BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-07
Company: EQUIFAX, 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:
I have attempted numerous occasion in contacting Equifax concerning illegal use of my social to obtain a loan on  X/XX/2016.    XXXX   XXXX  l inquired  XXXX  on that date. I was actual online looking for a car loan when a pop up appear stated you had been pre qualified when a company I never heard of with my name pre polulated in the fields with my address. I began backing out of it and computer froze. I was basically hacked with virus on computer. Had to get fixed which took couple of weeks. When I was able to check my credit I shown multiple inquiries contacted a rep whom informed me to contact the company in which I asked them how they got my information some of the companies did not have any information and several banks said from online submisssion in which I did not authorize or gave permission. I had to get police report which I have fax multiple times showing a victim up fraud. These multiple inquiries is effecting my opportunity for a job. I have done my part and requesting and providing the necessary documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Navient Solutions, LLC.
State: VA
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:
On XX/XX/2020, the President signed the CARES Act, which in part provided protection for student loan borrowers from institutions taking negative actions relative to repayment. On XX/XX/2020, I received a letter from NAVIENT indicating it would halt all payments due until XX/XX/2020. On XX/XX/2020, I received an alert from XXXX stating that NAVIENT placed a negative remark on my XXXX, XXXX, and XXXX  credit profile, which caused my credit score to fall considerably. The negative remark basically stated that I was 30 days late in making my payment. 

On XX/XX/2020, I sent an email to NAVIENT to remind them of their commitment to forego all payments due until XX/XX/2020 based on the guidelines in the CARES Act. I also requested that NAVIENT remove all negative remarks that were placed on my credit profile immediately. 

I am an unemployed veteran who has been out of work for over two years. I do not have the ability to repay the school loans due to a lack of income, and do not foresee being in a position to do so anytime soon. I would appreciate it if someone from CFPB would intervene on my behalf and contact NAVIENT regarding this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/19 I submitted a dispute for the accounts with CMRE Financial ( # XXXX ) there are 4 accounts with the same account number. CMRE Financial verified to the credit bureaus that they are legally collecting the accounts. 

I sent a letter directly to CMRE on XX/XX/19 ( tracking USPS XXXX XXXX XXXX XXXX XXXX ), at this point because it is getting frustrating. I requested all documentation proving this account is mine, they have the right to collect and what they are using to calculate the debt they claim I owe. It has been past 30 days and they have not removed these accounts from my credit reports or provided all requested documentation. These accounts should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Genesis FS Card Services, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC1681 section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account Under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: WELLS FARGO & COMPANY
State: AZ
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:
Wells Fargo still is not reporting correctly to experian. Account is paid in full. They are reporting negatively on my report for over almost a year. Never updated anything. I believe experian is not investigating at all. All they have to do is call Wells Fargo like I did and get the facts correctly. Wells Fargo already said to me that they will get it reported correctly, but experian is lying to federal agency and myself and most likely others across America for centuries. This behavior needs to end now.

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 2021-05-13
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with Fair Credit Reporting Act XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX  Account # XXXX. USDOE/XXXX  Account # XXXX. XXXX Account # XXXX. XXXX XXXX Account # 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 Section604 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 2021-06-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. I was told I'd have to wait 180 days to receive the funds left in my wallet after numerous phone calls trying to figure out the reason for the restriction to no avail. Today I looked at my PayPal and see that they removed my entire balance without any notice, My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: Guild Mortgage Company LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
The situation with Guild Mortgage is getting worse. We have given the bank every document they have requested. Since XXXX I have lived in the property and have provided all documents required for a short sale. Nonetheless Guild Mortgage closed my file because they said that I do not live on the property because they have pictures showing so. This is a lie. In fact, I asked for the pictures to dispute them but I only received a couple which did not I indicate that I lived there. Further, I have submitted pictures of the property with my belongings in it. This is absurd they would halt my short sale and force me into foreclosure over a lie. I do reside in the property. 

I can't handle this situation anymore, I can't afford the mortgage and I'm living in the house. 
Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Experian Information Solutions Inc.
State: OH
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: Investigation took more than 30 days

Complaint:
I was looking over my credit report and I noticed that a 30 days late payments that were supposed to be removed XXXX XXXX XXXX. The date was XXXX, my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of closing on a mortgage and this late mark is preventing me from moving into my new home. I was under the COVID-19 SHUTDOWN and I believe I can use some help with the removal of the late payments I am currently full current yet the late marks are killing my credit score Icoulduse some accommodation to help protect my credit. The CARES Act calls these agreementsaccommodations. My SS XXXX DOB : XXXX. I had to move do to job loss and never had a bill update.

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 2021-02-18
Company: CITIBANK, N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I attempted to use my Citi credit card and was declined. I stood in line attempting to contact customer service but could not get a real person. I tried to use the app. They informed me that they had multiple accounts under my name. Citi is not trying to protect my identity they see multiple accounts and are doing nothing. When you ask they to just close the accounts and refund the annual fee because the servicing is bad. they are refusing to close the card they just want to send me a new card. This is typical CITI refusing to close accounts. 

CITI is taking advantage of me, i still can not understand if my identity was stolen, and they are refusing to close the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2019-12-13
Company: Statewide Credit Services Corp.
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was evicted out of a XXXX unit at XXXX XXXX XXXX, XXXX, XXXX XXXX, NY and i paid a deposit of around 11,000. I left the apartment at the 6 month and ongoing charges was accumulating without my acknowledgment. The excess charges are unknown to me. I never signed any document acknowledging the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After months of intense disputing with the credit bureaus, Capital One, and XXXX XXXX directly I thought this nightmare came to an end when the account was finally removed from my credit report, only to be woken up after a long days work by a collection agent from XXXX XXXX!! Not only did they totally belittle me, they told me I still owe the money, I still need to pay them, and they will still be doing everything to enforce their request for payment! I requested, by certified mail ( see attached ) that they no longer contact me by phone, I also sent them the fraud form I filed with the police! HOW DARE THEY!! PLEASE HELP ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am filing a complaint with   XXXX   XXXX   and  XXXX . I have sent a tota l of six ce rtified disputes letter to all   XXXX    Credit Reporting a gencies since  XX/XX/17   . In the dispute letter I was  requesting an original contract under Section 609 ( a ) ( 1 ) ( A ) with my signature on it based on the FCRA. For every letter I have sent them I got a letter and a credit report back stating all items have been verified and belonging to me. They have yet to send me an original contract with my signature on it as I asked them to in the dispute letters. According to 611 ( a ) ( 7 ) they have failed to provide the method of verification. Now the FCRA states under Section 611 ( a ) ( 7 ) and under 611 ( 5 ) ( A ) they are required   to promptly delete all information which can not be verified. I have included all of the FCRA information above in the disputes letter only to receive a response back to say all items were verified belonging to me.  XXXX  of the accounts have been paid in full. There is also  XXXX  accounts on my report from the original creditor and they have been sent to a collection agency. So all  XXXX   Credit Reporting age ncies are reporting the original creditor and the collection company that they have been sent to which is illegal. The other accounts have been charged off and I asked to delete them or prove to me that they were mine by sending me the original consumer contract with my signature on it and they have failed to do. The reason they have failed to do so is because they do not have it and will not delete the accounts or the inquiries from my credit report. I have spent almost {$100.00} sending certified letters to them every thirty days after I got a response back from each dispute letter only to see nothing has been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is the second time in two years that I am submitting the same exact complaint about Select Portfolio Servicing. Nothing was truly done then other than receiving their reply and closing my complaint. They also settled with the federal government for these very same practices that are occurring. 

I have been paying my mortgage, I am not 30 days late. I have paid my XXXX, XXXX and now XXXX payment this month. All my payments have been placed in a pending status yet again ( same as last year ). My account has three pending payments, also shows my account has a payment due date of XX/XX/2022, if all these payments were applied as they should be, my payment due date would be XX/XX/2022. 

Today on a phone call with SPS at XXXX XXXX  the customer service rep acknowledged my payments were not being applied, but he was trying to talk me into a mortgage modification which I said I would not discuss if they can not apply my payments correctly. The rep then tried to submit to correct this, his supervisor refused stating my account was in " forbearance '' with an outstanding modification offer. At no point did I ask for my mortgage to be put into forbearance or modified. 

I am asking my payments to be applied as they should when paid and for them to do their contractual duty with regard to servicing this mortgage. The federal government forced them into a previous settlement that SPS refuses to abide by yet again. I am also asking the government to do their duty and protect us from predatory practices like SPS continues to partake in. 

THIS IS MY SECOND COMPLAINT FOR THE SAME ISSUE IN TWO YEARS, DO SOMETHING AND FIX IT.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have on several occasions sent verification letters to this creditor and they have failed to respond. I need to verify what they are collecting on and reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is my second complain with Rent Recovery Solutions and first complaint with XXXX XXXXl At XXXX in XXXX, GA. On about XX/XX/21 my credit report update with a collections account from Rent Recovery Solutions for XXXXXXXX XXXX at XXXX in XXXX , GA. A few days later I contacted them and advised that this was fraud and requested they retract the credit bureau reporting . I advised their representatives that I already submitted a fraud letter to them and had already had one account removed. They refused and just wanted payment. I then contacted XXXX XXXX at XXXX property manager, XXXX and provided proof of the identity fraud. I asked her to have their collections agency remove the credit reporting. She is delaying and not being helpful with removing me from collections. I have an email chain of communications between me and the property manager attached. I've never lived in Georgia and Rent Recovery Solutions knows this from my previous complaint. I need this removed from my credit asap as it is causing me hardship in ability to obtain the credit standards I should be obtaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, 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:
This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: ERC
State: MN
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:
Enhanced Recovery Company a collection agency is attempting to collect on an alleged debt owed to XXXX a cable company. I had contacted XXXX disputing this alleged debt in which they did not put my account on vacation status which I had informed them to do. The XXXX representative stated they would adjust my bill. I am still a XXXX customer. I received no communication that XXXX was referring my account to a collections agency. After reviewing my credit report is when I noticed that Enhanced Recovery Company was reporting this alleged debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-10
Company: White Jacobs & Associates
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I hired XXXX XXXX to assist me with correcting items on my credit report that I did not believe to be accurate. I paid this company over {$1500.00} in fees. The agreement was that they were suppose to get these items deleted. Prior to contracting with them, I paid off my creditors and many of the accounts were removed. I received letters from the creditors indicating this. Some of the accounts were removed because they were fraudulent. I worked with the creditors to resolve the fraudulent accounts. XXXX XXXX was unsuccessful in aiding me in cleaning up my credit. I have given them over a year and I still have many many accounts still listed. They did very very little. Most of the items that have been corrected was because of work I did. They have been sending form letters to my creditors and the creditors sent me letters indicating the dispute letters provided by XXXX XXXX was insufficient. I was charged up front for credit repair services and did not get what I paid for. I fulfilled my end of the contract and they did not do what they were suppose to do. Whenever I received updates, I sent them. They have not worked on my file since XXXX when they were suppose to be actively working on it. They have a money back guarantee and when I inquired about it, they refused to honor their own guarantee because misleading information about the work they did was considered. Please investigate this company.

Company response to consumer: Closed with explanation