BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-11
Company: EQUIFAX, 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:
I submitted a FTC Fraud affidavit to Equifax, XXXX, XXXX   and Us department ED. In my credit report there is a report that I opened a student loan in XX/XX/XXXX. I have never had a student loan in XXXX, XXXX responded in 10 Days and Stated they could not validate account from US DEPT OF EDXXXX, and in the back file there was no document to validate account, there result of dispute was to delete from file. 
XXXX also responded that the US DEPT OF EDXXXX also could not validate with any documentation and they had none on file as well, XXXX Result : could not verify delete. US DEPT OF ED has not even responded at all. BUT now EQUIFAX on the other hand must have a better way of doing there investigation cause the investigation results was they validated this account and there files has a documentation to validated this account, know this according to the person I talked to on the phone, I asked for them to send me not only the results but all documentation that supports the validation its known as a back file which is require by law to be keep to verify an account, there also required by law to disclose and show it upon request. I requested they provide the information used to validate this count, she said she send my the results only I ask for a supervisor, XXXX I believe she said her name was, I ask for the back files the supported there claim that it was validated. she assured it was validated by electronic means that the US DEPT OF ED stated it was mine and they don't keep documentation on file for account only what a company tells them, Know to make it clear this conversation was recorded my end which is being transcribed, Oklahoma is a one party consent state, and I knew the conversation was being recorded, I also informed the other party that I was recording she keep going on about whats she was not going to do and only send me the results, Now that I have all that I need to file in federal court against EQUIFAX, I have the recording, I have the Fraud affidavit filed and certified mail to Equifax, there results and XXXX results, XXXX Results, I have enough to prove my case that Equifax is being paid by the US DEPT OF ED to keep the account on report to oppress my credit to get me to pay for an account that's not mine. I will seek {$1000.00} per violation and {$75000.00} for defamation of my credit worthiness. I'm tire of disputing with Equifax and them not investigating, so I will ask for montery this time for the time they keep wasting of mine, PLEASE FILL FREE TO CHECK XXXX for my NAME, THAT WOULD SHOW ME VS. XXXX in the XXXX DISTRICT FEDERAL COURT OF OKLAHOMA, THIS IS WERE I WILL FILE SUIT AGAINST EQUIFAX, If I don't get any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I began shopping for mortgages and applied through several lenders. XXXX, Sebonic Financial ( NMLS # XXXX ), seemed to be a good online option. The broker, himself, was actually very pleasant to work with. However, as part of the application process, Sebonic requires a credit card to hold funds for an appraisal. I applied on XXXX and received an email that an appraiser had been assigned on XXXX. In that email it said that I needed, as the borrower, to schedule to have the appraisal done within ( 7 ) days. However by XXXX the appraisal had been assigned and conducted, without my or my agent 's knowledge/authorization. It is also worth mentioning that I informed Sebonic the same day that I had signed with another lender, whether or not that 's a coincidence or not, I 'm not sure. Additionally, at no point had I signed an intent to proceed with Sebonic. I have since been charged as appraisal fee of {$430.00} and told that is a non-refundable charge. I 'm not an expert in the mortgage process but this strikes me as a serious ethical issue requiring a refund of the appraisal fee immediately.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My checking account was overdrafted on XX/XX/XXXX for a small amount ( $ XXXX- {$15.00} ). On XXXX of XX/XX/XXXX I had a deposit made that more than covered the deficiency. Chase proceeded to charge an overdraft fee of {$34.00} for the small ticket item, and refused to reimburse me. 

This is usurious, first off - {$34.00} ticket for a $ XXXX- {$15.00} deficiency that extended for less than a full business day??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Siggi LLC
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: Old information reappears or never goes away

Complaint:
I have an account over XXXX years old that is still showing as a charge off it said it would be removed XX/XX/XXXX and when I called they said it would be removed and its still showing. No one seems to care and I need it gone.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: WELLS FARGO & COMPANY
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 is missing that should be on the report

Complaint:
I had originally submitted a CFPB complaint in XX/XX/2021 about Wells Fargo Auto reporting my auto loan incorrectly to the credit bureaus as a " Closed account with multiple late payments. '' When the auto loan was open, the account was always paid on time and there were never any late payments. I also have records of when these payments were made to confirm the strong and timely payment history of this account ( Account ending XXXX ). 

As of XX/XX/2021, I received a letter from Wells Fargo Auto stating that they had found in their research, that my auto loan was in fact being reported inaccurately and had acknowledged their mistake on how the account was being reported to to the credit bureaus.

Per the letter, Wells Fargo Auto stated they had requested to update the auto loan payment history ( Account ending XXXX ) to all credit bureaus to reflect as " Closed, Paid in Full with no delinquencies reporting '' and the credit report would reflect these changes to the account within 30 days of the letter being received. 

As of XX/XX/2021, the Wells Fargo Auto Loan account ending in XXXX does not even show up on my credit report at all. As a result, my credit scores have significantly declined because my on time payment history of this auto loan has been removed entirely.

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 2015-06-16
Company: Receivables Outsourcing, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This number calls at XXXX XXXX and the caller ID identifies it as XXXX They leave no message. When I call back and ask who they are I am told they are looking for a XXXX and they can not ID themselves or who they work for because of the nature of their call???? They are an accounts receivable office. Really, as if I do n't know they are a bill collector. I think they believe without a name you can not report them. I told them not to call me again since hang up calls are harrassment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25
Company: CIT BANK, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello, Near the end of 2011, I fell behind on my mortgage payments because I separated from my husband and finances changed drastically. I immediately applied for a loan modification. I followed through, faxed the application and all necessary documents to One West. Kept in touch with them to make sure they had received them. But every time, there was something missing, or they did n't receive my documents, or the documents had expired because so much time had passed since the first time I had sent the first documents. I felt they were playing me because I knew they had received them. They waited for all that time to go to then tell me, my documents had expired. I have read many similar stories from other homeowners and this bank. I did everything they asked me to and they still took my home, our home. My children and I were devastated whenever they would post our door and finally when they took it from us. This bank had no intention in giving me a modification. We had more than enough time to get it done before the sheriff sale. Finally, just two weeks before the sale, they told me I qualified for the modification but it was too late because the sale date was too close. I could n't believe what I was hearing. This bank has to be punished for what they have been doing to homeowners. It is not like I ignored their phone calls or abandoned my home. I need to help and want to be compensated for my loss. They wanted to take my home because the way they would gain nothing by letting me keep. On the contrary, they would get paid from the FDIC because of the deal they had struck with them. 
The address of the house the took from me is XXXX XXXX XXXX, XXXX, PA XXXX. 
BorrowersXXXX XXXX XXXX XXXX and XXXX XXXX. 
I would appreciate if this agency does something those heartless people who only care about their pockets. I had no money to go to an attorney, otherwise, I would 've fought them till the end. 

Yours truly, XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2021-12-21
Company: Experian Information Solutions 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:
To whom this may concern, I have sent multiple certified letters to Experian concerning a student loan ( XXXX XXXX ) on my credit report. I did not attend school I joined the military. Therefore having a student loan in my name is impossible. I have sent the other two major credit bureaus XXXX XXXX XXXX XXXX ) the same certified letters, starting on XX/XX/2021. They have removed the inaccurate, obsolete, unauthorized account from my credit report due to account not being verified. With that being said, if those two major bureaus have removed the accounts, Experian company should also giving they should get verification from the same company. According to US LAW, any inaccurate, obsolete, or unfair has to be removed for consumers credit report! I have sent more certified letters explaining this to Experian and have NOT received a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2015-03-24
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I signed up for a debt relief program through XXXX. They are representing me to help me settle my debt for certain creditors. All my creditors except for one has abided by the process and dealt with XXXX except for one. Their name is synchrony bank. Per XXXX i have given synchrony bank XXXX number and their address and excercised my right not to talk to them. Somehow they got my parents phone number which i never gave them and have called them 5 to 6 times a day harassing them and they have been told numerous times by parents not to call them. Synchrony bank has my XXXX number and obviously is refusing to take the time to call them but feel their time is more valuable harassing my parents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-15
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have mailed dispute notice to Conns requesting verification of this account reporting on my credit report and they have yet to respond with a proper answer nor did they send proper verification and never stopped collecting according to 15 U.S.C. 1681s 2 7a.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12
Company: Optimum Outcomes, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I deny that this is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my knowledge and I have no contractual agreement with Optimum Outcome Account Number XXXX XXXX Amount {$650.00} XXXX NC phone number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: Convergent Resources, Inc.
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I got a bill trying to collector from XXXX XXXX for a supposed sum of XXXX yet if i paid before 30 days it was only XXXX. I personally walked into XXXX XXXX, paid my last bill and closed my account before moving to XXXX 5 years ago. What was even better that the bill was sent to my mother 's address in XXXX yet my last address while living in the USA was in XXXX. Convergent Outsourcing Inc sent me the bill

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
When I am working they are calling my phone between 1- 3 times a day usually in a row. Lady name XXXX is calling and she doesnt say it is a call fro a debt collector till near the end of the call or when i bring it up.

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 2015-04-24
Company: Optimum Outcomes, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
The XXXX medical bills that are open collection on my credit report are false. I included ALL my medical bills into my bankruptcy. The dates that they are giving are false. These XXXX account were open way before my bankruptcy. Which is like a year or XXXX before my bankruptcy. If I am force to get documents then I will begin getting the paper from the doctors office showing when the account were originally opened. These company 's should not be able to just keep renewing the old accounts so that they continue to stay on someone credit file and be eligible to keep harassing people after a bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have been an AMEX Card holder since 2018. Paid my statements on time ; sometimes than the minimum. AMEX refuses to increase my credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have autopayment set up for the last full balance. It only did the minimum and the chat specialist said it was a glitch and I need to call and talk to a supervisor. But I can't get a hold of them by phone.

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 2020-04-13
Company: AmeriHome Mortgage Company, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
There was an escrow disbursement on XX/XX/2020 for {$2400.00} that was never sent to the insurance company because the policy was canceled. The check was never disbursed back into my escrow account which created an escrow shortage. My monthly payment immediately increased almost {$200.00} to XXXX. I called AmeriHome ( XX/XX/2020 ) and asked for the check to be redistributed back into my account, so my payment would adjust. The representative said he didn't understand and hung up on me. This happened twice on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I took out a loan for roughly {$5000.00} back in 2001 when I attended XXXX XXXX. I 've been paying on this loan for several years. To date I have paid more than XXXX for a XXXX loan. In 7 years, roughly XXXX has been applied to the principal ; leaving XXXX paid in interest. I still have XXXX remaining on this loan. This is embarrassing and I 'm saddened by the fact that it 's taken me this long to pay this off. At 9.4 % interest - It 'll be years before I can pay this off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
I had originally submitted a CFPB complaint in XX/XX/2021 about XXXX XXXX XXXX reporting my auto loan incorrectly to the credit bureaus as a " Closed account with multiple late payments. '' When the auto loan was open, the account was always paid on time and there were never any late payments. I also have records of when these payments were made to confirm the strong and timely payment history of this account ( Account ending XXXX ). 

As of XX/XX/2021, I received a letter from XXXX XXXX XXXX stating that they had found in their research, that my auto loan was in fact being reported inaccurately and had acknowledged their mistake on how the account was being reported to to the credit bureaus. 

Per the letter, XXXX XXXX XXXX stated they had requested to update the auto loan payment history ( Account ending XXXX ) to all credit bureaus to reflect as " Closed, Paid in Full with no delinquencies reporting '' and the credit report would reflect these changes to the account within 30 days of the letter being received. 

As of XX/XX/2021, the XXXX XXXX XXXX XXXX account ending in XXXX does not even show up on my credit report at all. As a result, my credit scores have significantly declined because my on time payment history of this auto loan has been removed entirely.

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 2021-12-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I recently received a copy of my consumer report, and I noticed some account on my consumer report that should not be there. This agency is in violation of 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumer 's file is inaccurate. They were to notify me of this in writing 5 days prior. I was not notified. 

I am distressed that you have included the information below in my consumer profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
XXXX : Account names : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX I respectfully requested to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. XXXX and Equifax Failed to provide any proof that the item belong to me. I do not consent to XXXX  or any means of automated verification. 
This is caused me : Defamation, Violation of the fair Credit Reporting Act, Financial Injury. You have Hurt my ability to obtain Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: Convergent Resources, Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I cancelled XXXX and paid the final bill on time there was a cancellation fee of {$690.00}. There was no timeframe to pay this fee so it was paid in installments for XXXX months. XXXX gave no notification this was an issue. Not sure who this third party is as all payments were made directly to XXXX.

Company response to consumer: Closed with explanation