BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-08
Company: Seterus, 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: Account information incorrect

Complaint:
XXXX   XXXX   sold moved my mortgage to a debt collector playing mortgage handler ( Seterus ). I have been trying for 4 years to get Seterus to correct my information within their company and what is being reported to the  XXXX  credit reporting agencies. I have filed disputes and made millions of calls to all involved and eac h one p oints the finger at the other but NO ONE is fixing it. I have called   XXXX   XXXX    who also contacted Seterus to fix the issue and was told they had to close the claim as the company said they would resolve it. It is not resolved and I can not get a re-fi because my credit is messed up and they refuse to look at me until it is right. Credit reporting agencies can not fix it unless they hear back from mtg company and  XXXX  has dropped the account all together off my credit. I have now lost out on the lower interest rates and am being held hostage by this company. Attorneys want to much money and NO ONE cares, within the government or their agencies, that there is fraudulent info on my acct.

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 2022-09-14
Company: Experian Information Solutions Inc.
State: PA
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:
On Sunday XXXX XXXX I received a notification from my credit monitoring company that XXXX XXXX XXXXXXXX had checked my credit report due to an application for a credit card. The person or persons had applied for a credit card using my information on XX/XX/2022. The credit monitoring company that notified me of this incident is Experian. I called Experian on Monday XXXX XXXX to let them know that I was not the person who applied for the credit card. Experian immediately removed the inquiry for my account. Experian informed me that I needed to filed with the FTC regarding this incident. They also advised me to call XXXX XXXX XXXX and let them know that my information had been stolen and someone had used it to apply for a credit card. I called XXXX XXXX XXXX on XX/XX/2022 and explain the situation to them. They looked into the incident and put a stop to any future application that involve my information or name.

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 2022-09-14
Company: Navient Solutions, 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: Account information incorrect

Complaint:
From XXXX to XXXX the loan balance was incorrect. This loan was from XXXX. I owe the XXXX. But Navient falsely put on my report that I owed over XXXX. And they continued to do this. I want the account information removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: WELLS FARGO & COMPANY
State: CO
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 purchased office furniture and they never sent me a bill but then reported me late to the credit bureaus. We knew a payment would be due, we just did n't know when and they never sent us a bill. By the time we got it straightened out we had a late payment on our credit reports.

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 2017-06-08
Company: Experian Information Solutions Inc.
State: CA
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 sent this company a dispute letter dated  XXXX   XXXX ,  2017. H ere I had pointed out some blatantly incorrect trade line information that my credit report contained. I waited the allotted 30 days only to find this company had not rectified my report.  <P/> At this time I am reaching out to the CFPB and asking they investigate this company, as on the BBB website I have found thousands of complaint against this company where folks were suffering from the same mistreatment as I have.

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 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Please remove these fraudulent inquiries immediately these are results of identity theft. 
I did not obtain any of these good or services from : XXXX XXXX XXXX XX/XX/2022, XXXX XX/XX/2022XXXX XXXX XXXXXXXX XX/XX/2022, XXXX XXXX XX/XX/2022, and XXXX XXXX XX/XX/2022. I did not give consent for any of these inquiries reporting on my Transuion!!!!

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 2022-09-14
Company: Upgrade, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I met all the requirements for a {$500.00} bonus on XX/XX/XXXX. On XX/XX/XXXX, I called them to ask when I would get the bonus because their terms say I only need to wait 1-2 billing periods to get the bonus. They told me the first week of XX/XX/XXXX I will get the {$500.00} bonus. But I didn't get it the first week of XXXX. So I called again on XX/XX/XXXX. They told me within 3 business days, I will get the bonus. But I didn't get it after 1 week! I called them today XX/XX/XXXX. They told me I need to wait 40 days to get it! It is 100 % fraud. They knew I met all the requirements and it has passed the time frame. They just kept asking me to wait wait wait. This company doesn't have any credit for being trusted by the customers! Please help. 
Thank you,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was using XXXXXXXX XXXX to sell a watch. I was scammed by a XXXX user who created a fake XXXX business account. I was told to send {$500.00} to initiate the transaction so he could send the amount back. I was tricked. I am international student here in the US and little was I aware about these scams. 
This transaction happened on XX/XX/2022. On the same day I had reported Bank of America fraud department ( my financial institution ), I also filled few forms, written emails to XXXX. Apparently, XXXX has never responded to me. 
Bank of America has taken my complaint. They took 45 days to get back to me to say that they weren't able to resolve the issue as I authorized the transaction. 
I am very nervous about how my financial institution is not able to help me. I barely meet my living expenses, this situation is pushing me to more 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 2021-05-18
Company: Rocket Mortgage, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have my home loan thru Quicken Home Mortgage ( loan # XXXX ). Each year I ge an escrow shortage bill which dutifully pay in order to retain my current mortgage payment and each year this company says that I still owe money?? I paid that bill on XX/XX/2021. Today this company sent me a letter threatening me with foreclosure! I want this harassment to stop and show me legal justification for substitituting a new $ figure that does not correspond with the escrow shortage initial request. Along with hat offense that tack on a late fee which is illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Genesis FS Card Services, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX I called and reported my card stolen. They cancelled the card and said it would take 15 days for the new one to arrive. I said it was fine and hung up. 30 days later I called again. They said it had been sent back saying I couldn't be found. I gave them my address, again and they said they were sending a new card. 30 days later I called again, they asked me to wait a little longer. I waited until XX/XX/XXXX, which was officially 60 days later. They said by the end of the month. It's XX/XX/XXXX, no card. When I call the system says high call volume call and call back. I want cancel my card because I don't want to be charged monthly fees when I can't use card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am enforcing my Consumer Rights allowed by my Federal and state laws. I need you to verify all evidence from the furnisher that what they are providing you is legally acceptable and substantial proof in order for your decision for each account to remain. You are not allowed by law to speak or enact on my behalf as this is fraud, and that my friend is a major violation of the law. 


You need to have evidential proof or documents that you and the furnisher are made aware of the correct way of verification. Make sure that their information is compliant and proven. If not, I demand that you delete this illegal information immediately. 

This is the letter i sent to the credit agencies for the following accounts : Account Name : XXXX Bank Delaware Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : XXXX Account Name : XXXX XXXX Account Number : XXXX Balance : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
One XX/XX/XXXX, I received a letter from XXXX, XXXXstating that I had an escrow refund check issued in XXXX and it was canceled. I followed the instructions on the letter to fax a form stating to reissue the check. On the letter, it stated requests would be completed within 7-10 business days The form was faxed on XX/XX/XXXX. After sending several emails and leaving voicemails with the contact on the letter to follow up on the request, I did not receive any response. I then resorted to send a secured message through their website which got me the same result, no response. I finally was able to get in touch with someone through their customer service center, " we know it stated 7-10 days but we have received over 60, 000 requests '' and I should be getting a check now in mid XX/XX/XXXX. However they never would verify that the fax was even received. So I am not confident that mid XXXX will even be reached. 

If they knew the amount of requests was XXXX they should have known they would not have been able to meet the turnaround time-frame stated. Also, I am having a hard time believing that many customers did not receive or cash a refund check and am led to believe they never sent those checks thus trying to cover their tracks. This process feels deceptive on several levels.

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 2017-06-08
Company: EQUIFAX, INC.
State: CA
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 sent this company a dispute letter dated  XXXX   XXXX ,    2017.  Here I had pointed out some blatantly incorrect trade line information that my credit report contained. I waited the allotted 30 days only to find this company had not rectified my report.  <P/> At this time I am reaching out to the CFPB and asking they investigate this company, as on the BBB website I have found thousands of complaint against this company where folks were suffering from the same mistreatment as I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: JPMORGAN CHASE & CO.
State: LA
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 tried to set up recurring payments with Chase bank and they do not offer different amounts online. called  Chase vis a and they confirmed it. only way is to pay each month separate. when asked if this was to force minimum payment to collect interest he agreed. this practice has to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: EQUIFAX, INC.
State: NC
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: Nelnet, 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: Old information reappears or never goes away

Complaint:
RE : FIRSTMARK SERVICES NELNET Inc. D
ear CFPB : There is an account listed as Firstmark Services that does not belong to me on my credit report. Firstmark services is a division of Nelnet.

I had federal loans that where consolidated, Nelnet no longer has servicing rights because the loans are with another servicer. Yet, their is still credit reporting activities going on with Nelnet and the credit agencies. The individuals at Nelnet/Firstmark are conducting illegal student loan collection and credit reporting. 

They said I had a loan with XXXX and I attended the University of XXXX when I got the loan. This is false, I had never had a loan with XXXX. Yet they continue to say I am past due and failed to pay. 

At this time I am consulting with an attorney who is experienced in student loans and credit reporting. I am bringing this to the attention to the CFPB because I believe their is an individual at Nelnet who is engaged in illegal credit reporting activities and collection. 

The CFPB must investigate who is responsible for unfair, deceptive practices at Nelnet Inc. My attorney will be contacting them or a civil law suit may commence against the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: EQUIFAX, INC.
State: CT
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
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:
Equifax has refused to properly investigate   XXXX   ( a collection company ) that has erroneously ( with malice ) reported the same debt, twice, as a new collection item. The double-reporting of this collection item is fraudulent. This company has also refused to submit documentation showing date of first delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am writing to dispute an issue with Comenity Bank in regards to a credit card account that has been inaccessbile for months. I received emails notifying me that a payment is due, however, the system won't let me in because the phone number or website has not been working for months and in addition they are erroneously charged late fees for months. I have called the Customer Support number and inaccessible to customers I would like this corrected, late charges refunded as soonest possible and be able to speak to an agent to close the account as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: PA
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:
Equifax has created reports that I never instructed nor consented to being made. They also have not exercised their grave responsibility and were unfair, partial and did not respect my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have sent 3 rounds of dispute letters to all 3 major credit bureaus disputing the information of a bankruptcy showing up on my credit reports. They keep coming back verified. 

The court house has already confirmed they do not release information of the public record to third parties like the credit bureaus. 
The information need to be verified via XXXX XXXX. 

I have placed a security freeze on my XXXX XXXX files effective XX/XX/2018. 

However the credit bureaus continue to say they have verified the information which is impossible! They also have not been able to furnish an original signature of the public record because it does not exist. 

Please help get this corrected. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Experian Information Solutions Inc.
State: NM
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  and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to 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 explanation
Consumer complaint received 2020-12-13
Company: I.C. System, 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:
I never signed a contract with this company. Im not sure where they came from and it just appeared on my credit 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 explanation
Consumer complaint received 2021-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
XXXX XXXX is currently reporting to two credit bureaus, XXXX and XXXX. I've made all of my payments on time, as well as kept my balance low on this card since I opened XXXX XXXX. I advised this company that I do not own a printer and they insist that I send them a blank copy of my report showing that they are not reporting to transunion. I also am not welcomed to going to a public library at this time as I have kept my word by paying my fees for credit card and any balances on time. My credit score for transunion is XXXX and for XXXX XXXX at this time which is tremendously different at eyesight. This is not fair to me as a consumer and false advertisement. XXXX claims to report to all three bureaus regardless of what the miscommunication is between the companies, I don't feel that this is fair reporting.

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