BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-09
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have been trying to clean my credit report up. I have XXXX things on my report that are over 7 yrs old and XXXX deleted the main XXXX. On my report DHS CS has put my child support on XXXX. I disputed it and it should be removed because its over 7 yrs old. But they allowed XXXX to change the date and make it a XXXX date open which makes no sense. I also found out by National collections that in XXXXthat they notified all XXXX major credit agencies that fines and arrest warrants were to be taken off. They are still on there and there 's more that that. XXXX is now adding inquiries on my report from XXXX. An investigation by your office should be done by ur office. Also, on my reports is a school loan from XXXX and that is over 7 yrs old and should be removed as well. When I asked the lady at XXXX if they verified information put on the report her answer was " we have no way of knowing if the information is valid or not. '' I have XXXX items knocked off and XXXX more ready to be knocked of and XXXX, XXXX reports that should be. Now they are adding inquiries that were not on there before? There are also many inquiries not initiated approved by me and they refuse to take them off. Please investigate my credit with all XXXX major credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have put a 90 day credit fraud alert on my file, but I also want to dispute the things that I saw and I do n't know how to do that. I tried to get my Free Annual Credit Report this morning and it asked me security questions about a mortgage I supposedly took out in XXXX, I could n't answer those questions because I NEVER had a mortgage before. It also asked about a retail card i took out THIS YEAR, NEVER had a retail card before. The second time I tried to get my FACR it asked me security questions about an auto loan in XXXX, I JUST GOT MY LICENSE YESTERDAY. I have NEVER had a car nor have I ever took out a loan for XXXX. It also asked about an installment loan, could n't answer that either because I have NEVER taken out a loan before. I want to fix this issue as soon as possible, but I do n't know where to start. PLEASE HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I obtained a copy of all XXXX credit bureau reports and found that I had several inquiries that did not belong to me or that I did not authorize. I requested that all XXXX bureaus remove these inquiries but they indicated to me that I needed to reach out to the creditors that requested the inquiry and have them remove it from my report. I did contact each creditor who are now telling me that they legally pulled the inquiry but ca n't provide me with any signature showing that I approved the pull. I went back to the credit bureaus but they still will not remove the incorrect credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: STERLING JEWELERS, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
For several months now, I 've been getting daily calls from Sterling Jewelers/Kay Jewelers. There are multiple Business names under the parent company. The initial calls were a script message to a person that does not, nor ever has lived at or resided in my home. The message gives an XXXX number for the non-resident they are attempting to reach. The calls originate from various phone numbers across the country. I 've researched a number of them and they all seem to originate from XXXX of the many jewelers stores under the parent Sterling Jewelers. On a few occasions, I returned the call by calling back to the number on " caller ID ''. I explained that these nuisance calls were intended for someone that DOES NOT live and has NEVER lived at my address. I explained that they definitely have the wrong number and must stop these nuisance calls. On all such occasions, they told me that they are recording my information and would remove my phone number from any future calls for credit collection. To this day, I still get daily calls from these people. 

I 've been keeping track of the phone numbers that these collection calls originate from and I have compiled a list of XXXX different phone numbers that they have used in making calls to my home.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-11-19
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Hi, The Phoenix Recovery Group called me on my cell phone XXXX today XXXX at XXXX XXXX trying to collect a debt. 

This debt is past the statute of limitations within the state of Texas. The account became in debt in 2007 for an apartment called XXXX XXXX The Phoenix Recovery Group continues to call me and try to collect on this account that is past the statute of limitations. I 'm seeking that the Phoenix Recover Group stop all efforts to collect a debt that is past the statute of limitation. Additionally, I 'm seeking the Phoenix Recover group remove any negative reporting information they have supplied to public reporting agencies and credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08
Company: Experian Information Solutions Inc.
State: OK
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:
XXXX XXXX XXXX  as reported to the CRA an account that does not belong to me! XXXX and Experian is reporting false information. I demand this account be removed off my consumer report IMMEDIATELY!!! I have attached my consumer 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 2021-05-18
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 NOTICED FRAUDULENT INCORRECT AND QUESTIONABLE ACCOUNT ON MY CREDIT REPORT. THIS ILLEGAL ACCOUNT IS NEGATIVELY AFFECTING MY CREDIT REPORT AND HINDERING ME FROM BEING ABLE TO OBTAIN NEW CREDIT. I HAVE CONTACTED EACH BUREAU AABOUT THESE ACCOUNTS NUMEROUS TIMES AND THEY HAVE FAILED TO PROPERLY INVESTIGATE AND REMOVE THIS ACCOUNT. THEY USE DIFFERENT STALL TACTICS TO AVOID MY DISPUTES. I DEMAND THESE ACCOUNTS DELETED FROM MY CREDIT REPORTS IMMEDIATELY. IF THESE BUREAUS XXXX EQUIFAX AND XXXX CONTINUES TO VIOLATE MY RIGHTS I WILL SEEK LITIGATION DUE TO THE CONTINUED XXXX THEY HAVE CAUSED ME

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My son and I received a letter from the Nelnet Student Loan Servicer today, XXXX/XXXX/2016, introducing the fact that they had been selected by the U.S. Department of Education to be our student and family loan servicer. The letter refers to an enclosure that we should read, but there was no enclosure in the mailing. We do n't feel that we have received all the information we need, and our confidence in the servicer is n't enhanced by a mistake that, if it included all the other people who received the mailing, could represent a significant error and possible financial expense on the part of the company. The letter was addressed to my son, XXXX XXXX, and was dated XXXX XXXX, 2016. We would appreciate it if the company would forward the missing piece, and would not object to being allowed the option of choosing another servicer. Thank you for attending to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Mnet Financial Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a follow-up for cfpb complaint XXXX All you sent is a document that literally says, " THIS IS NOT A BILL '' ( last page top right ). Furthermore, a bill is not proof of debt. You'll need to provide proof that services have actually been rendered. 

Your time is running out!

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 2022-11-08
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have recently been denied housing due to alleged eviction. The eviction is listed from residence of XXXX XXXX. Address XXXX XXXX XXXX XXXX, TX XXXX. I have no knowledge of this address, let alone an alleged eviction. This is my second attempt to resolve this issue. 
I have also taken things into my own hands and retrieved confirmation from the apartment contract that the Social Security number does not match mine. I want this and any other alleged eviction attached to the incorrect social Security number be removed from my consumer reports immediately!! 
This has caused extreme hardship, denial of a home, and mental anguish.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: Lendmark Financial Services
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have an installment loan with Lendmark Financial and I experienced several issues with the company drafting the payment from my account when they were supposed to. This resulted in my account being delinquent. I then got my account back on track and the same issue occurred again. Lendmark Financial filed a court case against me and placed a judgment on my credit report. I feel that I have been paying the loan and should not have a judgment while paying. The judgment amount is inaccurate as well. The judgment is {$12000.00} and my balance is {$8400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I have two bankruptcies being reported and filed a dispute along with documentation showing they are being reported wrong. I called into Trans Union to ask the status of my investigation and was told it was verified. I then asked please tell me how this was verified. First they told me they could n't give that information out. After stating that the law states you must supply how it was verified they person said the court house verified with my name, addresses, and social security number. I then stated that was also false since the courts will not verify any information to any credit beauras or third party companies, and also stated that a letter stating that from the court was included in my dispute. I have now sent in a 26 page report from XXXX who provided federal courts info showing that the bankruptcies are incorrect along with a letter from the court stating they wont verify any cases.

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 2016-08-01
Company: Social Finance, Inc.
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
SOFI appears to be a discriminatory and classic bait and switch activity. They start by " pre-approving '' refis for PLUS borrowers like me, then collect reams of confidential financial and personal information, ( all demanded online ). Next SOFI increases the " approved '' rate, and the company demands more and more confidential financial and personal information. CallS to customer service were ignored and/OR mishandled. With REAMS OF confidential information on the PLUS borrower now in their possession, SOFI then demanded more and more confidential information. When the XXXX documenting my pension income were determined " insufficient '', and SOFI demanded copies of my pension " award letters ''? and wanted my checking account numbers, I decided to investigate my suspicions on your complaint database. Sure enough, others have had the same experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I am 60 days late on my auto loan. I have explained to the bank ( USAA ) that I am unemployed. Since they can not do or offer a deferment I asked if I could short sell the vehicle. I would like to take it to a dealer and try to get as much as possible. I know I 'll still owe the bank money but I 've estimated that a short sell would create a deficit of around 8,000. If they repo it and throw it on a repo lot that deficit could exceed 11,000. That 's 3,000 and could possibly be up to 4,000 that I 'm basically being forced to take because they do n't want to deal with a short sale. I even said I would bring the vehicle to them, their response " leave it at your house, our repossession unit will come get it, there 's nothing we can do ''. Is there any way to negotiate this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
My wife and I entered a home purchase contract on XXXX XXXX, 2015 in XXXX, AZ. We switched to Wells Fargo Home Mortgage branch of XXXX XXXX XXXX, XXXX, AZ on XXXX XXXX, 2015. We showed them our sales contract Which had a COE date of XXXX XXXX, 2015. However, we asked if they could accommodate the original sales contract date of XXXX XXXX, 2015. They fully assured us that they could reach that goal, I asked about possibilities that could hold them up, and they did not propose any situations and just restated they could meet our requested goal. We informed them of our previous lender, so they could contact them if needed. Since our inspections were complete and we were conditionally approved for the loan, on XXXX XXXX, 2015 we asked when our appraisal would get done. An answer was not given back to us until XXXX XXXX, 2015, and we were told our file is now in underwriting and an appraisal would be completed on or before XXXX XXXX, 2015. On XXXX XXXX, 2015, I called the branch manager to voice my displeasure with the service and lack of integrity on their part as they have not kept their word XXXX now. He answered and said he would look into it and contact me back in 15 minutes. He never contacted me back. The appraisal did not get completed until XXXX XXXX, 2015, and no explanation was given to us as to why. For the next few weeks, I got no solid information as to a closing date, I fixed minor items they asked for instantly ( why were n't these requested earlier in the process? ). They kept telling me I was in line to close and it could happen any day, so for two weeks I set up moving arrangements, incurred more expenses, paid more unanticipated rent, experienced difficulty at work, and struggled with frustration. I finally showed up unannounced to their branch and got to speak in person with the branch manager. He fully acknowledged his team and other parts of Wells Fargo had let me down and did not live up to expectations, provided poor communication, and had incomplete work. Furthermore, he said there was a big issue with the appraisal not getting done in a timely fashion, but could not explain why that was not relayed to me. I told him that prevented me from looking for an alternate lender by not disclosing that there were issues. Today is XXXX XXXX, 2015 which is 5 days before the sales contract expires. I could lose the house, the money I paid for inspections, and months of effort and wasted frustration if Wells Fargo continues their poor professional work and the closing is not completed in the next 5 days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-01
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XX/XX/XXXX - XXXX sent deletion letter and had account deleted from my Experian report. Then sold account to creditor XXXX. XX/XX/XXXX : Negotiated payment and settled account with deletion letter. XX/XX/XXXX : XXXX was deleted off my Experian report. Credit score XXXX. 
XX/XX/XXXX : XXXX & XXXX report " collections '' on my experian report which was settled and removed in XX/XX/XXXX. They are combining the same account # with 2 different names so they can flip flop on and off my experian report. Spoke with Experian for 6 hours, and 14 tier 1 /2 and higher managers, and faxed both deletion letters as evidence.. they refuse to remove negative collections item. XXXX credit score now is XXXX This is a scam and all credit bureaus must be punished for ruining an individuals credit. They are not being held accountable for upholding the consumer 's correct credit information. They are holding my credit hostage. Huge scam by the big banks to profit off hard working individuals.

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 2021-03-19
Company: BSI Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is in rebuttal to XXXX.While the XXXX is addressed. Where is the overage of the {$200.00} will now be applied to? You have not addressed that. 

Also, why didn't I receive written documentation on this. A customer is entitled to know what is being done to an individual 's account. This is illegal. 

I would like written documentation on what the intent is for the rest of the money you illegally took from me during bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For about the past six months I have been getting robo-calls from Hunter Warfield on pretty much a daily basis. There are two types of calls ... one does not mention any names. It says they are a debt collector and that I should call them about this debt. I have not called them back as I have been totally consumer debt free for over 10 years and my credit score is in the high 800s. 

The second type of robo-call is one asking for my ex-wife. The message is the same, that she should call them regarding an outstanding debt. My ex-wife and I divorced 17 years ago. I don't even know where she lives. 

I have only gotten phone calls. No letters. 

I have hesitated to call them back as it then becomes a " war of words. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
i was approved for a line of credit with navey federal but for some reason it was revoced

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: WELLS FARGO & COMPANY
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I paid my auto loan within the 10 day grace period and the company still assessed a late fee.

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 2016-03-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
The collection agency " The XXXX XXXX '' called me numerous times. This morning they called again from XXXX and I answered. They asked to speak to XXXX XXXX, who is my XXXX year old mother. I told theM she was asleep and XXXX. The Representative XXXX XXXX asked if i would wake her up and i said no i would not and asked if i could help them as i am her son. She then explained that she was a debt collector and that my mother owed money to someone - I did not catch to whom - at this point I explained that she had violated the Fair Debt Collection Practices Act by disclosing to me a third party that : A. Who she was B. Who she worked for C. That she was a dept collector D. Who her client is She began to try to talk over me, insisting she had not violated the law. 

I asked for her name which she gave willingly, but I had to ask her a few times for the name of her company and she all but refused to give me her phone number saying " do n't you have it on your cell phone? '' I told her that the number that appears on my cell phone may not take incoming calls and that I wanted the correct number to her company, which after a few more requests she gave 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 non-monetary relief
Consumer complaint received 2016-09-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been attempting to sell my home through the Short Sale Process and Wells Fargo is not bargaining in good faith. I have an ALL CASH BUYER who is willing to payoff all the liens on the property. They have responded that it is in a ( Fourclosure status ) but they do not have a ( Sale Date ) for the auction. I am requesting that Wells Fargo re-open the Short Sale Process and bargain in good faith. They are also stating that they can not approve it because it is and ( FHA ) mortgage which makes no sense.

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