BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Under the Fair Credit Reporting Act I am entitled to dispute information that I find to not be accurate - especially information that is lowering my credit score and thus putting a financial burden on me. I am a victim of identity theft. I have previously discussed this identity theft with XXXX Equifax and XXXX. I disputed the information that resulted due to the identity theft with all XXXX credit reporting agencies and Equifax is the only XXXX of the XXXX that gave me any issues. Equifax recently responded to my dispute regarding inquires telling me that they were a fact and that I would have to address each individual inquiry with the company that inquired. Several of the companies did not respond and I later was told by XXXX of the companies that it is Equifax 's duty under the FCRA to dispute everything, including inquiries if I provide them with documentation of the identity theft which I have done NUMEROUS times. I have attached a letter from XXXX detailing my identity theft which includes a number for Equifax to call should they have any questions as well as photo ID and proof of residency. The inquiries are : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Telephone Companies XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Banks XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Telephone Companies 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 Miscellaneous XXXX XXXX XXXX, XXXX XXXX XXXX All Banks 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 Credit Unions XXXX XXXX XXXX, XXXX XXXX XXXX Mail Order Firms XXXX XXXX BANK XXXX XXXX, XXXX XXXX XXXX XXXX Banks XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Credit Card XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: TRANSWORLD SYSTEMS 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX not able to close the dispute with XXXX XXXX XXXX, I stayed in XXXX XXXX XXXX  ( XXXX XXXX XXXX ), during move out as per contractual agreement and final settlement I paid all the dues. 

After a year, Collection Agency came to me stating that there is some due around {$59.00} with XXXX XXXX as they forgot to add 1 day extra rent in my final settlement. 

I never get any communication regarding that due amount nither from XXXX XXXX via email/Mail/phone nor from Collecttion agency for almost a year. 

I disputed my claim with Collection Agency stating its invalid as I had my final settlement letter along with me. 

Also after a year XXXX XXXX cant come back with new new chargers. 

I submitted all the evidences to the Collection Agency, still they are not able to resolve. 



Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
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: Information belongs to someone else

Complaint:
I was applying to rent a car today XX/XX/19 and when they ran my credit they told me that I was unable to rent with their company because I did not meet the credit requirements. I was confused so they let look through my credit report and I found several inquiries as well as accounts on my report that I never opened. None of those accounts or inquiries belong to me nor did I give anyone permission to open those accounts or make those inquiries with my personal information. I filed a police report regarding these items as soon as I got the chance ; I never benefitted anything from these accounts/inquiries that were opened in my name without my authorization nor do I have any relationship with any of the companies I listed. I did not take part in any payments, purchases or transactions involving any of these accounts.

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 2022-09-08
Company: Fidelity National Information Services, Inc. (FNIS)
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:
All of the major credit reporting agencies give me an excellent credit score well above 800. Yet, ChexSystems has reported my score as XXXX. This score has slandered me, characterizing me as a credit risk, and causing banks to deny my application for accounts. 

I spoke with representatives of ChexSystems and they indicated that the two reasons for their scoring was as follows : 1. The recent number of new accounts that I have applied for ; and 2. The fact that some banks making an inquiry had no prior history with me. 

Dealing with the second reason first, it should be noted that all of the banks that made an inquiry were banks that applied as a new customer for my initial account. Of course those banks have no history with me, that's why I am a " new '' customer. I explained that to a ChexSystems representative and he acknowledged that it would be silly to damage my credit rating because a bank inquires about a new customer that it has no prior relationship with. 

As mentioned, ChexSystems also downgraded my credit score because I recently applied for a few new accounts. In todays financial environment, that is a serious problem with widespread consequences. I, like many other people, am struggling to keep up with rising costs and expenses. The simplest way to alleviate the effects of inflation is to invest any available funds at the highest interest available. Interest rates are rising quickly and banks are competing for customers. That gives consumers like myself the opportunity to open new accounts, establish new banking relationships, and take advantage of higher interest rates. 

And that is exactly what I did. I opened several new accounts to take advantage of the higher interest rates being offered. I explained this to ChexSystems. I told them that my score with the other credit agencies like XXXX was well above XXXX. I have no debt. All my credit cards are current. I never bounced a check. I never closed a bank account with a debit balance. ChexSystems replied that the number of new accounts, when plugged into their credit scoring algorithm, gave rise to a score of XXXX. That score connotes that I am a credit risk and is slanderous to my credit profile. 

I want ChexSystems to change their scoring so as to accurately reflect my credit profile.

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 2016-08-20
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Since XXXX I have been dealing with citimortgage on modifying my mortgage through a program named naca. Since the time this has the company that citi was originally dealt with has lost my paperwork, changed representatives, and made me start the process over multiple times and asking for the same paperwork over and over that already existed within their system. I have suffered illness in the process and still was able to show income, promoted to a new job and salary and still declined. I was advised not to send a payment to citi at the time this all begun as I was told that they would decline the payment until the modification has been approved. Here I am now 6 years later, and citi wants a reinstatement payment of {$80000.00} or my house goes up for sale XXXX XXXX, XXXX. I have been given the run around from citi in more than one way and have been through the steps providing them with everything they have asked. I have emails from XX/XX/XXXX with my contact with all representatives, and the citi rep say she sees in her system that I have been trying to have a modification done since XX/XX/XXXX. With every decline my amount down goes up and the ability to start paying declined. Now they want {$80000.00}. I am a working father, married with XX/XX/XXXX kids and they are forcing me out of my home. I have saved money through all of my hardships and even while having my check garnished and tax returns taken I still have money to cover our mortgage payments for a entire year without touching my biweekly check. Somewhere something was n't done to help us, but through continuous restarting, re-requesting the same paperwork, and changing representatives we have gotten the raw end of this deal and will not become another foreclosure statistic.

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 2015-10-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I sent in all my personal information to equifax with proof of who I was and address and they have n't sent me my credit report so I can see what 's on my credit. I put a fraud alert out too cause some of the dealership was letting me know some thing that was listed on my report when they check my credit. I told them that someone had been using my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Late fee

Complaint:
I have closed my account with Macy 's for a credit card multiple times ( most recently in XXXX 2015 ) and I have received new statements with late balances. I closed the card due to the inappropriate application of fees and late fees. Now, with the account closed with a XXXX balance four months ago, I receive a new statement saying I owe {$8.00}.

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 monetary relief
Consumer complaint received 2015-07-09
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus mortgage asked for proof of flood insurance. Sent it as requested but kept getting letters saying they did not receive it.Ending up sending it XXXX times and following up with a phone call. Finally they acknowledged they received it. then a month later they took money out of escrow to purchase flood insurance that i already proved I had.Numerous calls to resolve this have resulted in being put on hold forever, being told they would investigate and call me back which they never do, or saying its been fixed which it has n't I am on a fixed income and need the money back in escrow to pay taxes which are due in a few months. They are causing a severe emotional and financial harddship over such a simple thing

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: EQUIFAX, INC.
State: MA
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 an account with XXXX XXXX XXXX for XXXX with XXXX XXXX. This account is closed and is showing open on my credit report. The account also is showing incorrect charges. Ive tried to handle the issue with XXXX XXXX because they kept charging me when I no longer had the phone and was no longer a customer with this company. Ive requested for the incorrect information to be removed. This account was removed already and has reappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Big Picture Loans, LLC
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I applied to receive a loan from Big Picture Loans.com XX/XX/2017. The loan was approved for {$550.00} and the funds were deposited in my bank account on XX/XX/2017.The agent stated if the loan payment is made 3-4 days prior to the due date, no finance charges would apply. I contacted the company on XX/XX/2017 to repay the full loan amount of {$550.00}. At this time the agent stated it could not be done due to the over {$200.00} finance fees. I requestd to speak to a supervisor and was transferred to XXXX # XXXX who stated I needed to cancel the loan within 2 days or repay the loan by XX/XX/2017. The loan agreement does not state to pay by XX/XX/2017 in order to avoid finance fees. I only used this {$550.00} less than 30 days and impossible to cancel within a 2 day period when that option was not clarified. Plus the effective date of XX/XX/2017 was for funds could be received prior to this date has nothing to do with repayment by XXXX. Had I had been thoroughly made aware of BiqPictureloans, com interpretation of the loan agreement versus what I understood it to mean, I would not have accepted this loan of {$550.00}. I believe this company is deceitful and predatory. I want to repay the loan amount I received and nothing more on XX/XX/2017 and have the loan closed out. I want to report this company to your department that is attaching a 559 % annual to their loans. Please forbid this company from doing business in Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
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 status incorrect

Complaint:
In XXXX  my Vehicle was impounded. The creditor was informed that I could not afford to get vehicle out of impound. Im not sure what happened to vehicle after this. There was no letter sent stating car was auctioned or a decrease in money owed on credit report. Its been XXXX years since having the vehicle in my possession. 
XXXX XXXX still reports the original balance and report late payment every month

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 2020-03-31
Company: ID Analytics, 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: Personal information incorrect

Complaint:
Signing up for XXXX service at new home. They use SageStream , LLC which produced a letter noting a very low credit score, an incorrect spelling of my name and asked for a non-refundable deposit. 

I followed the " dispute '' details and faxed a copy of my drivers license. 

When contacting XXXX - no record of account nor details on this firm were noted. 

Now I am paranoid regarding a scam, infuriated regarding a credit scoring system not matching the ratings from the " big three '', and mad regarding a request for a non-refundable deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I previously filed a CFPB complaint against PHH on XX/XX/XXXX because they were refusing to provide me information regarding my loan and also because they were refusing to provide me with a repayment plan to bring my loan current. While I am a signatory on the promissory note and mortgage, PHH refused to discuss the account with me citing that I was merely an " alternate contact '' on the account rather than a borrower. Because they did not deem me a borrower they refused to review me for any loss mitigation options. PHH responded to the CFPB complaint, the matter was only partially resolved. Any resolution at all was due to their counsel 's actions and not PHH itself. 

Despite the fact that PHH was refusing to discuss any loan details of my account with me, their foreclosure attorney eventually provided my attorney with a repayment plan agreement in my name which I executed and returned as directed on XX/XX/XXXX. I have since made XXXX payments under the repayment plan which have been received and processed by PHH. 

On XX/XX/XXXX my attorney and I placed a call to PHH to ensure I would now have access to my account. During the call, I was again advised that I was not a borrower on the account, but merely an " alternate contact '' and PHH also told me they did not even have a copy of the promissory note which I signed in XXXX. My attorney told them that was impossible since the note and mortgage are both attached to the XXXX Foreclosure Complaint. Still, PHH required my attorney to email them a copy of the note and mortgage while we were on the call. After waiting nearly an hour, PHH finally stated they never received the email. My attorney send the documents again. PHH told us to call back in a week to see whether they were received. PHH also asked me to send them any emails I had with their attorney finding that I am a borrower. 

At this point, I have signed the promissory note and the mortgage, along with the Certificate of Occupancy and the Repayment Plan ( which are both in my name ). PHH needs to immediately grant me account access and ensure that I have borrower status in their account along with all of the rights and responsibilities that come with being a borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EAST WEST BANK
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a response to my original complaint against EastWest bank. I contacted XXXX XXXX XXXX at the email he provided me. I emailed the fraudulent wire transfer transaction XXXX XXXX/EastWest couldn't find. I did NOT receive any communication back from XXXX XXXX. 

I finally have a point of contact with XXXX executive office/wire transfer fraud department . They issued a recall of this wire transfer on XX/XX/2022 no response from East/West Bank XXXX XXXX executive office XXXX XXXX The fraudulent wire transfers were made minutes apart from the same routing number at EastWest bank XXXX XXXX I did receive one of the recalled wire transfers back. To date still have NOT received the {$19000.00} made by a XXXX XXXX I am attaching email and the wire transfer transaction detailed information... again. 

I am obviously doing this whole investigation mostly alone, as both involved banks have yet to be able to resolve. 
Have either of these wire transfer frauds/parties been employed by EastWest bank ? ? At this point I have lost faith that either bank and their so called " fraud protection '' of their consumers is a joke.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
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: Account information incorrect

Complaint:
Paid a few to   XXXX   XXXX   XXXX   that told me my payments would resolve my student loan debt and close accounts. After paying for months the accounts appeared closed on my credit report. However recently the accounts are back open and delinquent. And the departure of education took my tax return as payment.

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 2020-03-31
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XXXX grad aiu Father passed military XXXX Loans should have cancelled out Parent name XXXX XXXX XXXX XXXX XXXX XXXX XXXX was changed to mines Sister XXXX XXXX made POA didnt pay balance of XXXX XXXX just in case loans didnt cancel XXXX/ higher interest consolidation 9 % To 10 % /filed ch XXXX XX/XX/XXXX Inc loans still exist / work for non Profit Govt still exist Covid19 no interest should be added ** COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Student loan ISSUE anyone else. 

( XXXX ) XXXX consumerfinance.gov Learn about our complaint process Need legal assistance? 

United States Flag - mini An official email of the United States government

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On behalf of the XXXX XXXX+ customers who had their personal information exposed as a result of vulnerabilities within Scottrade 's security systems, I kindly would like to inquire : Why did Scottrade ignore the following warnings about inadequate security systems? 

The various police/tracking numbers include : IC3 Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX 's failure to appropriately investigate the above referenced complaints and law enforcement reports lead to the exposure of personal information of XXXX of customers. 

I am requesting that the CFPB publish this complaint on consumerfinance.gov so that others can lean from my experience. I respectfully request, that XXXX also provide a public response.

Company response to consumer: Closed
Consumer complaint received 2016-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX account number XXXX for XXXX I called them billing at XXXX XXXX XXXX they dont have a billing for me but for some reason they are showing on my credit report of {$50.00} im asking this be removed from my credit and send the report to XXXXXXXXXXXX thank you XXXX XXXX XXXX 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 explanation