BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-06
Company: EQUIFAX, INC.
State: WI
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 am over Equifax and their lack of investigating anything. I have tried to get several things fixed and one of the main issues is my last name. I have sent them documentation showing my correct last name but no one is looking at anything!! They mandate I send proof with every correspondence yet they must not be reviewing what they are mandating. My last name is XXXX, not XXXX. The city I live in is XXXX. Just what does that say about anything they report? I have sent several and I do mean several request that they fix my name and they continue to send back wrong information. How can they get away with it? I am sending the same exact documentation I send to them each time showing MY NAME! If they have my last name wrong and continue to report it wrong, I'm wondering just how the heck are they able to validate anything?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: OR
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$210.00} ; 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 XXXX XXXX XXXX XXXX, OR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX ; XXXX XXXX XX/XX/XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
A few years ago I was heavily solicited by a Wells Fargo mortgage consultant, XXXX XXXX, to refinance a rental property I own in XXXX. I explained to her on several occasions that I had no interest due to the changes in mortgage insurance ( 1.2 to 1.55 % for the life of the loan vs XXXX until the loan reached XXXX loan to value ). She continued to aggressively pursue me stating that I can do a streamline FHA and not change my MI. Stating, " There are a lot of people who are n't familiar with this guideline since there is very few people fit the criteria. '' On multiple occasions I explained to her that I do n't like surprises and to fully disclose. She specifically told me that there were no gotchas and once I reached XXXX loan to value I could call Wells Fargo and drop the mortgage insurance. 

A couple months ago I reached out to Wells Fargo to drop the MI and they told me that when I refinanced my loan that the time period in which I would be required to keep mortgage insurance was extended by 5 years. Thus, costing me XXXX of dollars. I have been fighting with them for months and they are unwilling to help until I threatened to contact you, CFPB. 

Here is my complaint:1 ) Had they fully disclosed the timeframe in which I had to keep MI I would have been able to make more informed decision. Likely would have written a check to get the loan to XXXX to prevent this or forgo the loan entirely. 

2 ) My original loan was with Wells Fargo and my refinance was also with Wells Fargo and mortgages are a very complicated financial instrument. How can we allow firms like this to do predatory soliciting that is n't in the best interest of the consumer especially post 2008? The mortgage consultant had access to my old mortgage and knowingly convinced me to refinance even though it was n't in my best interest - thats should be fraud. 

I have email that I have kept regarding this conversation with the Wells Fargo 's, XXXX XXXX, if needed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Experian continues to report incorrect information to my credit report despite me disputing multiple inaccurate information for years. I was never late with XXXX XXXX XXXX I was never late with XXXX.I was under a approved forbearance agreement back in XX/XX/2016for XXXX XXXX XXXX  and forbearance for XXXX .Also I paid my mortgage on time during the months prior and after my forbearance agreement for XXXX XXXX XXXX.Also Experian shows me never late for XXXX XXXX Credit Card which is true but has failed to remove the charge off comment .In addition they show my credit age of my credit report to only be 4 years old which is false my oldest open student loan for XXXX is 18 years old so my credit age should not just show to only be 4 years old.This is important for my credit score.Their failure to correct my  credit report has prevented me from getting hired for work.

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 2020-01-16
Company: DISCOVER BANK
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon checking my credit report, I see that Discover Bank claims I had a personal loan with them ... .which is COMPLETELY untrue. 

My credit report does not even reflect the address I have lived at for over 10 years so there is NO WAY this account is mine. 

I have gone back and forth with Discover and they have done NOTHING to fix this. I just get a message if they tell me to wait for a call from their Executive office and noone has EVER called. 

The number they gave me is XXXX But I have yet to reach anyone. 

If this account is going to be reported, I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If they can not provide me with this information, I request they please remove the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I called Amazon today. This was the 3rd time. Customer service clearly said it is a problem with their " system '', and that I needed to talk to the department that changes mobile phone information in its system. Amazon had an old mobile phone number that did not allow me to purchase, log in, close account or do anything with my account. Now the Amazon credit card associated with the account does not work. 

Finally, XXXX in the Change Phone Number department, said she can not help me. That she can not change the mobile number not close the account. However I stated that you realize there is an App account associated with a bad account and that it needs to be deleted? She said there is nothing she can do. Then I asked her to close my account as I feel it is a security issue. She said she can not do that. 

In conclusion XXXX suggested I contact XXXX XXXX the owner of Amazon. I find this highly abnormal for a company to suggest. 

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 2017-05-30
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Complaint is agai nst Navient I  keep submitting payments on time and they are processing them a week later and the payment is through a checking account. I understand a day or so for processing, but when I pay a bill at  XXXX  on the  XXXX  that is due on the  XXXX  it should post by the  XXXX . In fact they posted one of my payments on the day after it was due (  XXXX  ), but not the other larger payment. This has happened before.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRUIST FINANCIAL CORPORATION
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am unable to reach Suntrust/Truist customer service to talk about my auto loan which I tried to defer payment for. I followed their instructions and faxed over the deferment document, but they failed to do what they said they would do. When I tried to call them on multiple occasions I got recordings from them stating wait times to speak with a rep are over 60+ minutes. The one time I was able to wait on hold for over an hour, they disconnected my call as soon as they picked up my call. 

I am getting no where and need help. These wait times are UNACCEPTABLE. Banks shouldn't be allowed to do customers this way. I didn't chose them for my auto loan, the car dealership did. I feel stuck and getting no help is causing a lot of grief. I took a look at what others are saying on social media, and I am not the only one who is hitting the same brick walls. If a bank can't handle their customer service lines and leave no way to get a call back, they shouldn't be in business. This is wrong.

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 2022-02-23
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I sent a letter to Experian letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Experian did n't remove the accounts they sent me a letter back saying that the items had been verified. I contacted the courthouse where the public record was filed and they told me that the Circuit Court does not verify any information to the credit bureaus

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 2022-02-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX is completely unresponsive. You call them they hang up. You chat with them and tell them you are dissatisfied they disconnect the chat. They respond once with an incompetent response and then you follow up and they ignore. 

Can not access my account anymore as it was transferred to Citizens Bank. While at XXXX : 1. I did not receive the full amount back from a wire and followed up but was ignored.

2. I was charged to receive multiple wires the last several weeks of my account and was ignored when I questioned them.

3. I paid for new checks for my XXXX account and after I purchased them I was then transferred to Citizens so the checks are now useless.

4. Citizens is currently charging me to receive/send wires and I was not informed of this prior to the transfer. My understanding is my benefits would be transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On a recent XXXX from XXXX to XXXX the flight staff made multiple announcements about a special offer. This occurred Fri., XXXX. XXXX, 2015 on XXXX XXXX departing XXXX arriving XXXX. The offer was described as a short term and one time only offer around the merger of XXXX XXXX and XXXX XXXX. They stated quite clearly, and it was a topic of conversation for all the passengers near me, that if you apply in flight for the AAdvantage credit card that you will receive ( 2 ) Free Round Trip tickets anywhere in the continental US. Applications were distributed, I filled one out and returned it to the flight attendant. 

Within about two weeks I received the credit card, made purchases and have paid my bill in full each time. However, I never received either frequent flyer miles or vouchers. I contacted XXXX XXXX multiple times by phone and via their website. I was not able to receive an acknowledgement of the underlying issue, nor a resolution. Two reference incidents were created : XXXX XXXXCustomer RelationsXXXX XXXX Ref # XXXX XXXXCustomer RelationsXXXX XXXXYour Reference number to this request : XXXXIn neither case, nor in phone calls made to the airline was a resolution provided. Finally, I publicly posted the issue on line and then received a response acknowledging the issue and direction to call the XXXX Credit Card company for resolution. Upon doing so they were notably more available and responsive, did the research but were unable to address or resolve the issue, nor provide any remedies. 
It is clear now that this a false enticement was made to enter in a credit agreement, I think it is very important that the appropriate authorities are made away and that other consumers can avoid falling for the same credit fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
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:
They have reported me being 130 days late. For yrs they done took me took me to court I have disputed the items but they never change. I was told this was unfair credit reporting.

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 2022-02-23
Company: MONEY SOURCE, INC., THE
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a follow up to Complaint # XXXX. 

We have spent seven months trying to convince The Money Source ( XXXX ) that we had, in fact, paid our mortgage payments in a timely manner and were not delinquent at any time. We provided records of electronic payments and copies of checks showing payments. We spoke with XXXX customer service personnel on a weekly basis. Four of them stated they saw what the problem, and each assured us the matter would be taken care of. This went on until XXXX when XXXX finally acknowledged that they had credited our first payment to XX/XX/XXXX. They did not own the mortgage until XXXX of XXXX ; which we had told them repeatedly. 

Their fix entailed a four-day span of erasing the existing data and reentering the data so our account appeared to have been paid to date on XXXX XXXX. We retain the actual payment documents. We learned in XXXX that on XX/XX/XXXX XXXX had reported us as being " 30 Days Past Due Date '' to XXXX. This was brought to our attention by a mortgage banker who we are using to purchase another property. This information has not only been used by the mortgage bank, but has also been picked up by our credit union. We have asked XXXX for a written statement signed by an officer that the loan is not and has not been in arrears ; and that the false information be removed from any and all credit reporting agencies. Again, repeated calls, repeated assurances that it would be taken care of, and no letter. XXXX has stopped returning my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Experian Information Solutions Inc.
State: GA
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:
Inquiry : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX They Wasnt Supposed to pull my credit

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 2022-06-20
Company: EQUIFAX, INC.
State: GA
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:
Inquiry : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX They Wasnt Supposed to pull my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: Shellpoint Partners, LLC
State: UT
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Shellpoint Mortgage is missing XXXX payments from XX/XX/XXXX and preventing me from refinancing from 6.25 to 3.33 percent. I have been trying to get them to look at my account since they took over the servicing in XX/XX/XXXX and correct my account as they have been sending me notice of defaults since XX/XX/XXXX. I have proof of when my payments were sent, cashed and applied ( or in this case not applied ) and have sent them letters asking them to correct my account. I am now getting phone calls from Shellpoint asking if I would like to make additional payments to them to get my account current. No one will return my phone calls or respond to my emails or letters asking them to correct my information. I am attaching some of the correspondence so you can see how often I have been trying to get a hold of someone at Shellpoint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Sequium Asset Solutions, LLC
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX Solutions is attempting to collect on cable bill debt that was removed from  XXXX XXXX Kansas that was the amount of XXXX in XXXX XXXX2019 Now they are making a false balance saying I owe XXXX I would like to have this debt removed from my credit thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Paypal Holdings, Inc
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A year ago I had fraudulent activity on my paypal account. I called paypal and they cleared the fraud and said they would freeze my account to stop it from happening again. They did not freeze my account. More fraud took place on my account and I am now receiving letters saying I need to pay the outstanding balance or they will take legal action. After emailing and phoning PayPal a dozen times they had either not replied or hung up on me. I am worried that debt collectors or legal action will take place for a transaction that has nothing to do with me. I am making this complaint after trying to get the matter resolved with Paypal numerous times to no prevail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: Allied International Credit Corp., (US)
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Continued calls daily to my phone number all hours of the day and night, weekends as well. I do not know the person trying to be reached. I have left messages for AIC to stop calling me, but they continue to do so. PLEASE do something to get them to stop!! Its weird they do n't get the messages or idea that the person does n't live here!

Company response to consumer: Closed with explanation