BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-18
Company: V and H Portfolio
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Vance & Huffman llc keep sending me a billing statement when asked in writing for them to send me proof including a wet signature that I signed a contract with them and I owe them money as well as the original contract they can not produce. Since this collection agency can not produce original contract between me and this collection agency with my signature that I owe this collection agency money this collection account needs to be deleted from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Capital One lowered the interest yield on my 360 Savings account to virtually nothing and created a completely different Savings accounts product called " Performance Savings '' with a much better interest rate, for no apparent reason. So I was left with an inferior product, after having the 360 Savings account for several years, until I opened a new Performance Savings account, where I had to set up new overdraft protection, etc. This feels either malicious toward existing customers or ignorant of their product suite on Capital One Bank 's part as there was no reason not to either a ) keep a higher interest rate on my old savings account or b ) upgrade my account to the new product, if they were just going to give the higher rate on new " Performance '' accounts anyway. I'm sure thousands of other customers haven't noticed the drop yet as it was not communicated to me in any obvious way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint to the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). The lender has also failed to provide a response to the QWR and NOE submitted in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.

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 2020-02-12
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
this company AMCOL has already acknowledged debt to be invalid, removed the reporting only to come back time and time again to report it again and again

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to get a refund from my escrow account since XX/XX/19 for reimbursement for my homeowner 's insurance premium paid by me on XX/XX/19. Despite repeated letters with all documentation necessary to process my refund, including but not limited to, the homeowners insurance declarations sheet and paid receipt, all I have received are " non-letters '' from Mr. Cooper stating they have received my request and will respond on some future promised date which passes with no consequence. The CFPB just forwards the same letters I have sent Mr. Cooper previously and I just receive another non-letter with another future date, but no resolution and again no consequence. It has been almost four months since I first contacted my mortgage company who is illegally holding my escrow monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Experian Information Solutions Inc.
State: OH
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:
My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$100.00} XXXX   XXXX {$310.00} STATE OF MI OFFICE CHI XXXX {$980.00}

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 2020-06-22
Company: Experian Information Solutions Inc.
State: MS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Your agency has sent a refusal to investigate my credit file, claiming my request Doesnt seem to come from me. PLEASE EXPLAIN WHAT THIS MEANS. You have received my ID, SSN, and LATEST BILL. Is there a law against my getting guidance and/or assistance? This effort from your agency seems biased and concerted since many in our credit group have used this avenue successfully and suddenly you claim an issue. Your agency has a well-known reputation so I sought professional advice in creating a paper trail to document any violations of the FCRA. Additionally, your delays add up to more than 30 days which violates FCRA rules. Please immediately remove the items in question below. 

ACCOUNTS XXXX  XXXX XXXX  XXXX XXXX XXXX never late XXXX  XXXX XXXX  XXXX XXXX XXXX never late XXXX  XXXX XXXX  XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX  XXXX XXXX never late XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine INQUIRIES EXPERIAN XXXX XXXX XX/XX/XXXX unauthorized EXPERIAN XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized EXPERIAN XXXX XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX  XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX/XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX  XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX/XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized EXPERIAN XXXX XXXX XX/XX/XXXX unauthorized AS REPORTED, THESE ARE NOT MINE Please sent me dispute results and a complete updated copy of 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 2017-08-21
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I receive a letter from CITI stating that I had enrolled in Credit Protection ... which I NEVER ENROLL!! ... ..I never gave any one my concent to do so ... ..this is robbery on their part .... reference number ... 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 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-06-18
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2020-02-12
Company: ONLINE Information Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have 2 medical Bills from end of 2019. I have had full Medical insurance since XX/XX/2019. I was not made aware of these charges from my insurance carriers. This is covered by my in network insurance. XXXX XXXX XXXX XXXX. If money is owed I pay my insurance. They pay amount based on my insurance. Which makes me believe that the medical professionals didnt submit proper paperwork to my insurance. They need to remove and contact my provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My federal student loans ( XXXX ) were recently transferred from my one servicer to another. My loans were transferred from Great Lakes ( ID XXXX ) to Nelnet ( Acct. XXXX ). On XX/XX/XXXX I received an email from Great Lakes notifying me of the transfer effective XX/XX/XXXX. On XX/XX/XXXX I received a similar email from the XXXX XXXX XXXXXXXX. On XX/XX/XXXX I attempted to set up my account on Nelnet & the website would not allow an account set up. On XX/XX/XXXX I attempted to chat & phone Nelnet but was unable to reach an agent. The messages that I received in response to my attempts to phone or chat with Nelnet indicated that I did not have an existing account. On XX/XX/XXXX I again attempted to contact Nelnet by phone & was able to reach XXXX who informed me I should be able to set up my Nelnet online account around XX/XX/XXXX. Today, XX/XX/XXXX, I set up my Nelnet account & discovered that none of my payment history with Nelnet transferred from Great Lakes, but, of course, all payment due information did transfer. I signed into my former Great Lakes account to discover the same. None of the payment history was available, but the original balances, prior to any of my payments, were visiable. I chatted with Great Lakes today, XX/XX/XXXX, & was told I would have to reach out to Nelnet for the XXXXXXXX XXXX XXXX to receive a record of my payment history. The Great Lakes agent was able to see my payment history but because it was " greyed out '' she was unable to send the record to me. I then chatted with Nelnet who could not explain why the payment history is not visible. I was also told that the Great Lakes payment history will never show on my Nelnet account but the agent agreed to email me a record of the payment history within 20 minutes. If both servicers have instant, visible access to my payment history, why don't I have the same ability? I have not yet received that email. It is not acceptable to me that a loan transfer to a different servicer results in the disappearance & unavailabiity of payment history on the online website of both servicers. I keep good records, including my payment history, but what if my servicer 's records differ from mine? Payment history is critical information that should be available at all times to all borrowers. I want to receive a copy of my payment history promptly & I want my entire payment history, including payments made to Great Lakes, to be visible on the Nelnet account. I have attached a copy of my chats today with both servicers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have submitted my FTC and police department reports regarding my identity theft to all three major credit bureaus on more than one occasion. A few marks have been corrected, in their defense, but not all of them even though I have disputed them several times. I am a single mother and I am trying to buy a home asap for my daughter, who is in college, and my infant son. They should not have to pay for a theifs wrong doings. I work hard to provide for my children to make sure they are contributing members of society. The goods were even delivered to the person, who stole my identity, home. The identity theifs name is XXXX XXXX XXXX and the address is XXXX XXXX XXXX, XXXX XXXX, Texas XXXX. I have proof that I have not lived there in years. After she stole my belongings she had an order put in place so I could not come retrieve any of it. I clearly am not allowed to even go to the house much less receive, packages, credit cards or mail there. help me get this fixed. I'm desperate at this point. Thank you for your time and patience.

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 2017-09-09
Company: EQUIFAX, INC.
State: NH
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:
A security breach at Equifax on X/X/17 put my credit in jeopardy. I contacted the company was was informed I needed to place a 90 day fraud alert on my file. I feel that this should be the responsibility of Equifax! I protect my identity, my home ... I work hard for all that I have. I did n't do anything wrong and I do n't deserve to take care of this problem on my own. I went ahead and placed the fraud alert on my file and disputed incorrect information on my file like they told me too. Since this " resolution '', I have been informed by other sources of several other major problems. The only tool used to confirm whether one 's credit was jeopardized by this breach requires you to sign a waiver for joining any class-action lawsuit in the future. It is my right to know if my information is at risk by someone else 's hand and it 's my right to get justice for the wrongs done to me. Period. I did what I had to do to find out if my identity was at risk but I am furious that I wo n't be able to get my due justice. The other insane issue brought to my attention is this story that three executives from Equifax sold their stock the day after the breach. This data breach happened a month ago and was only brought to public light this week. Shameful! I demand my identity protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: MA
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 mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Experian Information Solutions Inc.
State: CA
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:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer report agency can not furnish a account without my written instruction XXXX XXXX XXXX XXXX XXXXXXXX Dept of Ed XXXX # XXXX U.S dept of education XXXX 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 2020-02-12
Company: I.C. System, 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: Account status incorrect

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX was informed by the attached Dispute Letter that the {$190.00} charge was incorrect and they should not report my account delinquent. They then sold my {$190.00} " collection opportunity '' to I C Systems Collections who then reported my account as delinquent in XX/XX/XXXX ( SEVEN YEARS LATER ). Luckily I kept the original Dispute Letter.

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 2020-02-12
Company: EQUIFAX, 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 still waiting on a new corrected credit score from Equifax in which I reported originally on XXXX ( Equifax reference XXXX-XXXX/Confirmation # XXXX ), stating that the current score of XXXX was not legitimate and should have been upgraded or kept stable at XXXX after the XXXX update with an increased point upgrade of near or over a 700 credit score, in comparison to both XXXX and XXXX  with both showing higher scores. It is nearing another 30 days ( due XXXX ) to update my score again from the last report on XXXX and Equifax still has not corrected or brought my score back up to normal status since I feel that there is still an ongoing security breach still existing that they wont admit when I spoke with them on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX, has violated my rights. 

15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states a customer reporting agency can not furnish a account without my written instructions.

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 2017-09-09
Company: EQUIFAX, INC.
State: OR
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 mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their own ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident. This failure on the part of Equifax to secure my personal information such as my SSN has now has cost me several hours, some money ( to freeze my credit with 4 bureaus ( including Equifax themselves ) and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future for the rest of my life. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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: Reporting company used your report improperly

Complaint:
Equifax kept consumer records, mine included, in a non-hardened and un-secure web database. This has been in the news lately, and the company admitted that the information ( social security numbers, names, addresses, driver 's license numbers ) of over 100 million Americans are now in the hand of foreign hackers. 

To make matters worse, Equifax waited over a month to make consumers aware of this breach. This obviously impacts measures consumers could have taken to protect themselves from fraud. 

Equifax 's irresponsibility continued, as top executives sold off huge amounts of stock to cover their XXXX and wallets once the breach was announced. Needless to say, this is extremely ILLEGAL.

Company response to consumer: Closed with explanation