are correct however when I attempted to call Fed Loan Servicing with the number given by XXXX it is an invalid number that does not ring XXXX. My next steps will need to be to obtain legal counsel and report to the Ombudsman for XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: CCF Intermediate Holdings LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I took a loan out with First VA paid off the loan they are claiming that I still owe on the loan when I went to apply for a new loan but cant give me the application information all the state is the card was swiped and used after I paid the loan

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was being harassed and had called to be taken off the call list. After expressing that I did not wish to apply and that I was XXXX and it was too high stress the lender coerced me into giving out personal information and allowing a hard credit pull. I asked it be removed because I was coerced and it felt wrong and I had never been given information or anything and was told nothing was done incorrectly and that I had allowed it after several no 's so it's okay. This type of behavior is incredibly predatory. I had simply requested the credit pull be removed as a result of the lenders behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: LoanCare, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Its hard to explain what is happening because the issue at its core is that the company is not organized, has sent misleading letters and cant process changes or payments on their website among so many other confusing business practices. 

One thing, for example : Every time you log in a window pops, asking you if " this '' is your email. The same box. Every time. Yes. My email hasnt changed. Its absurd. There should be standards that loan companies need to adhere to and I am very worried about the validity of this company. The website is glitchy and very confusing. How can a company this terribly run be handling a loan of this magnitude? 

Another problem I am facing is that for some reason my auto draft has been temporarily suspended and now It is saying that the next date of draft is XX/XX/20? I never suspended my auto draft and it shouldve drafted this month. They suspended my payment and then are saying I owe late fees as well as a " {$10.00} payment fee '' I cant get a solid answer on the website of what I owe. I really really dont trust this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation