BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-19
Company: EQUIFAX, INC.
State: CT
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:
This card had been opened in my name for a couple of years. I had shared my concerns with XXXX XXXX that this was not my account. Instead they charge off the card and I owed a balance. I end up paying the balance but asked them to remove the card from my report as it was not my card. As a result they claim that they would remove it but never did. XX/XX/2019 the card was closed and never removed from my report. I have contacted them numerous time and this had no purpose. I am asking that this be removed from my report due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
THIS IS NOT A DUPLICATE REPORT. I AM ASKING FOR THE ITEMS TO BE DELETED FROM MY CREDIT REPORT In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1 ) XXXX XXXX XXXX 2 ) XXXX  3 ) XXXX XXXX XXXX 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information ... any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose

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 2017-07-31
Company: Mobiloans, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have a loan with Mobiloans LLC which I have given 16 bi-weekly payments totaling {$2100.00}. It recently came to my attention that Mobiloans LLC is owned by the XXXX XXXX XXXX of Louisiana and it does not have a license with my state, the state of California, so my loan is illegal and void. I sent them a letter explaining this issue and told them I would pay only the principal balance and not the fees. Adding all my payments together I have overpaid my original loan of {$1000.00} I took out in XX/XX/XXXX plus the the additional loans of {$600.00} in XX/XX/XXXX, {$200.00} in XX/XX/XXXX and {$200.00} in XX/XX/XXXX. In the letter I stated the overpayment, asked to have acknowledgement that my loan is paid in full and my account updated to reflect this and then closed. I also asked for a refund of my overpayment and told them of my revocation of ACH authorization as well as no contact by phone to my home, cell phone, or employment, or my references for the loan. They responded with generic responses and then said Mobiloans LLC ownership by the XXXX XXXX XXXX of Louisiana is governed federally and does not need a license to operate in any given state and that I still have a balance of {$1400.00} which I need to pay. With the outrageous fees that they charge and every payment I have made, I want them to consider my loan satisfied in full because my loan with them is illegal and void and I will only pay the principal which I have. My last payment to them was on XX/XX/XXXX for {$120.00}. For example, for this last payment of {$120.00} only {$35.00} goes towards the principal the rest is all fees.

Company response to consumer: Untimely response
Consumer complaint received 2019-11-19
Company: Experian Information Solutions Inc.
State: CT
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:
This card had been opened in my name for a couple of years. I had shared my concerns with XXXX XXXX that this was not my account. Instead they charge off the card and I owed a balance. I end up paying the balance but asked them to remove the card from my report as it was not my card. As a result they claim that they would remove it but never did. XX/XX/2019 the card was closed and never removed from my report. I have contacted them numerous time and this had no purpose. I am asking that this be removed from my report due to identity theft.

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 2021-12-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
-- On XX/XX/2021, loan Servicer, Select Portfolio Serving Inc ( " SPS '' ), stated that property has been sold based on Loss Mitigation application submitted by Borrower on XX/XX/2021 while not responding to subsequent loss mitigation applications submitted by Borrower. The timeline used for the sale as stated by SPS is based on Loss Mitigation application received by Servicer in XX/XX/2021 while Borrower has submitted Loss Mitigation application on XX/XX/2021. Servicer has failed to process loss mitigation application from XX/XX/2021 and Borrower resubmitted loss mitigation application on XX/XX/2021 within the 30 day appeal window that was to end on XX/XX/2021. Servicer failed to process documentation submitted by Borrower and proceeded with foreclosure in violation of dual tracking laws and in violation of foreclosure procedures.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I dont recognize any of this inquiry and I didnt authorize to pull my credited Because of that I activated a fraud alert in my report -XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX -XXXX  XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX - XXXX XXXX  Inquiry date XX/XX/XXXX - XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX Inquiry date : XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry date : XXXX XXXX -XXXX XXXX XXXX Inquiry XXXX : XX/XX/XXXX -XXXXXXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX - XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX Inquiry date 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 2017-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
For the past two months I have been late paying my credit card bill because when I try to make the payment I can not access them on line I have tried in three different computers and networks and the site times out. When you call them they make you pay a fee to pay your bill. It 's getting out of hand because this causes me a hardships with penalties and late fees. I have paperless billing now so I have no idea what is going on with my account. My credit is at risk, they need to have the site fixed and stop denying that it 's the user. There are people on the internet that is having the same issues. ppl I do n't know. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Lowes Synchrony Bank card. 
On XX/XX/XXXX XXXX XXXX I recived an email that my payment was due soon. ( attached screen shot ) I knew I already scheduled a payment. I went to the card services portion of the lowes app and there was no pending record or applied record of my payment. The activity only shows my next payment, and a payment due ( Attached screen shot ) This is misleading and could cause me to make a double payment when one is not needed. 

I went to the website version and I could see everything. ( Attached screen shot )

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 2018-03-16
Company: NATIONSTAR MORTGAGE LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
They have incorrect information on our transaction history for XX/XX/XXXX and XX/XX/XXXXr ofXX/XX/XXXX. We have repeatedly sent them proof of on time payments. They will not fix this issue. It has prevented us from obtaining a new home loan. We have sold the home that had this loan. We are currently in a Chapter XXXX. We had courts permission to sell that home. We have courts permission to obtain new debt. We cant be cause of their unwillingness to correct their errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 purchased two phones from XXXX who is a wholesale retailer for XXXX XXXX. Both phones were returned on XXXX XX/XX/2018 to XXXX and XXXX provided a refund receipt. A refund receipt and credit card refund is attached. The return was within the remorse period by XXXX and honored by XXXX. 

XXXX was not able to communicate the refund to XXXX XXXX  and they called be about the amount due after many months. I told XXXX that the devices were returned and they need to call their retailer. XXXX made no attempt to reach out to XXXX and so I personally went to the store and asked him to resend the cancellation. XXXX provided a copy of refund receipt. 
XXXX then sent the amount to the collection and every time I tell collection agency that it has been returned, they sell it to other collection agencies. 
I reached out to Transunion to correct the reporting but they reach out to XXXX who keeps confirming. Both TUC and XXXX are ignoring refund receipt. 

I have to pay a higher interest rate due to collection and more recently denied credit due to the collection on my report. I have called XXXX but they keep saying that the account is in the collection and they can not open my file. so I am in a vicious loop trying to correct a wrong item on my credit report. 
I want XXXX to call XXXX  ( phone numbers are there in the attached ) and correct the issue. Also, TUC should not report false items when provided proof of payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
O n  XX/XX/XXXX , o ur daughter had a   XXXX   XXXX   XXXX   XXXX   XXXX  . We used  XXXX  to try and remove it at home. After a while, the indention was still there, so we decided to take her to  XXXX   XXXX   XXXX . When we arrived we signed in. We looked at her toe again under the fluorescent lights at the hospital and determined that the   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   .  We told the hospital that under the lighting, we could tell that the   XXXX   was no longer there. Since we already signed in, they had us sign something that said we no longer needed to receive treatment from them. We went home and received a few bills a month or so later. They totaled around {$170.00}. I called the hospital to speak to the billing department. They said it was a mistake on their part and said that it was taken care of on their end. Apparently {$120.00} of the entire bill was eradicated because we have received no bills whatsoever in probably a year or so. Now, after all this time, we are getting a bill from a debt collector for {$47.00}. I called the debt collec tor, ARS, on  XX/XX/XXXX  and  explained to them the situation and told them I wanted to dispute the debt. They told me they will continue to contact me for the debt.

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 2022-04-30
Company: ALLIANT CREDIT UNION
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have a complain against Alliant Credit Union. 

Alliant Credit Union pulled out my credit report without my permission and reported I have a credit card with Alliant Credit Union, Which I am not even a member of a Alliant Credit Union. I applied membership in the past, but I was denied for membership. How come I can have an Alliant Credit Union Credit Card when I am not a member????? 

I have contacted Alliant Credit Union and let 's them know my concern. However, Alliant Credit Union has never get back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This is a complaint against XXXX XXXX. The reason why I am writing this complaint is because on my XXXX, XXXX, and Equifax credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted  XXXX , about a unauthorized inquire showing up on MY Experian and  XXXX   XXXX  credit report back in  XX/XX/XXXX . I  have reached out to  XXXX  several time from    XX/XX/XXXX   to  XX/XX/XXXX  with no   resolution. I 'm in the process of buying a home so I 've been extremely focused on NOT applying for any new accounts of any kind.   XXXX  I have been a vi ctim of Identify theft twice within the past 10 yrs. I have co ntacted the credit agencies and they are no help at all. I have been in contact with them as well in regards to some other fraudulent accounts over the yrs. It has taken me countless of hours and thousands of dollars to prove these account were not mine. I have placed fraud alerts on all  XXXX  credit reporting agencies to protect me but as I 'm realizing nothing if full proof. Because of the fraud alert creditors call to verify information per the statement on my credit report. I DO NOT APPLY FOR ANYTHING ONLINE out of fear of have my information compromised again.

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 2017-07-03
Company: Experian Information Solutions Inc.
State: AL
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 AM REQUESTING A RE- INVESTIGATION OF THE INQUIRIES ON ALL 3 CREDIT BUREAUS. THERE ARE 23 INQUIRIES ON MY XXXX CREDIT REPORT THAT I DID NOT AUTHORIZE. AS YOU CAN SEE SOMEONE USE MY IDENITY AND OPEN UP ACCOUNTS IN MY NAME IN XXXX XXXX NEVADA. A PLACE I HAVE NEVER LIVED AND I AM STILL FIGHTING TO HAVE THIS NEGATIVE INFORMATION REMOVED FROM MY CREDIT FILE. I DID NOT AUTHORIZE THESE INQUIRIES AND I HAVE MAILED LETTERS TO EACH CREDITOR ASKING FOR REMOVAL OF MY CREDIT REPORT. I AM ASKING AGAIN FOR A RE INVESTIGATION FOR THE REMOVAL OF ALL 23 INQUIRIES OFF MY CREDIT REPORT FROM XXXX AND 26 FROM XXXX AND EXPERIAN. I HAVE DONE MY PART BY SENDING OUT CERTIFIED LETTERS TO THE COMPANIES AT THIS TIME I AM ASKING FOR DELETION OF MY CREDIT FILE. THESES WERE ALL FRAUDULENT INQUIRIES

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 2022-04-30
Company: Academy Mortgage Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Hello- I purchased my home in XX/XX/XXXX, during that time the mortgage company made a mistake and did not apply the interest rate that was agreed upon. Therefore, I had to pay more in closing. The mortgage broker XXXX XXXX sent me an email acknowledging her mistake and stated that I would be created the difference which was about ~ {$800.00}. Since that time ( XX/XX/XXXX ) I have reached out to the mortgage company and XXXX several times and was promised that the check was issued. I never received the check. You can see in the attachment in XX/XX/XXXX, I was once again told that the check was issued.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-22
Company: Experian Information Solutions Inc.
State: MS
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 have recently obtained a copy of my credit file and there are many mistakes in my report : XXXX XXXX XXXX Acct # : XXXX : I have never paid late XXXX XXXX Acct # : XXXX : I have never paid late XXXX XXXX XXXX Acct # : XXXX : Inaccuracy payment information

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 2022-04-30
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, XXXX, my elderly mother discovered that her home health aid had stolen her checkbook and written approximately XXXX checks to herself, emptying my mother 's account. My mother reported the theft to PNC and identified the forged checks. The branch XXXX called the police, who came to the bank and took a report. The XXXX also submitted a dispute for the forged checks, which totaled over {$20000.00}. For the next six months my mother and I regularly contacted PNC, which kept telling us to wait and be patient because it was still investigating. On XX/XX/XXXX, my mother died of XXXX XXXX XXXX. I notified PNC of her death. PNC told me it was still investigating the forgeries and that it would contact me soon, but it never did. Is there a law that requires PNC to perform a timely investigation? It's been more than six months, My mother 's name was XXXX XXXX. The account is titled " XXXX XXXX XXXX XXXX XXXX. '' I am the trustee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: Automated Accounts, Inc.
State: AK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt collector refuses to provide validation to verify this debt is owed by me. They are negatively reporting to credit bureaus but have failed to prove I am legally obligated and responsible for the debt they are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Wells Fargo Asset Management ( WFAM ) recently changed their login procedure to add additional security ; in doing so they have created a problem for the actual owner of the account. I spent an hour on the phone with a customer service representative changing my password and user ID and we could not get me access to my investment account. I requested to be transferred to a technical support tech but was told she had to put in a trouble ticket and someone would call me. I have not received a call from WFAM to resolve this issue. I have tried to two different browsers ( XXXX, XXXX  ) and nothing works. Everything I try to login I get an error message that says the system is not available at this time and we are sorry for the inconvenience. This is the third day with this issue. I have investments with XXXX, XXXX, and XXXX and their three step login process works fine.I want access to my funds so I can move them to another brokerage because of this unresolved issue. No notice was given to clients in writing or email that they were changing how we login.

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