BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-27
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted the Credit Bureau regarding XXXX XXXX XXXX which is listed on my credit report. I sent certified letters. They have failed to abide by the XXXX XXXX XXXX in providing me with the verification information that was used to verify my dispute.

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 2016-03-10
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I called all three consumer reporting agencies about an erroneously reported item on the public records portion of my credit report. The item concerns an incomplete and incorrectly reported judgment from when I filed a countersuit against a landlord ( actually I attempted to file first and she beat me to it ) for improper withholding of a depost and an improper lease. I won the judgment in XXXX Co Special Civil Part - I have a copy of the judgment and a copy of the credit invoice to the plaintiff - a realtor. I spoke with a XXXX in the XXXX Co. Post Judgment Team - who confirms that the court records reflect XXXX XXXX XXXX plaintiff as being held accountable for the judgment and that I won the judgment. Somehow the entity furnishing the information to XXXX, XXXX, and Equifax has not been accurate and is not being held to any accountability for the accuracy of this report. I contacted all XXXX credit agencies to include XXXX. The XXXX website wo n't let me enter data - keeps coming up with an error message ( I have a copy ). The transunion online automated reporting system keeps hanging up on me - two hours I 've spent out of a busy day. I am a physician - the reason I was even in the aforementioned rental property - and I am trying to run my own business. I applied for a loan. My credit is fairly good - and could be great if there was not this GLARING inaccuracy on the reports. The credit reporting agencies have a very flippant and avoidant attitude towards this issue and other ones like it. We are held accountable through financial penalties for processes and issues which may or may not be accurate- while it seems the the agencies and their clients who are paid to report the information to them ARE NOT. This is hurting my credit score and my credibility in general. These are very trying times to start a business of ANY sort in the US and this has been an incredible drain to try to get this recognized and reported correctly. Equifax just has noted the matter as " settled '' on the report - also reflecting that I LOST the judgment. Transunion is not even letting me report it. And Experian states it has to check with its private vendor of the information even though I sent in the statement of judgment from the court, from my lawyer, and a copy of the entire judgment received from XXXX County Special Civil Part for the docket in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I disputed these addresses online and I have not heard anything from Equifax at all. I have faxed in information over and over again. And still they refuse to delete these addresses that are not mine. I only have been at XXXX XXXX XXXX XXXX, XXXX GA XXXX. The other addresses need to be deleted ASAP. Never have been affiliated with them. My drivers license is attached XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Delete this Employment GA XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Complaint against Equifax is the incorrect reporting XXXX, XXXX. XXXX XXXX/XXXX/XXXX {$11000.00} XXXX/XXXX/XXXX, I worked hard with XXXX late last year to insure they were reporting correct and I know they have, Equifax refuses to do what is correct 1st, they need to report ( XXXX ) balance per XXXX request 2nd the need to delete this from the report starting XX/XX/XXXX, By law they can no longer reported 7 years after the last activity, see enclosed info Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
XXXX and equifax will not re-investigate incorrect information that is being reported on my credit report. I have been a victim of identity theft for a card that was opened up in my name. ( XXXX ). I have phone experian and equifax to re-dispute this information and was told it was verified as mine and they will not re-dispute information again. This is ridicilious. I have written many letters to XXXX ( with no response ) along with phoning them and getting the run around. I have also called the credit beaurous numerous times to tell them that this fraud is causing a hardship with my credit score. They will not re-dispute. How can they get away with this? I am being penalized for something I DID NOT DO

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Yes it 's been awhile I been using my credit card and I always pay on time and I am always careful to not mess up my credit so recently I checked my credit score and I see its XXXX and XXXX and just like a few days ago I see it had dicreased for no valid reason now it 's XXXX and XXXX I felt really shocked and ca n't even go to sleep the whole day if u guys can solve everything out cuz I really take care of my credit and it 's been 2 years I been using it if u guys can help me out I will really appreciate it? Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: AES/PHEAA
State: IL
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 contacted both the creditor and the credit bureaus about inaccurate information that was on my credit account. I should proof of the matter and they still are saying the accounts was verified. I asked for proof ( all paper work/info ) to be sent to me about how they verified the accounts. They still have not sent me any proof to back up their decision. I contacted them three plus times and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I had duplicate accounts in XXXX which shows the balance XXXX e.g. XXXX $ on a card that has {$4000.00} total. I erased the XXXX card and paid off the card since.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: Experian Information Solutions 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 leased a vehicle from XXXX in XX/XX/XXXX, jointly with my daughter. In XX/XX/XXXX we turned the vehicle in early directly to a dealer, and received the Turned In Completed paperwork on XXXX. We knew there would be an amount owed and the dealership said that we would receive a letter stating the balance owed. We didn't receive this letter until XXXX and paid the balance due immediately. In early XX/XX/XXXX I saw that my Experian credit score dropped from XXXX to XXXX and found it is because the XXXX tradeline does show paid per obligation but ALSO shows late payments in XX/XX/XXXX and XX/XX/XXXX, totaling a 90-day late line item. XXXX also reports the same. I called XXXX and they state that they did not report late payments to the credit bureaus and there is nothing they can do for me. I disputed online with both XXXX and Experian. XXXX closed the dispute the same day I opened it and didn't even look into it. My daughter 's ( joint borrower ) credit report tradeline for the same leased vehicle has been reported accurately with no negative/late payments and is closed correctly, paid as agreed. I have attached the snapshot of her credit report showing it reported properly. How can mine be 90 days late and hers paid as agreed on a joint 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 non-monetary relief
Consumer complaint received 2015-06-14
Company: ERC
State: WV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have no idea where this debt has come from. I have never opened an account with XXXX Anyone Can use your name to open an account if they have colllected your personal information. I feel asif someone maybe a family member or friend took my personal information for their own benefit and opened a cellphone Account. They obviously did n't finish paying because let 's be honest, it wo n't fall back on them. I 'm Only XXXX years old, just starting off my credit score.. And my life as well, I need this fixed. 

Thank you sincerely, XXXX XXXX XXXX

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 2015-09-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Wells Fargo Bank XXXX XXXX XXXX, GA XXXX XXXX XXXX denied me access to Small Business Non Profit Checking Savings Account ; Federal Violation of ECOA Discrimination Violation of Civil Rights Act as Amended base on my ( XXXX ) XXXX XXXX ( XXXX ) XXXX for a NonProfit Faith Based 501 ( c ) ( 3 ) IRS ; Active Status with the Georgia Secretary of State Office and sent me away to produce Articles of Incorporation and Certificate of Incorporation that has been in Wells Fargo Profile sinceXX/XX/2002. Lack of professionalism on behalf of that Branch Manager and staff member for offering to cash a personal check written by a Wells Fargo Customer to me in denominations of {$20.00} bills ( total check {$3.00} ) or offered me to go to another Wells Fargo Branch.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I tried to resolve the issue with XXXX XXXX but they informed that they no longer have the account. I requested for it to be removed since they no longer have the account. I was told that it was given to a lawyer so i will like it to be removed because im resolving it with the lawyer who now has the case.

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 2016-06-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
i wanted to retire and my retirement income was going to be {$XXXX} less than my regular income.I was transferred from one bank to a new one. I had tree options to make my payments and I was paying at the new bank when the I consulted cashier told me that they could not take my payment.I consulted an attorney who informed me that they will reduce my payments to a lower amount.After three years and paying them {$3500.00}, and not making payments at all, I was referred to another attorney who recommended CHAPTER XXXX to save my house from being auctioned.I have contacted the new bank and sended all the requested documentation and I was told that I was making too much money and to request a modification after my retirement which I did thee months ago and resubmitted my request now they are telling me that I do not qualify because I do not make enough money.

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 2016-10-08
Company: SECURITY FINANCE CORP
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Security Finance has sent a letter to my employer telling them to garnish my wages even though there is no judgement and no court order so not only have they discussed my debt with my employer they are trying to send them a threatning letter to garnish my wages

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 2016-10-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax keeps reporting XXXX student loan on my account that does not belong to me. I need them to verify the social security number, which they HAVE NOT! they need to remove this student loan from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: CCS Financial Services, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i have no idea who this company is that trying to collect a debt for insurance. i already have insurance. i don't owe XXXX XXXX insurance no money. since when do insurance companies collect on a debt. this company is fraudulent, and i don't owe then a dime.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX XXXX is listed as a former employer. He was my XXXX husband that I divorced 14 years ago. To see his name on my report, I am not surprised that he would be involved in identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I experienced water damage to my home XX/XX/2015. My mortgage lender refuses to pay interest on the claim funds held in escrow despite California law ( California Civil Code ( 2954.8. Payment of Interest to Borrower ).

Company response to consumer: Closed
Consumer complaint received 2015-05-09
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Chase Receivables left a voicemail on my phone ( which I still have ) threatening that if I did n't call them back by XXXX that day they would lie to the hospital I have the debt with ( for an emergency room visit I had when I became very ill ) and tell them that I had refused to pay the debt. This of course was not true ; I did not refuse to pay the debt, in fact, the only reason this woman at Chase Receivables was calling me was because I had called her three days before to try to arrange payment of the debt. ( They also kept calling me during those three days when I said I did n't want them to ; I told them I would call them again when I was ready to arrange payment of the debt. Obviously they ignored my request. )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: U.S. BANCORP
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
US BANK CALLED TO TELL ME THAT THERE WAS SUSPICIOUS ACTIVITY IN MY AC & THAT THEY CLOSED MY AC.THEN THEY WROTE TO ME SAYING THAT MY BALANCE WOULD BE TRANSFERRED WITHIN XXXX BUSINESS DAYS.THAT NEVER HAPPENED & NOW WHEN I CALLED US BANK THEY GAVE ME A NUMBER, THAT NUMBER GAVE ME ANOTHER NUMBER & SO ON & SO ON. I CHECKED ONLINE & SEE THAT TYPE OF ACTIVITY IS REGULAR WITH US BANK. I NEED TO CHECK MY OPTIONS OF RECOVERING THE {$300.00} ODD DOLLARS I HAD IN MY AC, I ALSO NEED TO EXAMINE MY OPTIONS OF RECOVERY FROM THEM.

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 2015-07-08
Company: U.S. BANCORP
State: AZ
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Unauthorized transactions/trans. issues

Complaint:
My brother purchased a {$100.00} gift card for my XXXX yo mother and mailed it to me in XXXX. On the XXXX of XXXX 2015 we tried to use the card but it had not been properly activated at the point of sale so I contacted the card issuer ( US Bank, mygiftcardsite.com, XXXX ) website and and told them the problem and they said they would activate the card after I sent them a copy of the front and back of the card along with my contact info. XXXX days later I called the toll free number and used the IVR to see if my card was activated. I discovered that the card was active and had a {$78.00} charge ( at XXXX ) put on it in XXXX California on XXXX XXXX 2015. I live in XXXX and I have the card which I received in a sealed package from my brother. I told them that I did not make the charge and they said the card had been compromised and they said they would disable the card. I asked to be transferred to a supervisor and my call was dropped. I called a XXXX time and to verify that in fact the card had been disabled and again asked to talk to a Supervisor. I was connected to someone who was garbled. I hung up. This all took at least an hour. 
A week later I received an affidavit to sign to dispute the {$78.00} charge. Today ( XXXX XXXX 2015 ) I called to get status. After waiting XXXX minutes in queue, I was told that the card had a XXXX balance. I asked how that could happen because the card was supposedly disabled on XXXX XXXX. The CSR stated that there were XXXX additional charges in California, on XXXX XXXX 2015 at XXXX {$8.00}, on XXXX XXXX at XXXX {$11.00} and XXXX XXXX at XXXX XXXX {$.00}. These charges came after the card was supposedly disabled and I verified that with XXXX different CSR 's on XXXX XXXX. So I had to amend the affidavit and re-fax it to the disputed center which I did today. 
I feel that this company or some of their employees are commiting fraud. I do n't know how anyone in California could have gotten the card info unless someone at the card company gave it to them. The CSR that at the dispute center ( a third party ) stated that this company ( US Bank ) has the most disputes of any of the companies that they service. Her name is XXXX and she can be reached at XXXX. I recommend you call early otherwise you will be on hold for a very long time. 

P.S. the toll free number on the gift card to call for customer service is incorrect. If you go to their website ( XXXX ) it now shows in big red letters the correct number. 

This is the worst company I have ever dealt with. I recommend that people send cash or a check, forget the gift card. At this point my time is wasted on this is worth much more than the {$100.00} gift to my mom. 

Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-03
Company: U.S. BANCORP
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XXXX of 2015. I started a FHA streamline refinance with US Bank Mortgage. It 's 3 months for the working on processing this FHA streamline refinance. Repeatedly, I would ask for a status update on the file. The loan processor would indicate the file is on holding pending release of a FHA case number. In addition, I was dissatisfied with the lack of response from the loan processor. I would send an email for a status update and I would n't hear a response for a couple of days. I have provide all conditions the lender had requested but still continue to experience delays in this FHA streamline refinance. It 's a lost savings of {$200.00} dollars per month. In addition, I had a request for Regional Manager to response to my complaints regarding lack of response and asking to waive credit report fee because of the time delayed in processing this file. So I decided to take my business to another lender. I asked US Bank Mortgage to transfer the FHA case number to the new lender XXXX. As of right now, I have not heard or received a confirmation they have transfer the FHA case number to the new lender. The new lender notified me this morning they have not transfer the FHA case number. I have left a message to the supervisor for loan processing requesting them to transfer the FHA case number. Currently, I have not received a follow-up regarding the status of my transfer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-15
Company: Nationwide Credit Corporation
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
The company called at XXXX, and again thereafter every 2 hours It was stated that they are not authorized to contact me by phone as a cease letter was sent months ago. In addition, a request for the debt to be sent back to the creditor where the insurance payment can or could be adjusted was not adhered to. I have asked more than once for them not to call and they continue to do so with multiple numbers and both phone lines.

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