BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-07
Company: CCS Financial Services, Inc.
State: KS
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
All State insurance agent created a mortgage and auto policy for me and my wife without our consent, signature or verbal approval. I have text conversation with this agent where I specifically request this person that we are NOT interested in buying his policy. They took out information on the pretext of giving us a competitive quote however despite our request to NOT create any policy for us they started a policy without our consent. The agent withdrew money from our escrow account to pay for mortgage and auto loans despite r being asked NOT to do so. When we reached out to dispute this with the XXXX agent, he refunded us the amount. However since then we have been receiving bills, calls, texts and emails from debt collection services to collect {$200.00} debt to XXXX XXXX. This XXXX agent must be audited and debt collection services should be able to dispute this with their clients. Instead, debt collection services is asking us details and a copy of our actual insurance policy!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: IN
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:
2015 Bankruptcy is incorrect. I never hired the attorney listed on this bankruptcy and items listed are not mine. Someone elses bankruptcy is listed on my credit. Also, previously used names do not belong to me. My credit was affected when the credit breach happened and I was apart if the lawsuit. XXXX XXXX has removed the bankruptcy and inaccurate names as well as the chase bank charge off that is not mine. Experian is still reporting these items to my credit report. I have contacted Experian about 10 times to file a dispute to have removed. I have proof to show I paid my car loans and have receipt for pay off and I have never filed bankruptcy on a car loan. I want Experian to remove the items off my credit report immediately.

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 2023-03-08
Company: Synovus Bank
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 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 an account account without my written instructions under 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 2023-03-07
Company: CCS Financial Services, Inc.
State: WI
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:
Initially, my issue was that XXXX did not post my payment after the policy cancellation. I can not do anything about that now, I looked back at my statements, and my check did not debit from my account, so I am unaware of where this payment went. I since paid it to XXXX when I was alerted to this fiasco. 

I previously corresponded with his company via my complaint through the XXXX. CCS ignored my statements in my complaint. They say they mailed me, yet I have not received any mail and only received notification of this collection via credit karma. How can I prove this company 's mail did not arrive to me? Why would I ignore a threatening collection if I have been working for YEARS to repair my credit? 

This account should have never been in collections! This situation is so completely maddening. Please, in good faith, remove this from my reports. I never received notifications, which alone is a violation, and this should have never been in the hands of this company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: IL
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:
The account of XXXX XXXX is not reflecting consistent or accurate information. I have advised the bureaus, cfpb and the XXXX  and this account is still reflecting inaccurately on my credit files. 
Dates, are wrong and or incorrect, reported dates inaccurate, late payments inaccurate. There are many inaccurate items. 
There is also a new inquiry from XXXX XXXX that is unauthorized. I have not granted any permission to run my credit for a student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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:
I XXXX XXXX XXXX my SSN is XXXX and my XXXX is XX/XX/1994. I reviewed my consumer reports and noticed that there was an inaccurate account ( s ) on my credit report! 
I am a ( XXXX VETERAN ) have been experiencing depressions and Hardship I had a my personal information stolen I have a police report I will upload! I reviewed my consumers reports and notice that I had serval late payments on accounts that I was never late for. Also, there are fraudulent accounts on my consumer report! Consumer reporting agencies have assume a virtual roll and have a responsibility to report consume to the best of their ability with maximum accuracy. I have never been late for payment for any of these accounts and some of these accounts are fraudulent accounts Delete these accounts from my consumer report and Fraudulent addresses! 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX # XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX  # XXXXXXXX XXXX XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX I contacted Experian and asked for them to investigate & remove the inaccurate accounts from my consumer report that they are illegally reporting, and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof. 

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these accounts to be DELETED /BLOCKED from my consumer report, or payment history must be updated to on time as they should be as I was never late.

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 2023-06-19
Company: NAVY FEDERAL CREDIT UNION
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
A little over a month ago, I walked into the NFCU branch located on XXXX XXXX in XXXX XXXX, MD, and I waited to be seen by a Mortgage consultant or member service rep. I walked in her office and informed her that I wanted to apply for a mortgage loan. She asked me a few questions and I told her IMMEDIATELY that I'm a member of the HPAP program and I had my eligibility letter in hand to show her proof. She proceeded to immediately say " I don't need to see the paper, your lender will need that, I'm just doing the application with you. '' I said o ok, then she asked for my ID and then she left out the office. Once she came back she gave me my ID back and the said, " I'm sorry but I have a XXXX o'clock appointment and it's XXXX so I won't be able to help you. '' She said you can wait till I'm done which can take hours or come back ''. " She said nobody else there would be able to help me. '' I politely got up and left. But I was upset from her terrible customer service. How did she not know that she had an appointment? I went home and called NFCU to do a mortgage application over the phone the same day. The guy on the line was nice and patient and he told me that he wasn't aware of the HPAP program but will send the application anyway, and he did. The BIGGEST ISSUE I HAVE IS THAT NO ONE, OUT OF 2 PEOPLE HAVE SAID, WE DON'T ACCEPT HPAP, SO I WAITED FOR A MONTH FOR THE STATUS OF MY APPLICATION, I WAS PRE-APPROVED, AND LATER DENIED BECAUSE NFCU DOESN'T ACCEPT HPAP APPLICANTS. MY CREDIT WAS PULLED SO I LOST POINTS DUE THE THESE 2 REPS NEGLIGENCE AND XXXX XXXX AND XXXX XXXX ARE XXXX THEY SHOULD BE FIRED. ITS ABSOLUTELY NO REASON WHY I SHOULD HAVE WENT THRU THIS HEADACHE OF A PROCESS. 4 PEOPLE AT THIS BANK FAILED!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I financed a loan with Wellsfargo and was talked into refinancing my loan. Over the years I realized that I was almost finished paying off my mortgage, however I had to start another 30-year mortgage over. I lost lots of money by starting a 30 year mortgage loan over, by refinancing my existing mortgage loan.This deceitful tactic has made me feel like I was cheated out of my money.

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 2023-03-24
Company: Westlake Services, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This involves XXXX XXXX Westlake Portfolio Management. If they are doing this to me- they are most likely doing it to everyone and it is a matter of business practices. I hope you are able to use this case to put with others and get them to correct their business practices to be better in line with our laws and consumer protections or stop doing business so others are not harmed. 
This is what I have submitted at the XXXX for XXXX and Westlake Portfolio Management, each : I am trying to make a payment to Westlake Portfolio for XXXX Payments. Their system repeatedly says " Sorry, currently our system can't process your request. Please contact customer service at ( XXXX ) XXXX. '' But when I call the number provided they say they will not fix their payment portal but that I have to pay them over the phone - which is a ) not secure over the phone and b ) does not fix the problem so I will have to call again next month and the month after because they refuse to fix their system problems. Then they threatened me to ruin my credit by reporting me to all the credit agencies if I do not give him my credit card information over the phone rather than fixing their secure online payment system so I can long in and make my payments. " You are already 10 days late and I need to take this over the phone today ... '' In fact I have the email with XXXX from XXXX trying to pay them and it is now XXXX. 

I am now filing with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) against XXXX and Byte because my contract was with XXXX and they sold this contract to an inept and possibly illegal collection company and/or according to the website it is " XXXX Powered By Westlake ''. My hope is the Federal Government will be able to compile other cases and investigate. 

I contacted XXXX to get this resolved also and they simply gave me a form email to contact Westlake instead of resolving the problem either - and round and round we go while my credit is being ruined by these fraudsters!

You can see by the heading on their website that both Westlake and XXXX are responsible for this but neither of them is fixing the problem.

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 2023-02-23
Company: MOHELA
State: PA
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:
I have been making qualifying payments on my student loans since XXXX. I was told the correct payment count was reflected on Mohela, but it is not reflecting the accurate payment count I have made to date. I am unable to reach them via email or phone in spite of numerous attempts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: EQUIFAX, INC.
State: NY
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:
Representatives at XXXX  XXXX sold account ( XXXX ) to Account Purchaser : XXXX XXXX XXXX, XXXX on XX/XX/2017. The methods used by XXXX XXXX XXXX, XXXX were threatening, intimidating, and harrassing. Complaint ID numbers XXXX, XXXX, XXXX, XXXX, XXXX, was submitted via Consumer Financial Protection Bureau. 
12 CFR 226.13 ( a ) : XXXX  XXXX Services violated the Fair Credit Billing Act by refusing to acknowlede the dispute within XXXX ( XXXX ) days pursuant to 15 USC 1666 ( a ) ( XXXX ) ( A ). XXXX XXXX XXXX XXXX XXXX refused to provide written explanations or reports following investigations pursuant to 15 USC 1666 ( a ) ( 3 ) ( B ) ( ii ) ; refused to produce documenation as evidence within 90 days pursuant to 15 USC 1666 ( a ) ( 3 ) ( B ) ( ii ) ; added restrictions to the account a total of ( 3 ) three times pending a resolution pursuant to 15 USC 1666 ( d ). 
FAIR CREDIT BILLING ACT VIOLATIONS include : 12 CFR 226.13 ( d ) ( 1 ), 15 USC 1640 ( a ) ( 1 ) & ( 2 ), 15 USC 1611 ( XXXX ) & ( XXXX ). XXXX XXXX received private negotiable instruments, also referred to as transation credits, from XXXX XXXX XXXX in the approximate amount of the alleged debt plus additional payments resulting in a bank liability. Consequently, there is no debt on the account and the claim was disputed. XXXX XXXX XXXX XXXX has been denied credit lines, business loans, personal loans over XXXX times since XXXX due to XXXX XXXX  errors, libel and slander causing hundreds of thousands of dollars in damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
During XXXX out break I had a checking account with Wells Fargo and during that time they still were charging despite many attempts on my end to explain hardship with my employer closing because I work in childcare also being pregnant at that time.

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 2023-01-20
Company: EQUIFAX, INC.
State: FL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update these in my file : 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 2023-01-20
Company: Convergent Resources, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Convergent Outsourcing ( original creditor sprint ) is reporting inaccurately on my credit report. the open date is listed as XXXX The original date was actually in XXXX. This debt has been re aged and according to FCRA Section 623 ( 5 ) ( A ) re-aging is an illegal act. The company can not provide any record of this debt on the date listed and i am requesting that it be removed from all of my reports for inaccurate and possibly fraudulent activity.

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 2023-03-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was in the XXXX  and some how my things were stolen from the locker that I had placed my things in. This locker had my wallet, phone and coat in it. When I came back everything was gone. When I got news that my things were missing, I called the bank and filed the dispute and waited and they said they found no error. They denied me getting my money back. No information was asked to be sent or anything. This is fraud on the bank because I should be protected by the FDIC. Why am I being denied my money when I did not make those transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: TX
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:
To whom it may concern : I challenge the accuracy of my credit report and ask that you review your data to ensure that it is up-to-date and compliant with FCRA section 611 and Metro 2 reporting standards . I am concerned about the potential for inaccuracies in my profile and require that all inquiries have a permissible purpose and be accurately sourced. I also demand the permanent removal of any inaccuracies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: MD
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 applied for a loan yesterday and was told a delinquent account with XXXX existed which dropped my score from XXXX to XXXX! The lender says all 3 bureaus ( XXXX, XXXX and Experian ) have the delinquent account listed. I have never opened an account with XXXX. I called XXXX in XX/XX/2022 and the rep stated they didn't have me as an accountholder at all. After that call, I contacted XXXX to dispute the account and it was removed. Then in XX/XX/2022 I reviewed my credit file and it appeared again. I'm a retired XXXX veteran and senior with a fixed income who takes pride in my credit rating and should not have to continue to call and email to remove this erroneous account which is negatively impacted me. Please help.

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 2023-02-23
Company: Experian Information Solutions Inc.
State: IL
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$11000.00} XX/XX/XXXX XXXX XXXX  XXXX {$0.00} XX/XX/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