BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-19
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The judgments that are showing on my credit report, were entered by third party and not by XXXX XXXX nor the Court, this third party reporting is against the law and has created an negative impact on my credit score. And is stopping me from succeeding with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I was viewing my XXXX XXXX report and noticed that there were XXXX inquires from XXXX. I contacted them and they referred me to Equifax and Equifax refused to dispute. They redirected me back to XXXX. I am entitled to dispute fraudulent inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: John C. Heath, Attorney at Law, PLLC
State: MD
Product: Other financial service
Sub-product: Credit repair
Issue: Fraud or scam

Complaint:
I am highly dissatisfied with Lexington law firms credit repair services, the advertisement states the there is no up front fee, and guarantees your credit will be repaired in 30 days. I have been a client of this company for over a year and have seen no improvement in my credit. I was charged {$99.00} a month for this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: JPMORGAN CHASE & CO.
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I am not certain that you are the correct contact or if you could assist me in finding the correct department. 

I have a {$5700.00} check that I just found un cashed in a file. The check was issued by XXXX Chase Bank which is now Chase. I have sent the bank copies of the check and have spoken to several departments and they ultimately told me to check unclaimed property in Georgia and if the funds were not there they could not help me. I was told that they do not have to re issue stale checks or honor them, and also the records from 10 years ago were no longer available. 

These funds were not in unclaimed property, but as I understand it XXXX Chase or Chase would have been responsible to deliver the funds to the Georgia Treasury after three years. And their non compliance with this rule could result in fines for Chase. I simply do not know where to begin. 

The house which was re financed is in XXXX, GA, my husband and I are still married and live in this house. I even went through my bank statements to look for having possibly deposited the funds in some other manner. I actually did not have all statements, but of the ones during this time frame which I do have do not indicate that this was the case. 

Honestly, it would seem that the burden of proof is on Chase, as I clearly am in possession of an un cashed check. 

Ten years ago was the big bank merger and acquisition time, and too big to fail was on everyone 's lips, but I feel strongly that although the error was my own I would still be due the funds. They certainly have the records somewhere. 

Please let me know if you are the correct contact, or to whom I might speak about nicely getting Chase to comply. Also, thank you in advance for your assistance. 

Sincerely, XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Every month Wells Fargo Home Mortgage increase their number of calls to me From about the XXXX of month. Grace period is to the XXXX. I always pay before the XXXX. 
It will start on the XXXX with XXXX to XXXX calls and then by the XXXX XXXX it is up to XXXX to XXXX. I kn ow I have to pay the mortgage. 
Also they will not work with me on my 8.8 % interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
NC Financial Solutions of Utah, LLC d/b/a NetCredit ( hereafter " NetCredit '' ) is loaning money to consumers in XXXX and charging an annual interest rate of 150 percent. XXXX. Code Ann sec 6.2-1501 ( A ) requires consumer finance companies charging a rate of interest in excess of 12 percent to first obtain a license from the XXXX State Corporation Commission . NetCredit is not licensed as a consumer finance company by the XXXX SCC. 

When questioned about the above, NetCredit claims that their XXXX license authorizes it to make loans to XXXX residents. ( 1 ) Utah does not even license this kind of business. Businesses are merely required to give notice if they are conducting this kind of business in XXXX. ( 2 ) NetCredit is a XXXX, LLC with its offices in XXXX and, as near as I can tell, no physical locations in Utah ; and ( 3 ) XXXX absolutely has the right to statutorily regulate loans made to its residents. 

XXXX Code Ann Sec . 6.2-1541 provides that loans made in violation off sec. 6.2-1501 are void and NetCredit is obligated to return all principal, interest and fees paid by me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed bankruptcy a few years back and when I did my lawyer didn'treaffirm my mortgage. I never knew this until I tried to refinance. 
Things changed in my life and I could no longer afford XXXX amonth. I have asked over and over with my mortgage company tohelp me to just lower the payments. I do not want to loose my housebut I am now a month behind on my payments. With the mortgagenot being reaffirmed, none of my payments show on my credit. I'mnot trying to get out of paying I just need lower payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX is on my Transunion report unauthorized use of name and account unknown I want verification of debt and I want original proof provided

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 2017-02-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I cashed a check from a friend against my business account. About 1 month after I get a notice that the check had been returned and charged back the amount plus a fee. I contacted my friend and she got with XXXX XXXX XXXX and they supplied her with the documentation proving they had infact cleared the check. I have been going back and forth between my bank, Chase and her bank, XXXX XXXX XXXX and I am getting the run around and I am fed up!! I spent 4 hours on a XXXX way call on XXXX XXXX with XXXX XXXX XXXX and Chase and the lady from Chase basically said it looked like it was a mistake on Chase 's part. To this day I have yet to get my {$230.00} from anyone nor can I get an answer!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
My husband 's company did not give him his paycheck on time. As a result, XXXX Residences, filed and eviction notice on XXXX XXXX. My husband filed for bankruptcy on XXXX XXXX, XXXX. Instead of trying to stay in our leased apartment in which we had two months remaining, we decided to move. On XXXX XXXX, XXXX, while still in bankruptcy, my husband received a collection notice from XXXX XXXX XXXX XXXX XXXX had previously received notice that my husband was in bankruptcy ). On XXXX XXXX, XXXX, XXXX reported a collection account on my credit report without sending me notice that they were collecting a debt, and did not allow me the opportunity to dispute it. I wrote XXXX and Equifax on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX regarding this debt, asking for verification but they would not respond to me. I provided proof XXXX and they have deleted XXXX from my credit report. On XXXX XXXX, XXXX, Equifax changed XXXX 's credit reporting from XXXX/XXXX/XXXX to XXXX. I have enclosed a copy of XXXX prior credit reporting from XXXX to demonstrate that the credit reporting was XXXX/XXXX/XXXX and not XXXX. Even after I had provided Equifax with proof, they still did not investigate my dispute thoroughly and willfully updated my credit report with erroneous information that damaged my reputation and caused me great financial harm XXXX job loss ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My Equifax credit report information is intermixed with some one else 's. I sent XXXX Certified letters to Equifax that they have received, seeking corrections to my credit report. They sent computer generated response seeking information that I felt uncomfortable sending through the mail. The letters gave enough information to contact me directly, which they have not done. The information on the credit report is so wrong and interspersed with some one else 's information that direct contact is the best way to resolve the errors. 

I have been in contact with the other person through information on the credit report and he is also trying to correct the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Section 8 Housing denial and I have 10 days to appeal. If I ca n't view or get my XXXX credit reports, how the XXXX am I expected to file a complaint?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-11
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I received a written letter from XXXX XXXX XXXX XXXX XXXX regarding an account with XXXX. The written letter offered the option to call XXXX XXXX XXXX XXXX XXXX which would allow me to pay my account in full. On XXXX XXXX, 2016, I paid {$140.00} on the phone on which was withdrawn from my bank account ( please see attached bank statement ). I was told I would receive a letter confirming payment in full within 5 days. I have not received the letter confirming payment and the account is still reporting on my Equifax Credit Report as OPEN and UNPAID ( please see attached Credit Report excerpt ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The XXXX account listed on my credit report shows as past due for XXXX payments of {$9800.00} ( credit report excerpt attached ). This account is current and no delinquency exists. Even XXXX 's company on-line information ( attached to this complaint ) shows my account as current and I 'm told updated information should be on my credit report showing the account is current with no late payments. This account needs to be corrected asap as I am trying to purchase a car and I ca n't get financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
I filed several times before complaints against " XXXX '', " XXXX '', " Equifax '', " XXXX '', because ; 1 ) They refused to send me my " Free Annual Credit Report '' claiming that they ca n't match my personal info, but at the next page of their website they offer me my Credit report for a Fee {$7.00} ; 2 ) They refused to investigate Frivolous items in my Credit Report. Obviously CFPB did n't took any action against them so " XXXX '', " XXXX '', " Equifax '' decided to take a Revenge against me by Re-age on XX/XX/XXXX a 2006 deleted Frivolous item, XXXX XXXX XXXX account # XXXX amount {$9700.00} which reduced my SCORE by XXXX points. Also " XXXX '' because they refused to investigate and delete XXXX Frivolous Bank claims ; a ) XXXX XXXX account # XXXX i closed it on XX/XX/XXXX, b ) XXXX account # XXXX i closed it on XX/XX/XXXX, both had XXXX balance at the time of closing them. As a result i ca n't open a new checking account with any Bank. My question to CFPB is why Proven Fraudulent Companies like them are allowed to Terrorize and creating problems to consumers in many different ways with Immunity ; Is it because they are allowed to do business by Bribing Politicians or because Corporations are Governing America???

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
All XXXX credit reporting companies simply used the bogus information sent from the reporting companies as verification despite different social security numbers, addresses, and date of births. The " investigation '' process requires little to almost no proof that the actual person affected is the actual owner of the items in question. Simply providing the credit reporting agency a name and maybe an application should not be enough to continue reporting the information. Additionally, once police reports and affidavits are submitted to refute those claims, the credit reporting agencies still refuses to remove items that are not yours. Example : I am a teacher who makes {$38000.00} per year. Yet there are XXXX vehicles that were financed under my name within a 3 month period in the year 2014. XXXX were brand new cars and XXXX used. That should have thrown up red flags. Also there were over XXXX addresses and XXXX variations of my social security number used. The credit reporting agencies seem clueless as to the identity theft crimes that are sweeping this country.

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 2017-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Multiple wrong address information..on my XXXX, Trans Union and XXXX credit files 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 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, 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 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, 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 non-monetary relief
Consumer complaint received 2017-03-24
Company: Ad Astra Recovery Services Inc
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This company has XXXX reports on my credit for internet loans of which I have no knowledge from another company. I have disputed more than once and they will not change nor provide any signed contract. I have been working on my credit and this I the main thing holding me back and I do n't now what to do next to take care of it. 



AD ASTRA REC XXXX XXXX XXXX TX XXXX XXXX, XXXX Closed {$1200.00} Account Details Last Reported XXXX XXXX, XXXX XXXX XXXX AD ASTRA REC Original Creditor XXXX XXXX XXXX TX Status XXXX Opened Date XXXX XXXX, XXXX Closed Date -- XXXX {$1200.00} High Balance {$1200.00} Remarks XXXX Item Results Result : XXXX, XXXX XXXX XXXX XXXX. 
Dispute Reason Ownership : XXXX. 
AD ASTRA RECOVERY SERVICES XXXX XXXX XXXX TX XXXX XXXX, XXXX Closed {$0.00} Account Details Last Reported XXXX XXXX, XXXX Collection Agency AD ASTRA RECOVERY SERVICES Original Creditor XXXX XXXX TX Status Closed Opened Date XXXX XXXX, XXXX Closed Date -- XXXX. 
Balance {$0.00} High Balance {$650.00} Remarks XXXX See something wrong? 
You could dispute an error with XXXX. 
Manage Your Collections Accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I requested my annual free credit report from TransUnion but they refused the request because there is an open dispute. Is that within the regulations?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21
Company: ALLY FINANCIAL INC.
State: GA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
Lease is up on vehicle, I inquired about purchase option with Ally Financial. They are not recognizing the purchase option amount in my contract ( equal to residual, with no fee for purchase option ). The amount they quoted was 2,500 higher than the residual value stated on my contract.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hello, I have received numerous calls from the Sallie Mae student loan company for a loan I do not have. 

I have no student loans. 

Since XXXX, they have called me weekly, sometimes more, to collect from someone named XXXX XXXX. I have no idea who this person is. 

On XX/XX/22, I called and spoke to an employee named XXXX, employee number XXXX. She told me she would take care of it. She did not ; I received more calls. 

On XX/XX/22, I called again and spoke to an employee named XXXX XXXX. She too said they would fix the problem. As of Monday, I am still receiving calls from Sallie Mae. 

Thanks so much, XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian credit keeps reporting 30 days late on key bank account, is not 30 days late the years XXXX, XXXX XXXX never 30 days late, they are falsely reporting late I have sent them banks payment history shows never 30 days late Some months late BUT NOT 30 days late See attached XXXX history under the " Days '' column Never 30 days late See attached XXXX & Experian XXXX late months they are different Experian shows all months late in XXXX, and XXXX shows 3 months late they are both wrong, never 30 days late 30 days late means after 30 days late you report not before.

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 2022-10-02
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 recently looked at my credit report XXXX notice that there was incorrect info reporting. Two companies by the name of XXXX XXXX reporting as collocations account. Neither of these accounts belong to me. I reached out XXXX XXXX and they were not able to locate my info in there system with name and social security number. I sent letter to XXXX and Equifax explaining this!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: DISCOVER BANK
State: GA
Product: Credit card
Issue: Other fee

Complaint:
My Discover credit card account was charged {$1.00} for XXXX XXXX insurance that I did not ask for. I called Discover to have them remove the charge but they said they could n't since it was a third party vendor. The vendor would have to remove the charge. I then just told them I wanted to dispute the charge and again they said they could n't do that. They said I would have to contact the company during their business hours to take care of it. I did n't ask for it to start with. Why am I having to spend time I will never get back trying to deal with this?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-26
Company: BB&T CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Reporting Inaccurate information on XXXX Credit Report. 
Regional Acceptance account is reporting inaccurate information on my XXXX credit report. They have on my XXXX report that the Open date was on XX/XX/XXXX. But on the payment history there are no payments reported from XX/XX/XXXX to XX/XX/XXXX. I have disputed this with XXXX and every time they say this information is accurate. How can i have a car loan with Regional since XX/XX/XXXX but the car payments i made to them are blank from XX/XX/XXXX to XX/XX/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
Consumer complaint received 2015-12-28
Company: BB&T CORPORATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My first home mortgage from BB & T bank was a short sale transaction. The bank accepted less then the mortgage. I signed the XXXX form in XXXX of 2014 selling the home to another individual. BB & T bank then reported the loan delinquent 180+ days for the next 20 months. I have tried to dispute this information XXXX in which I have included the lawyer signed documents showing the home was sold in XXXX of 2014. XXXX has not taken proper actions to fix my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation