BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-08
Company: Prosper Marketplace, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I revived a summons from XXXX XXXX XXXX, XXXX. XXXX XXXX. I then called them XX/XX/2020. I spoke to a woman that said they were debt collectors. I asked if I could arrange payments of {$140.00} a month she was aggressive & wanted me to make 12 payments of {$440.00} every 2 weeks. I explained to her I could not do that she then said she needed to speak to her supervisor & she would call me back. Come Monday XX/XX/XXXX I call them to follow up with every call I attempted to make to them the phone seemed disconnected or will not take calls from my phone. The debt collectors name was XXXX XXXX. I can no longer get ahold of them to resolve this 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 2021-09-01
Company: GOLDMAN SACHS BANK USA
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft DEPT OF ED Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft GS BANK USA Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: Monarch Recovery Holdings, Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Never received anything about alleged debt through mail. Repeated phone calls and threats to family members regarding alleged 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 2020-01-08
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 is reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that is it impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX bank, date of discovery XX/XX/2018, I Filed a police report for identity theft, I also followed direct from ftc and sent dispute letter to company. They submited information back stating the account was correct. The amount of the credit debt is {$920.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
i took out a career training loan in 2005 aprox {$26000.00}. i'v been paying on this loan since a total of over {$40000.00} and still owe round {$11000.00}. this loan is a variable rate and i called Navient to see if the interest rate could be converted to a fixed rate being that i have paid over {$40000.00} on this loan and they flat out told me no. Seriously, i have paid well over what was borrowed and they are not willing to work with me to try and get this loan at a fixed rate. i was not even asking for a loan forgiveness. i was told i would need to re-finance through another banking institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: EQUIFAX, INC.
State: NE
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/2019, I enrolled for ACH withdrawal of my mortgage payment on XXXX XXXX online account center and there were no errors shown. So I thought everything was setup correctly and so forgot about it. 

On XX/XX/2019, we found a letter on front porch of our house indicating that we were late on mortgage payments. I was surprised at seeing that and immediately logged into my account, and first thing I I did was to clear the pending balance on the account and then started investigating what happened. 

As I looked online at all the documents that they mailed, I did see that they did mail a notice to my home address about an issue with my ACH setup. But when looked at the address closely, I noticed that the mailing address was incorrect. The street address was correct but it had a different city and zip code. I was very sure that at one point I was receiving my statements from them, so when I looked at the old statements online, they had the correct mailing address until XX/XX/2019 but starting with XX/XX/2019 statement, they had incorrect address. I never contacted them to change the address and they changed my personal information without my consent. 

Due to unauthorized change of mailing address, I never received any notifications of incorrect ACH setup or about late payments. I now have a " 30 Day Late Payment '' remark on my credit report that has adversely impacting my credit score and will continue to impact for the next seven year. Had I know that there was an issue with my ACH  setup, I would have taken care of it immediately and resolved the issue before it went to past due status. All this for the mistake that the bank did on their part by changing the mailing address without my authorization. 

I tried to dispute this with the bank and the credit reporting agencies with no success. I kindly request you to please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: U.S. BANCORP
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I requested an appraisal to have my PMI removed. U.S. Bank declined to offer me this option. Instead, I was told I could pay for a Broker 's price opinion but had to appraise at a higher value, or I can pay close to $ XXXX to have the PMI removed. 

In XX/XX/XXXX, U.S. Bank refunded my {$600.00} appraisal fee because I had yet to meet the two-year mark to qualify. At that time, I was told my property value needs to rise to 20 percent equity to qualify. 

My original loan was {$260000.00}. 
My current balance is {$250000.00}. 

Based on the above, I qualify for PMI removal if my property appraises at {$320000.00}.

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 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 entered into consumer credit transactions in which I used my credit card as defined under 15 USC 1602 ( L ). Because I was the original creditor ( 15 USC 1602 ( g ) ), that was a private matter between me and said companies in which I extended the credit as the original creditor, but was then made public through my information being shared publicly in a consumer report by TransUnion, which is a violation to my rights to privacy as a consumer. Furthermore, TransUnion exercised unauthorized use ( pursuant 15 USC 1602 ( p ) ) by reporting my credit information ( publicly ) without my consent, which didnt benefit me, violating my rights as a consumer with the reported information ( see attached exhibits ). As a result, I experienced damages in the form of embarrassment and 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 2023-04-07
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I just received a call from Wells Fargo letting me know that they are still looking into this claim And they would send a letter stating so I just opened my email to find a message from this site and it shows claim is closed Doesnt make sense!!!

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 2020-01-08
Company: Experian Information Solutions Inc.
State: NE
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/2019, I enrolled for ACH withdrawal of my mortgage payment on XXXX XXXX online account center and there were no errors shown. So I thought everything was setup correctly and so forgot about it. 

On XX/XX/2019, we found a letter on front porch of our house indicating that we were late on mortgage payments. I was surprised at seeing that and immediately logged into my account, and first thing I I did was to clear the pending balance on the account and then started investigating what happened. 

As I looked online at all the documents that they mailed, I did see that they did mail a notice to my home address about an issue with my ACH setup. But when looked at the address closely, I noticed that the mailing address was incorrect. The street address was correct but it had a different city and zip code. I was very sure that at one point I was receiving my statements from them, so when I looked at the old statements online, they had the correct mailing address until XX/XX/2019 but starting with XX/XX/2019 statement, they had incorrect address. I never contacted them to change the address and they changed my personal information without my consent. 

Due to unauthorized change of mailing address, I never received any notifications of incorrect ACH setup or about late payments. I now have a " 30 Day Late Payment '' remark on my credit report that has adversely impacting my credit score and will continue to impact for the next seven year. Had I know that there was an issue with my ACH  setup, I would have taken care of it immediately and resolved the issue before it went to past due status. All this for the mistake that the bank did on their part by changing the mailing address without my authorization. 

I tried to dispute this with the bank and the credit reporting agencies with no success. I kindly request you to please help me resolve this issue.

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 2022-01-27
Company: EQUIFAX, INC.
State: TN
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:
The following hard inquiry remarks have been placed onto my credit report without my verbal or written consent to do so, is a direct violation of my rights under the FCRA and section 15 USC 1681B. Having these negative remarks on my report is preventing me from having the best score possible which is a hindrance if I feel the need to apply for new lines of credit in the future. Due to these facts given the following closed accounts must be removed : 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 XXXXXXXX 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 2019-11-22
Company: EQUIFAX, INC.
State: MI
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: Problem with personal statement of dispute

Complaint:
Equifax never showed proof of their investigation with XXXX. I asked them to investigate an Issue. I also told them to provide me with the original contract from the original Debtor with my signature and Equifax failed to do so. They sent me a later stating that the information is updated which should of been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Identity theft is the issue. On XX/XX/22 someone submitted an application to Comenity Capital Bank ( XXXX XXXX XXXX XXXX, Ohio XXXX ) and a hard credit inquiry was made on my credit report XX/XX/22 in spite of a fraud alert being posted with the credit agency. 
XX/XX/22 an XXXX XXXX  agent assisted me by filing a dispute on any card issued in my name. On Friday XX/XX/22 the agent and I finally reached a representative of Comenity Capital XXXX by phone ( after multiple attempts and extremely long wait times ). The representative said she had no record of an application under my name or any inquiry with a reporting agency. 
In spite of this denial I received a letter today from the XXXX Account Protection Team thanking me for my application and asking me to call at the number provided so they can verify my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-21
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 submitted a complaint to CFPB ( XXXX ) and XXXX denied the allegation and were snide in their response as well, I might add. Per XXXX 's letter dated X/XX/2017, 'We respectfully decline to request any changes to the information provided to the credit reporting agencies '. To this I reply, " XXXX, you are not at liberty to decline. It is the law that you delete the information per The Fair Credit Reporting Act and the State Attorney Generals Office of Consumer Affairs, because it is not accurate information as you purport. '' You are not truth telling when you state in your letter that you are reporting in a consistent and accurate manner to the agencies. I have attached, and have hard copies, from the three different credit bureaus to prove that you in fact have been reporting different balances and payment histories to all three agencies, to include wrong/different reporting for the month of XXXX  2017. Ill regardless of my payment arrangement, that I made a payment on today, you must delete the account as I am requesting by law, as you have violated credit reporting laws, and refuse to obey and delete. '' In your letter you mention a {$100.00} difference you credited me in the total remaining balance on my settlement agreement as the reason for the credit agencies having different totals, etc. The difference you are reporting to Transunion and XXXX is a {$2700.00} difference. And the XXXX  difference in comparison to what is being reported to XXXX is $ XXXXYou XXXX , suggest request that I contact the Credit reporting agencies regarding discrepancies. You contradict your earlier statement of, 'XXXX is merely a furnisher of credit information, and not the agency, and has no control of the contents of credit history maintained by the agency. ' You are the original reporter and must request that they delete this inaccurate/inconsistent account from all three agencies. I did not say delete my payment arrangement, I said delete this account off my record as is your responsibility to me the consumer, per fair credit reporting laws.

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 2022-01-27
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Hello, I moved out of XXXX on XX/XX/2021. I submitted a notice as required by my lease on XX/XX/2021. I noticed that the email bounced back because they switched management companies so I went in to talk to them in person. They told me to turn in the notice there and so I did. I moved out on XX/XX/2021. I went to the office to turn in my keys, left a forwarding address and my number that hasn't changed in XXXX years. They told me that if they had any problems they would bill me in aout XXXX months. In XX/XX/2021 I received a call from the collection agency IQ DATA INTERNATIONAL. At first I thought it was a scam because I had never received anything from XXXX. They were also yelling at me on a recorded line and cursing me out. I hanged up and immidiately called XXXX. They said they they never had my phone number to contact me and my address so they didnt bill me.They also attempted to charge me for not giving them a notice. Once I provided documentation that I did in fact sent a notice they agree to take off most of the amount and contact collections to which they never did. I then contacted IQ and told them I would be getting a lawyer to which they responded you dont have a XXXX laywer. ( It is on a recorded line ) I began crying and panicking because teh representative was yelling. I offered to provided documentation to which they said that I could not dispute. I have attached an email from XXXX admitting that they charge was incorrect and honestly it proves that they never attempted to collect any charges before submitting me to collections. This is now affecting my credit and the unproffesionalist of IQ DATA INTERNATIONAL has caused me XXXX XXXX that i refused to speak to them as they were verbally abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
BASED ON AGE OF ACCOUNT BY XXXX ACCOUNT SHOULD BE DELETED XXXX. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 
age of account XXXX XXXX XXXX : XXXX View account details Account status Age of Account Closed 10 years 6 months 24 days

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-24
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 status incorrect

Complaint:
WE had two vehicles financed through XXXX XXXX XXXX XXXX XXXX and were looking to refinance. We got a better offer from XXXX XXXX XXXX XXXX and went with them. XXXX sent over the check for the vehicles in time before our payments were due but XXXX XXXX decided to not process the buyouts in time and now my wife and my credit report shows as being late on a payment and it directly impacting our credit scores.I have reached out to XXXX and received nothing back.

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 2020-01-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
On XXXX XXXX thru XX/XX/2019 I preformed a manual audit on my account. 

I went on my online bank account and added all off my debit transactions that appeared on my ledger. 

When I added my entire ledger, I discovered lots of transactions the look malicious and a lot of these transactions appears to look really that exhausted {$110000.00} in funds into my account to exhausted my balance. 

I have made mortgage payments that I did not see not other funds that was deposited into my account to pay my mortgages. 

I did not make these transactions. At least a large some of them. 

I spoke with the bank to inform them from the record I was going to complete a manual audit on my account. 

I am aware that these actions have happen before on my dad deceased account where money was withdrawn from his account on the day of his death by a poa. Then the statements said something different. 

I went into a branch and a personal banker told me this and I have not been able to recover those funds from the fraudulent act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My daughter visited a doctor in XXXX where she is a college student. The doctor sent the bill to a previous address. The doctor turned the bill over to Wakefield and Associates in XXXX, TN. She told them to contact me ( her mother ) as I was responsible. They are still contacting her. I have contacted Wakefield at least 7 times in the past 8 months requesting a written statement for the bill. Last night ( XX/XX/XXXX ) I spoke to XXXX who claimed he sent me a bill on XX/XX/XXXX. I told him I never received it and once I received it I would be happy to pay the bill. I have a credit score in the high 700s and  always pay my bills in a timely manner.

Wakefield and Associates are contacting my daughter even though she has told them to contact me. They will not send me a written statement.

Wakefield and Associates phone number is XXXX.

Company response to consumer: Closed with explanation