BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-10
Company: EQUIFAX, INC.
State: GA
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 only have 3 accounts on my credit report and the balances are never accurate. I'm XXXX and most purchases are from online shopping. When stores issue credit back, I must call and babysit until completed. It took XXXX from XX/XX/XXXX through end of XXXX to credit card from XXXX purchase for damaged table. Despite XXXX crediting account back in XXXX. This caused a discrepancy of over {$200.00}. I recorded all phone calls as I am XXXX. I used the card in XXXX XXXX $ is the balance for XXXX.and currently. This impacted my scores across all 3 bureaus. My checking account has been at XXXX since moving to GA in XX/XX/2007. Next is XXXX and XXXX. XXXX closed old card and opened new card due to card not working and balance report issues. It's on autopay and secured. After payments. It takes minimum 72hrs to  post to account. Balance is incorrect. Its {$97.00}. XXXX balance is {$190.00}. Both decreased every month haven't used them. Excellent pay history! However my score has been going down every month. Please assist! I think because I'm XXXX and a XXXX  once my scores were above 700 they started going down despite my perfect paying history and sending in statements and calling these rude agents who make my XXXX start. Its crazy! Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-01-10
Company: CITIBANK, N.A.
State: CA
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:
I was checking my credit report, and discovered a fraudulent account is reporting by MACY'S/DSNB ( ACC NO : XXXX ). I contacted with Macy 's and credit reporting agencies and stated that this Macy 's account did not belong to me. Also, I filed FTC Identity theft report and submitted this document to the company and credit bureaus. The XXXX, XXXX, and XXXX  deleted this fraudulent account. After all, XXXX reinserted the fraudulent account back to 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 2022-06-16
Company: Social Finance, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a conventional home loan with SoFi mortgage for which I have elected to receive only electronic documentation. In the last month I have become unable to access any information about the mortgage from the SoFi website. This include the remaining balance, upcoming payments, status of tax payments and insurance. I have tried several times to speak with customer service via phone and email and this has been unsuccessful in resolving the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
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:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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 2017-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX shows with TransUnion I have a balance of XXXX, however this has been paid in full.

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 2020-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm not responsible for this account, i have any contracts or agreements with my signature.

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 2016-12-28
Company: Freedom Mortgage Company
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XX/XX/2016 my wife and I sent an overnight package containing documents for possible loan modification to Freedom Mortgage 's loss mitigation department. I have called multiple times to check on the status of our case, Freedom Mortgage tells us form XXXX is missing, but then Freedom Mortgage verifies later that the document has been received and the loss mitigation department needs to evaluate the form and for my wife and I to call back several days later and check on the status, but when I call back, again Freedom Mortgage claims they still need the XXXX form, but after checking find the document and tells me to again call back and check the status. This has been ongoing for several weeks now. My wife and I have done everything possible to reach out for assistance from Freedom Mortgage. It seems they are trying to discourage us from proceeding and to give up. We sent the revised XXXX form on XX/XX/2016 and we have been waiting for our possible modification to move forward. We were told a single point of contact will be assigned to us within the loss mitigation department, this has not happened yet.

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 2020-06-21
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$30000.00}, {$560.00}, {$7100.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 


-- PERSONAL ACCOUNT 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 explanation
Consumer complaint received 2018-02-10
Company: EQUIFAX, INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to XXXX XXXX XXXX about this account from XXXX XXXX. XXXX XXXX XXXX doesnt have any signed signature of mines or a signed contract. I have disputed this account with all 3 CRA there was no form of verification with my signature or contract. I asked XXXX XXXX XXXX to provide me with a original signed contract with my signature they have yet to send me anything. I also reached out to XXXX XXXX and they dont have an original signed contract with my signature either. This document that I submitted is all the information XXXX XXXX XXXX sent me nothing with my signed signature or original contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/2017, I paid Capital One {$1200.00}, representing a timely and full payment of the previous balance on my credit card account, yet contrary to banking laws and the members ' contract with Capital One, I was charged {$17.00} in interest on the following monthly statement -- literally an interest charge on a XXXX balance. I have written Capital One several times about this matter with at least two letters informing XXXX XXXX or her office. Two responses from XXXX XXXX denied any wrong doing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-01
Company: Credit Control, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit Control , LLC has been attempting to collect on an alleged debt that has already been paid for due to a consumer credit transaction that took place with XXXX XXXX XXXX XXXX XXXXXXXX. I am a Federally Protected Consumer and Credit Control has violated me in many ways. Credit Control , LLC is a third party debt collector. I never gave Credit Control , LLC written or oral permission to have my information. I have a right to privacy and my privacy has been breached pursuant 15 USC 1692c ( b ). Credit Control , LLC has furnished information on my consumer report without my knowledge and permission pursuant 15 USC 1692c ( a ). Credit Control , LLC can not state that such consumer owes a debt 15 USC 1692b ( 2 ). I mailed Credit Control , LLC a debt validation along with a cease and desist. I received no response in over a month. After I sent another company who they are affiliated with they then send me a statement on this 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 2019-11-13
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There are apparently several models for your FICO score. For example : My FICO score through Experian 's FICO Score XXXX model is reporting XXXX while it's XXXX for the FICO score XXXX model. Score XXXX is what lenders use for mortgages. I have never been late on a mortgage, and have even paid them off. This score in my opinion should be higher than the score XXXX, but instead it's 72 points lower. There is no explanation for this disparity and can not get answers from Experian, XXXX or XXXX. My complaint is against the FICO scoring system. They are also showing a low score on my auto, and I have never been late on an Autoloan. I have had 2 auto loans, both of which were paid in full.

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 2020-01-10
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2019, I lost my debit card. I also had my license and phone taken. 
Later that day when I gained access to my email, I saw a notification that my password for my banking account was changed. After gaining access to my account and changing the password, I saw that over {$4500.00} in charges were made with my debit card at various vendors after I lost possession. Upon seeing this, I called Well Fargo for assistance and made my claim. 

On XX/XX/XXXX, I received an email from Wells Fargo that the case was closed and I would be receiving a letter. I also received a call from them that same day where they asked me to clarify some issues. I called Wells Fargo on XX/XX/XXXX after not having received the letter to ask about the status of my claim. They informed me that my claim was denied.

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 monetary relief
Consumer complaint received 2017-01-14
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a home mortgage loan with Ditech. My name is XXXX XXXX. My loan originated with XXXX XXXX XXXX XX/XX/XXXX. I purchased my home with over 30 % deposit and decide not to set up an an escrow account to impound property taxes. Several years ago XXXX sold the loan to Greentree financial, then Ditech took over Greentree loan. I have never been delinquent in paying my mortgage ever. My spouse pays the mortgage automatically through his checking account electronically. I received a Call from a Ditech XX/XX/XXXX debt collector indicating I needed to call them. They were stating they were debt XXXX. I called them and apparently they are collecting for taxes they paid and late fees. I paid the property taxes, but asked them to not impound the taxes. I requested they waive those junk fees, because I pay my own taxes as my mortgage documents stipulate. ( loan # XXXX ) I also asked for a proper verification of debt, they refused. They refused to undo the impound escrow account. I was transfer from rep.to rep. I paid the taxes, even though I did not have a verification of debt, cause online statement says they paid it on the XX/XX/XXXX. They were due on XX/XX/XXXX. I made a payment today of {$1500.00} to go the property taxes. I want them to provide an itemization of what they paid, to do a reversal of all the junk fees they put on. My payments have always been on time. they refused to let me speak with managers, and did not respond to the fax I sent XX/XX/XXXX. I do not want them to report my payments as late. they need to review the docs I signed with XXXX to see I pay my own taxes and insurance. this is a ploy to try and foreclose on my home illegally. Property address is XXXX XXXX XXXX, XXXX CA XXXX. The XXXX county treasurer tax collector said they have created a lot of problems for home owners such as me. I ask for your assistance to solving this problem, since no one at Ditech cares about fixing the errors they made which are causing me financial distress. They also sent a debt collection letter with some other persons name one it and a different collection amount. They admitted sending lots of these letters out in error. I believe they did this to collect fees in an illegal manner. This predatory lending practices and it is unethical. Please assist me if handling this problem and email me at XXXXXXXXXXXX This is so stressful. I never had a problem with XXXX XXXX XXXX when they handled the loan. Thank you, XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: Franklin Credit Management Corporation
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
COMPLAINT # XXXXAfter request for help from XXXX CFPB sent XXXX notice of complaint as per CFPB letter dated XX/XX/XXXX. I have been working with XXXX to settle with Franklin Credit Management XXXX XXXX Lien Holder ) so that a Deed-In-Lieu can be accepted on my property at XXXX XXXX XXXX XXXX, NC XXXX. 

XX/XX/XXXX - XXXX informs me that on XX/XX/XXXX they sent a fax to Franklin Credit an offer to settle. Today I called XXXX credit to verify that they had received the offer and they claim that no offer has been received. Fax number sent was XXXX. I requested that XXXX send another fax with the offer to Fax # XXXX XXXX - XXXX ( Franklin Credit XXXX. 
Foreclosure hearing is on the XX/XX/XXXX. This will be the 4th Court Hearing! 
Both, XXXX and Franklin Credit call me almost daily, even today. I have given them all the information they requested to do a Deed-In-Lieu. Unfortunately, Franklin Credit does not seem to cooperate with XXXX and resolve the settlement so that there will be a clear title. 

This new complaint is directed in reference to Franklin Credit Management. The record should show XXXX recorded conversations ) well over 100 conversations concerning my account and no resolution in site. 

I ask that CFPB send a letter to Franklin Credit to work out a settlement so that a Deed-In-Lieu can proceed. 

Information on the account with Franklin Credit Management is as follows : Account XXXXFranklin Credit Management CorporationXXXX XXXX NJ XXXX XXXX have been trying to settle with Franklin since XX/XX/XXXX. The customer service is absolutely unacceptable. Last 3 way conversation with Franklin Credit, XXXX, and I this month, should have cleared any obstacles yet it has not! Someone is not telling the truth and I am to the point where I have no choice but to walk away. My personal finances are in a critical status and I do not know what to do. 

Your cooperation is urgently requested. 

Thank you, XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
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:
I WROTE THE CREDIT REPORTING AGENCY, ADVISING THERE WERE UNUATHORIZED AND UNVERIFIED INQUIRIIES AND ACCORDING TO THE FCRA ( FAIR CREDIT REPORTING ACT ), THESE INQUIRES MUST BE REMOVED. THE CREDIT REPORTING ANGENCY HAS NOT REMOVED THESE INQUIRIES.

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 2020-01-10
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX  XXXX # XXXX, and XXXX XXXX XXXX # XXXX & # XXXX are triple reporting an account to my credit report. All 3 of these accounts are reporting the same debt and this is a violation. I should not have this debt on here 3 times under different account numbers. This needs to be removed 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 2020-01-10
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In XX/XX/2019 my XXXX was totaled, I have Insurance with XXXX XXXX who was fairly quick to pay their part, however I also have GAP insurance through the Loan with BRIDGECREST. It has been a month and they still have not completed the process of paying the loan and I am not getting a clear answer why the process is taking soooo long. 

I have called XXXX about 7 times today trying to get someone to help me. I need some help because I am still driving around in a rental car. This is ridiculous it has been 2 months.

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