BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: PA
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:
Unauthorized hard inquiries that were reported as follows XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Attempted to dispute inquiries with all 3 credit bureaus and were coming back as validated when clearly I have not attempted and had no awareness of attempt to open listed accounts above.

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 2022-05-13
Company: SUN WEST MORTGAGE COMPANY, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was working with XXXX XXXX XXXX # XXXX at XXXX, XXXX XXXX # XXXX on XX/XX/2021 in order to refinance my home for a lower monthly mortgage payment and better interest rate. I received loan documents from SunWest Mortgage Company XXXX Inc. XXXX XXXX XXXX on XX/XX/2021 that were incorrect. I advised XXXX XXXX of this. New loan documents were sent to me but again they were incorrect and I advised XXXX XXXX that again the documents were incorrect. Later I heard that XXXX was offering an even lower rate of interest so I emailed XXXX XXXX asking him about a new lower rate. He never responded. When I emailed him asking for the loan documents he said that I could not get the same rate as quoted in the previous loan documents. I have tried to contact other lenders to get that rate but they have all now raised their interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: DISCOVER BANK
State: NC
Product: Credit card
Issue: Other

Complaint:
Discover card contuines to contact me via phone calls at home, work and other family members. They also contuine to send harassing and threaten letters to my home address in which I can attach. Discover Card was first contacted on XX/XX/2016 about this account. It is to my understanding that this company is extremely aggressive and are known to take these type of measures against consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-12
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: WA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call me and tell me when I have no money for a payment to borrow money from friends or churches.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-23
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have items on my credit report that are NOT mine and I would like them taken off! One of them is a Vet for a animal that is not mine! I do NOT own a dog but this XXXX vet says I owe them over {$2000.00} for something that is n't mine. Also there are medical bills on my credit for places I have not been or even went to a doctor for these issues! I just want them removed off my credit so I can be done with this misinformation!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-09
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is a Public Record of a Judgment a little over {$1200.00}. I had the law firm send me documentation that it was paid. They will not send it to the credit reporting agency, because they say they did n't place the filing. But they are the ones who filed the documents. They said it has to come from the original creditor. But I called the Court and they said it was the law firm. But the law firm will not remove the derogatory credit filing.

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 2020-06-09
Company: CITIBANK, N.A.
State: NH
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XXXX, I opened a " High-Yield '' savings account with Citibank by clicking through an offer provided to me in the Citibank mobile application. As shown in the attached screenshot, the rate that was advertised to me was 1.6 %. I had to call Citibank Customer Service later that day on an unrelated issue and asked them to confirm the interest rate since the online banking portal showed a rate of 0 % on the new account. They told me that they thought the rate would be 1.55 %, but that they could not be sure because the account was so new ( a few hours old ) and asked me to call back the next day to confirm. Because of the apparent discrepancy, I went back to the mobile app and took a screenshot showing that 1.6 % was being advertised. When I checked back the next day, they confirmed that the rate was not what I had been shown. After a few days of getting nowhere with their customer support, they finally opened a " request '' on my behalf on XX/XX/XXXX to investigate the issue. On XX/XX/XXXX, they responded with a letter saying " We reviewed our record 's [ sic ], as per our research interest rate is 1.40 %. We have confirmed that this was calculated correctly and no adjustments are necessary. '' So they were now saying that the rate should only have been 1.4 %, not 1.6 % or even 1.55 %! After calling the bank again and once again getting no satisfaction, I decided to open a complaint here. While I understand that interest rates can change on an account after it is opened, the banks should be required to at least START at the rate advertised when someone signs up for an 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 explanation
Consumer complaint received 2021-04-21
Company: Nelnet, Inc.
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Good day, My son obtained a loan from XXXX XXXX in the Fall of 2018. Recently XXXX XXXX sold off the loan to Firstmark Services. We were under the Federal loan forbearance with XXXX XXXX, of which Firstmark Services is now trying to collect the debt. 

Are these loans still under Federal forbearance or can they now just claim them as private loans? 

Thanks for any additional information. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My son, XXXX XXXX XXXX who is now XXXX and soon to be XXXX has an incorrect negative report on his Experian Credit Report. This debt of {$89.00} was a debt of his parents, XXXX XXXX XXXX and XXXX XXXX XXXX which has long since been satisfied and quite honestly was sent to collections in error on the part of XXXX XXXX for XXXX XXXX XXXX. XXXX XX/XX/XXXX at age XXXX and at no time was he legally responsible for the many medical bills from this XXXX. XXXX XXXX wrongfully put this on his credit report and XXXX and I are disputing this. He 's had a rough go of it with XXXX more XXXX in XX/XX/XXXX and XXXX. He 's good and attending college now and starting off life with a negative on his credit report when he has n't even been able to establish any credit which is what he is working on. We would appreciate any and all you can do to expedite this as his parents are buried in medical debt, but he should not have to suffer from that. 

Thank you, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-07
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I received my annual free credit report two days ago, for Experian only. I 've attempted to use their online system to submit disputes to XXXX items that violate CSR Section 682.405 ( rehabilitated student loans that should have had all negative items removed in 2012 ), but no matter what I enter in the form, I receive the message " The additional relevant information you entered is invalid. '' I tried twice to use the alternative document upload form, but received repeated error messages there too. When I try to log in now, I see that I have apparently exceeded the number of allowed views for my ( federally mandated ) credit report. At the moment, my opinion is that the broken nature of this process amounts to fraud and violation of federal law, and I see no reasonable option but to seek legal council instead since the dispute process seems unlikely to yield any response.

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 2021-08-31
Company: EQUIFAX, INC.
State: FL
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 did not authorize this company to pull my credit. I have asked XXXX XXXX and XXXX  to remove this credit pull but they are unresponsive. XXXX  also refuses to provide me a copy of their detailed investigation which is illegal. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase bank closed my Chase Sapphire credit card citing that there were too many disputes opened on the account. Disputing charges is a statutory right of consumers under Fair Credit Billing Act ( FCBA ), which is protected by Equal Credit Opportunity Act. Even though Chase claims that they are able to close any account due to no particular reason based on their credit card agreement, they are still obliged to comply with the FCBA. 

Equal Credit Opportunity Act prohibits issuers to take any actions against consumers when the consumers exercises the rights in good faith. All of the disputes were opened in good faith and are valid, however Chase bank didn't even give me an opportunity to present the necessary evidence as it is related to the disputes in order to validate them. When such requests for evidence were made by Chase bank in prior disputes, I always made sure to provide the requested information. 

Since Chase bank chose to close my account without giving me an opportunity to demonstrate that I had exercised my statutory right to dispute charges on my account in good faith they are in direct violation of my rights as a consumer under the Equal Credit Opportunity Act and the Fair Credit Billing Act and should reinstate my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: CCS Financial Services, Inc.
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX Insurance has put a charge on my credit for a debt that I do not owe. I called them before to ask for a quote before but i have not had insurance thru them. When I call to try to get info for them to verify this debt that i suppose to owe, they suppose to mail me something and I have n't seen anything yet but they reported it on my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card
Issue: Billing disputes

Complaint:
I am a victim of identity theft and I lost my Capital One Bank XXXX and someone used my credit card and made over {$1300.00} in fraudulent charges that Capital One Bank is trying to hold me responsible for the fraudulent charges. I do not owe for this debt. The charges are not my charges. A representative called me from Capital One Bank and verbally abused me by swearing at me, telling me the fraudulent charges was made by me and threaten me with arrest and legal action. Capital One Bank is in violation of the Minnesota Debt Collection Laws and the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Why does it seem like getting Equifax to actual perform an investigation is like an act of god? 

I do n't understand. This is the 4th time I 'm sending them a letter requesting them to investigate. It 's almost like they are n't even reading my certified letters. 

They have not provided me with an updated Credit Report as well and again, refuse to investigate. Why? 

I need someone to please take an interest. I do not wish to file a lawsuit. 

Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I found out the company is owned by XXXX at XXXX XXXX, OR XXXX and that is who filed the complaint with Equifax. I just double checked with the leasing office that I applied to that received this fraudulent information from the credit report from Equifax telling me that it was the last apartment I lived at and gave me the property name of XXXX that was on the credit report. This company runs XXXX and XXXX my Account ending in XXXX. I will attach my ID that has nothing to do with the address where I use to live, but I hope it helps. I can also attach a photo of the first page of the first year lease. Also it 's {$650.00} that is listed that I owe on the credit report - my rent was {$680.00} - they had me moved once and possible are confusing me with someone else 's old lease - they actually owe me money, security deposit - {$150.00} - possibly being accused by two roommates whom verbally and physically assaulted me continuously accusing me of not paying the electric bill ( verbal abuser replaced her lease to a physical abuser ) They felt I was solely responsible for the electric bill ( which all my payments are noted on EWEB for my share or I have a receipt for the much earlier ones to this of the physically delivered payments to the verbally abusive roommate whose name was on the bill. Being XXXX, it appeared the office was abusively discriminating me to this constantly trying to run me out. I have video on Instagram to the physical abuse and living conditions to this as well as emails from XXXX ignoring my cries and even trying to throw me out to previous cries before moving me to this different room when I was getting seriously ill from smells of heavy drug use which I reported to campus police.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax at every turns fails to provided accurate information on there credit file when we called XXXX they failed to give the correct information instead Equifax provided them with the information Equifax considers a screen shot that the have my name and information as they have the verified the information even though they are aware that there is fraud on my file I have provided them with as much information as I can and it is still not enough they just open a new dispute and refuse to remove the information unless it removed by the company that is paying them. they tell me to upload the information for a dispute but I can not do that and when I was able to they some how lost it. Equifax has the information via CFPB to remove this account there is not more verifying needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: EQUIFAX, 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:
Equifax is reporting the following 5 fraudulent accounts that are result of identity theft : 1. XXXX XXXX ( Opened XXXX, Balance {$10000.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX, Balance {$1600.00} ), XXXX XXXX XXXXXXXX XXXX Opened XXXX, Balance {$900.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX, Balance {$100.00} ), XXXX XXXX XXXX ( Opened XXXX, Balance {$2300.00} ). To this day Equifax have not respond to my disputes. Attached are the last 2 disputes I sent them about this fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW.

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 2021-11-17
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax 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 Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a {$50.00} payment to AAdvantage Citicard on XXXX XXXX. The payment was done electronic through my online banking account with XXXX XXXX XXXX. In XX/XX/XXXX I noticed that the payment was not applied to the credit card. When I called claiming why my payment was not applied, they said that they didn't receive it, after I explained to them how I sent the payment they gave me temporary a credit of the {$50.00} until they investigated. In XX/XX/XXXX they sent me a letter requesting more information for them to identify the payment as a copy of my XXXX Statement showing how the payment was done. 

I did send the copy of the statement as requested. I wait for a few weeks and I called back. Customer service transferred me to the dispute billing department and the manager of that department told me that the investigation was closed and they had reverse the temporary credit because the information I sent was not enough. when they asked me to send the copy of the statement. The payment was done electronic and there was nothing else to show. Since then I have been calling and speaking to different representatives promising that they will open the investigation again but nothing it has been done. 4 months already. 
Last Friday XX/XX/2018 about XXXX XXXX  I spoke to XXXX from customer service XXXX Florida she refused to give the last name, she told me that she was the supervisor and she was going to send the request to billing department to re-open the investigation. that was a lie.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: PORTFOLIO RECOVERY ASSOCIATES 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 have been writing Portfolio Recovery Assoc., for over 2yrs regarding a CC from XXXX XXXX that is not mine. I have also written the 3 credit bureaus, the Dept of Justice and the Attorney General with, *Identity & Fraud reports, *Copies of my personal DL # & SS Card proving the information they have listed is not mine.

*And a letter from XXXX XXXX themselves stating the account was fraudulent.

Now, PRA has sent a letter stating the account info they purchased from XXXX XXXX has a different account number than the account number listed on the my letter from XXXX XXXX. They are stating that they have stopped all collection attempts while they do their own investigation but I am requesting that this information is removed immediately with the proof that I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Hello, I believe that my XXXX Brother, XXXX XXXX 's information is being reported on my account. My Social ends in XXXX while HIS social ends in XXXX. I have tried to dispute all the below with the companies but with no prevail or call back. 

Starting with the inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX- Did not apply for an autoloan at that time. 
XXXX XXXX XX/XX/XXXX- Same day as before, did not apply for autoloan XXXX XXXX XXXX   XXXX= XX/XX/XXXX Did not apply for autoloan XXXX - Did not apply for auto loan XXXX XX/XX/XXXX - Already have services ( est XXXX ), did not apply XXXX XXXX- XX/XX/XXXX Did not apply for auto loan XXXX XX/XX/XXXX- Did not apply for autoloan XXXX XXXX XXXX  XXXX XX/XX/XXXX- did not apply for auto loan XXXX- XX/XX/XXXX- Did not apply for auto loan All these are showing on all 3 of my reports. I have had issues in the past with my XXXX brothers items winding up on my report. All these are do NOT belong to me and I am unsure if they belong to him. I have fozen my credit as I believe there might be fraud involved.

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