BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-11
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
Wells Fargo is reporting a late payment on my credit report on XXXX of 2018. I have tried calling them to correct the error they caused on their end and they guided me to submit a dispute with the credit bureaus to correct THEIR mistake. So I did, several times. I have submitted disputes with the Credit Bureaus in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to try and get this late payment removed because I was not Late. The Credit bureaus stated that they reached out to Wells Fargo, Account number XXXX who said the information is accurate which contradicts what a representative told me over the phone. 
My wife and I were hit with this late payment out of nowhere and are not sure where to be able to turn now because of it,. We read online that this is our best shot to get the inaccurate late payment removed since they are not abiding by the FCRA.

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 2015-12-19
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
debts were paid in full with one payment months ago and still show unpaid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: NJ
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 just received my reinvestigation back from Equifax. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

because the list of accounts below are not accurate. The open date, date last active, High Credit, Last Reported, Date of Last Payment. 

XXXX XXXX they did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Im having issue with obtaining my consumer report from Lexis Nexis. I spoke with XXXX ( ID # XXXX ) on XX/XX/22. I was informed that I asked for a security freeze on XX/XX/22 and I unsuccessfully attempted to order my consumer report on XX/XX/22 and again on XX/XX/22. They informed me that the request was unsuccessful because the information did not match. The irony is, they sent out a letter on XX/XX/22 to let me know my information did not match, XXXX weeks from the initial request, but this is the exact same information I provided to them on the phone on XX/XX/22. 

Furthermore, they claim that they sent the report out on XX/XX/22 ( after I spoke with them on the phone ) but I still have not received anything. After speaking with them on XX/XX/22 said they have submitted another request to send me the information I need to access the file. As of today, again I have not received anything from. From what I understand according to the FCRA I have the right to a free report once a year. With or without this report, I want any and all penalties to be enforced on this company. This has to violate every right that exists to a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through an FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 tried to have these false inquies removed and nothing was done

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 2022-11-11
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
SquareXXXX is a credit card processing company for small businesses and XXXX XXXX, used for accepting payments. 
I work as a XXXX XXXX and I don't usually use SquareXXXX  as I typically only accept bank transfers as payment. I used it one time to accept a payment and my funds are now being held, which is causing undue strain on my finances. 

Here are the details of the incident : date of service/charge : XX/XX/XXXX description : a client wanted to pay their balance via credit card, and I used the SquareXXXX  app to accept their payment. 
amount : {$1000.00} On XX/XX/XXXX, the company SquareXXXX notified me via email that my account has been suspended and that my funds are being held for 90 days until XX/XX/XXXX. 

XXXX XXXX XXXX depending on these funds for my livelihood, it is not sustainable for my funds to be held for this long. 

XX/XX/XXXX : I called SquareXXXX  customer support and got an automated message that my account is deactivated and I am not eligible to speak with customer service. 

XX/XX/XXXX : I called SquareXXXX again, using somebody else 's phone as my phone number caused the automated message described above. 
I was told that there is nothing they would do to expedite the process of releasing my funds. 

I have a contract and deposit from the customer relating to this sale, SquareXXXX was only used for the balance payment. 

I would appreciate your help with this, as it is very difficult for me to have these funds suspended XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
A XXXX employee filled out an incorrect telephone when they created an XXXX loan on a tablet. I was unaware because there existed no paperwork, etc. and was purchasing a XXXX contract, not an XXXX loan. At some point in 2021 I needed a new credit card due to theft, and it should be noted the bank I use permits charges from previous business. Long story short, XXXX was charging my old card for a year up until they [ presumably ] made a system change in XXXX and the old card no longer worked. XXXX did ( to their credit ) call the incorrectly entered phone after some number of failed charge attempts due to the closed card. The number in their system was for my fianc and she ignores spam calls. I found out about the issue when my credit dropped XXXX points and am certain XXXXXXXX has systemic issues after looking into them on XXXX and other consumer protection sites. I immediately called and brought the account current with a new card.

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 2022-11-11
Company: SANTANDER HOLDINGS USA, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am aware of the laws that are put in place to help individuals like myself to fix any problems dealing with credit. So I tried reaching out to get things off of my credit I just seem to get ignored constantly. So, XXXX XXXX XXXX refuse to take the information off of my credit. Me as the consumer, I did not take out a loan which they are trying to say now it's in my credit, Santander Consumer has inaccurate information on my credit and refuse to remove it. All of the hard inquiries should not be on my credit after I disputed them. 15 US 1681 states that I have the right to remove all negative things from my credit and that is a violation to the law. And I did not give permission for negative items and inquiries to be on my credit, and my credit was pulled without my permission. I need this problem resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
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: Information belongs to someone else

Complaint:
There are addresses, inquiries and accounts listed on my credit profile that are NOT mine nor did I authorize the release of this information. Please remove them immediately as they are hindering my credit. Thank you.

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 2022-10-14
Company: ProCollect, Inc.
State: NV
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 been having problems with this company for awhile now back in XXXX while already paying money to this XXXX XXXX sent them a notice about moving to XXXX XXXX to take care of my family that was going through alot at the time I gave them the letter they said ok we will process it a year later in XXXX I get an eviction on my credit which baffled me from this same apartment mind you I informed them already of my intentions to move to XXXX to take care of my family then I went to the XXXX  and in XXXX of XXXX it was off my credit report due to them getting my information illegally I also included the lawyer I was talking to at the time that represented them that it wasn't suppose to be an eviction on my credit but then try to say they couldn't do anything about it even though I have been paying on time to these apts. I also attached the supporting documentation that show at XXXX of XXXX it was deleted off 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 2022-11-11
Company: AES/PHEAA
State: AZ
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 called MyFedLoan XX/XX/XXXX to ask for a refund for payments made during COVID forbearance. I was told that because my loans were transferred to XXXX, the refund would have to come through them. I had 15 total student loans- 13 of the loans were paid off through MyFedLoan prior to the conversion to XXXX XXXX I requested a refund from XXXX the same day - XXXX XXXX. I called several times to check on the status and was told by XXXX it was processing. XXXX XXXX I was finally told by XXXX the refund couldnt be processed because the payments were made and loans were paid off while belonging to MyFedLoan, and I would need to request through them. I called MyFedLoan to again insist for a refund. After speaking with 3 people, I got my refund request in, but was told the next day XX/XX/XXXX this would be canceled. They say that they are closing at the end of XXXX and will not have time to process my refund request. That I will have to wait until XXXX gets all the payment history transferred to them and then request the refund again in XXXX or later. This is a large sum of money that is being held when I am legally within my rights to request it be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: NJ
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 sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.

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 2015-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I previously held a revolving account with XXXX. In XXXX of 2013 the account was settled for a lesser amount, paid off, and then closed. This company is still reporting late payments although the account was paid and closed. It is not possible to be late on an account that does not even exist. I have filed four disputes to date. Every dispute finds that the reporting is inaccurate and the issue is fixed, until the following month. The company then reports that I am late as if the dispute and resolution never occurred. When I call the company directly I get continuously transferred and am forced to leave a message. I have never received a return call or any attempt to fix the situation directly from the company. This is harming my credit and effecting my chance to purchase a home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: NAVY FEDERAL CREDIT UNION
State: PA
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:
Navy Federal has used extortionate means to withdraw my money from my checking account without my permission, authorization or any lawful consent! On XX/XX/22 in an amount of {$220.00} and on XX/XX/22 in an amount of {$59.00}. They have took all my money out my account to transfer it to credit cards. Under the NCUA, They have breach their fiduciary duty to work in my best interest. Their action has cause me great financial harm and when tried resolve this issue, they have been willfully negligent and noncompliant to address my needs. Ive tried multiple times to resolve this issue to get my money back but they are unlawfully refusing to. They are placing fees on my accounts due to the fact they depleted when I had other account set to have payments come from my checking account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Thank you for AGAIN taking time on this issue for me. 
There has been an ongoing review of the mistake made by OCWEN on my escrow balande owed. Although they have admitted the error and reduced the amount to put into the escrow account AND, although I neglected to send the money WITH THEIR LITTLE COUPON, they have NOT APPLIED THE {$3500.00} as requested to the ESCROW ACCOUNT ONLY. At this time, they are sending me DELINQUENT NOTICES for my mortgage payments and have arranged for a company to call my home as they believe I 'm having problems PAYING MY MORTGAGE. I have paid each and every payment on time and early without fail. Since they reduced the amount to put to escrow to $ XXXX+/- and I HAVE PAID IT IN FULL with 2 pmts of $ XXXXea in XXXX and an additional of {$2500.00} in XXXX, they have not caught up with their own paperwork and show me delinquent! I appreciate all the assistance and contacts you have made for me during this time. I have asked them to ACKNOWLEDGE THE {$3500.00} paid to the escrow ONLY as noted on my checks and they are not doing so and also I asked for a review of the payments to continue with and get double talk responses in the mail and email. 
1. They wanted $ XXXX+/- for the escrow balance and THEY RECEIVED IT 2. They will not respond with acknowledgement that the money WAS INDEED RECEIVED nor give me the amount they would like to adjust my payments to from XXXX IF ANY is required since the {$3500.00} paid already. 
I continue to pay the original amount XXXX and am now receiving the new DELINQUENT NOTIFICATION. It seems that they can not address the challenges THEY created in a timely fashion and I am suffering with possible credit score issues and always the possibility of losing my home when I HAVE PAID CONSISTENTLY and given them the adjusted amount they determined ( {$3500.00} ) after knowing that the nearly {$30000.00} they were looking for originally was NOT VALID! Please request that I get JUST THE INFORMATION I NEED and that they adjust THEIR RECORDS to acknowledge all they have asked me for is COMPLETE and what amount I should be paying on my monthly payment. The new amount they are looking for is around {$5000.00} for no reason but that they can not adjust their own records to make good. 
Thank you AGAIN for getting involved. I wish you could force them to DO THEIR WORK and fix this for me since it is THEIR ERROR and not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, IL XXXX Loan number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
I have send in my regular monthly payment and found out 4 day 's later that the payment was not collected and I called the mortgage company and they told me that they have n't received it.They to chehed after 2 day 's and if not collected to put a stop to the check.I called the day after that and then I was told that it is delinquent and I need to pay the full amount and they want accept my regular payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: Caliber Home Loans, Inc.
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am shopping for a new home and submitted an offer for purchase for a local property. One of the stipulations before the offer would even be accepted for consideration was that I obtain a prequalification letter from a specific lender. As a bank employee with stellar credit and virtually no debt, it was MUCH easier for me to become prequalified with my employer ( they have my existing mortgage, all my bank and investment accounts, and access to my income records ). Long story short, I feel like this is coercion and thought this was illegal. In speaking with a representative at the NC board of realtors, they say it is not illegal at all. Wanted to bring this to your attention. Needless to say, I did not proceed with the purchase.

Company response to consumer: Closed
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2022-11-11
Company: Mr. Cooper Group Inc.
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX sent a debt collector notice/debt validation letter that was received XX/XX/2022. My reply to the debt validation notice was immediately replied to on XX/XX/2022 indicating that the debt was not valid. My notice required 30 days for XXXX to send me proof of the debt, but they immediately put my mortgage up for foreclosure auction before their sending me their proof of the debt. 

I have verification that the loan that XXXX XXXX is trying to collect on is fraudulent and I believe they are trying to avoid my suing them in court because they know that the loan is fraudulent and are looking to sell the mortgage note to get out from the unlawful debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Trans Union is not responding to my requests to investigate and remove accounts from my credit report that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation