BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-11
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I HAVE DISPUTED ACCOUNTS THAT ARE NOT MY ACCOUNT WITH EXPERIAN ALMOST 5 TO 6 TIMES THEY HAVE FAIL TO REMOVE THESE ACCOUNTS

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: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Never served me with a summons claim I would not sign, got several judgements because they did this many times and it went from a few XXXX to XXXX on a lie, has been investigated by XXXX  and found they were fraudulent and untrue, close their case, but Midland LLC will not stop and keep on with the and over 1000 of robocalls, I know because I know the robo caller

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I received a credit alert that a company called " XXXX XXXX '' checked my Transunion credit report on XX/XX/2022. I did not apply for credit anywhere in the month of XXXX and I have never heard of or done business with XXXX XXXX. My credit file has been mixed up with others because of the complication in the spelling of my name and this may have been the case in this situation. I did not authorize this inquiry.

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 2015-09-14
Company: CITIBANK, N.A.
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Recently I have had several thousands dollars wired from outside acct into my Citi Bank checking acct. What shocked me is Citi charged me {$15.00} for service fee. It is such a ridiculous policy to punish its own customer to put $ $ to his Citi account. That explains again why Citi performance XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX - made a {$300.00} payment to my credit card. 

XX/XX/XXXX - payment cleared my bank account, but card still shows no available credit though the balance owed has decreased by the payment amount. 

XX/XX/XXXX - call customer service to see when available credit will be updated. Rep advised there was a payment hold that wouldn't be released until XX/XX/XXXX. I asked if there was a way to remove the hold as the payment has already cleared my bank account. Rep states we can conference call with my bank for her to verify the payment has cleared, then she can manually remove the hold. She put me on hold, called XXXX bank, then connected me with XXXX but fell off the call herself. XXXX said he was advised by XXXX ( Capital One Rep ) that we wanted to verify the transaction but without her on the online he's just verifying it to me, which defeats the purpose of the call. So, I call Capital One Customer Service back, and the same rep, XXXX, answers but says it wasn't her - that was someone else and quickly transfers me. The NEW rep then tells me they can't call XXXX to do a verification to remove the hold, and I told her I was JUST on the phone with a representative who actually CALLED XXXX and connected us but then dropped off the line. She says again they don't do that, so I requested to speak to a supervisor. The supervisor comes on and says they used to do manual verifications and removals of the holds but due to Covid 19 volumes they aren't doing them now. I advised her about the rep I had JUST dealt with that went all the way through the process of actually calling XXXX then disconnecting, to which the supervisor then says she probably disconnected because she realized she wasn't supposed to do that anymore. In all this roundabout of misinformation and flat out lying as far as I'm concerned with the original rep the verification could have been done and hold removed. There were NO extended hold times or extraordinary notifications of place in line of the phone queue for either Capital One or XXXX to make it seem like this would be putting anyone out. Who IS put out is me trying to access my line of credit that I made a payment to in order to be able to use the card for a time-sensitive purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: Academy Mortgage Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
1. My personal financial information including my tax returns, bank statements, and payroll stubs were sent to my real estate agent from my mortgage broker without my consent. 
2. I did not receive my loan estimate for over 3 weeks after I applied for the loan 3. Was informed in an email that I had loan approval from the broker then later informed that the investor had never received any documentation to determine loan approal. This was discovered 4 days before scheduled closing. 
4. The broker has misplaced or lost my personal documents 3 times and is now requesting it be sent a fourth time. 
5. This is with Academy Mortgage in XXXX, Tx Loan officer XXXX XXXX Branch Director XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: EQUIFAX, INC.
State: AR
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:
While I was in the process of trying to rent an apartment my credit got pulled and I saw several things that did not belong to me on my credit report. Can these items please be removed from my credit report. XXXX  XXXX XXXX  XXXX  XXXX {$500.00} XXXX XXXX XXXX {$83.00} XXXX XXXX {$550000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I had opened an account the account was closed down and my money was gone out of the account and when I called I was hung up on several times then about 3 months later an account was opened in my name and I had no knowledge it was closed completely and im not unable to bank in my name through bigger banks due to fraud situation this all took place in 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 2016-03-19
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Describe what happened so we can understand the issue ... 
I have had a XXXX loan from XXXX XXXX XXXX XXXX. ECSI Services my loan. 
I have auto deductions each month to pay this. I pay over the amount at {$50.00} per month. The website gives you the options to choose your pay date. I chose the XXXX. I noticed I have over 6 months of late fees at {$5.00} each. 

Also I received 2 letters : One letter says I owe {$35.00} for XXXX XXXX. The second letter says I owe {$75.00} and that my account is past due 45 days. If they do not hear from me in 15 days they we put me in collections. I went to review my account history and I am current. So I do not know why I keep getting weird letters from them. Seriously it stresses me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Experian Information Solutions Inc.
State: AR
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:
While I was in the process of trying to rent an apartment my credit got pulled and I saw several things that did not belong to me on my credit report. Can these items please be removed from my credit report. XXXX  XXXX XXXX  XXXX  XXXX {$500.00} XXXX XXXX XXXX {$83.00} XXXX XXXX {$550000.00}

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 2020-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On or about XX/XX/2019 I notified : Transunion, XXXX, and XXXX  about fraudulent unauthorized accounts on my account via a dispute. Transunion and XXXX  did fix some of the errors. However, XXXX  did not remove any of the errors on my report. I went on to submit a second round of request in XX/XX/2019. Again, Transunion acknowledged the errors and removed some of the unauthorized accounts. However, XXXX  did not take any actions and all of the unauthorized accounts remained on my report. In XX/XX/2019 I disputed the information under the 609 FCRA act. The bureaus did not accurately identify the information on my report. In not verifying the information on my report, the bureaus : XX/XX/XXXX, Transunion, and XX/XX/XXXXleft the inaccurate information on my reports. In regards to the dispute, one creditor went as far as to send me a bill as verification. The bureaus took the document as validation. As I understand, bills do not validate that the account is mine. They only verify that an account was in fact opened in my name. However, they were not opened by 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
Consumer complaint received 2016-02-25
Company: Titan Title & Closing, LLC
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Working with Titan Title in XXXX during the closing on the sale of my house was challenging, to say the least! Careless errors, excessive charges, rude and unprofessional employees, and multiple document changes made for a less than pleasant experience. Not only did they charge me {$770.00} in unpaid taxes on a property that I did n't own ( sloppy and careless work ; it was a different address than the house being sold! ), there were hundreds of dollars that would not have been charged with a XXXX XXXX XXXX XXXX. The lender had required that we use Titan Title in XXXX, although the property being sold was located in XXXX. Since there were several charges that our XXXX XXXX XXXX XXXX do not require, we asked that Titan charge at the local rates where the home was located. They refused. Unnecessary charges doubled the amount of my closing costs ( survey instead of a mortgage inspection certificate with a difference of {$320.00}, adjusted to difference of {$200.00} ; bankruptcy search {$80.00} even though my credit score is in excess of XXXX and the house had no mortgage ). When the property tax error was pointed out, they responded with " oops! '' and did n't even apologize. Although my experience with title companies is limited, even my realtor said she had never had such a negative interaction with any closing or encountered such rude and unprofessional behavior. After 5-6 revisions in the closing documents, one last document had to be signed after the closing was completed. The manager of Titan Title called to request a final signature so I had the opportunity to share my complaints with her. She apologized ; unfortunately, it was too little, too late. I would caution anyone in the XXXX area to choose another title company to avoid the negative and difficult experience that I encountered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
At XXXX CST, XX/XX/2020 I received a phone call from XXXX. A woman asked my name, then began telling me I was recorded and wanted me to give her my card numbers to charge me for a sum of roughly XXXX dollars for medical debt at XXXX XXXX XXXX XXXX, and this was medicredit incorporated She did not verify my identity, or take steps to protect my privacy before revealing details.

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 2020-08-11
Company: EQUIFAX, INC.
State: MI
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:
Ive sent Equifax a certified letter, stating that the information on my credit report was inaccurate. I explained that I have never had a account with XXXX XXXX XXXX  & with a lender called XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Attached please find Wells Fargo 's mortgage interest statement for 2016, With different account number XXXX, this is a complete different number. Because, the account number I had for the past eight years was XXXX. 

Does this paid interest is from XXXX to XXXX 2016? Since, in XXXX Wells Fargo sold/transfer my loan to XXXX, and I made the last XXXX of 2016, payments to XXXX. 

Why does in Real Estate Taxes their stamen show {$0.00}. They collected tax escrows, also from XXXX to XXXX? Who is paying my property taxes? 

Why they charged deferred interest, I though, I have a fix interest rate?

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 2015-06-03
Company: Genesis Lending
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was a student at XXXX College XXXX CA, and they closed there doors on XXXX XXXX, 2015. I received a text message indicating the closure. I have student loan with Genesis Lending Services and they will not discharge my loans. I feel that XXXX College is to pay back my loan to the company, after all XXXX is the one that broke the contract. This has caused great pain and suffering, because the reason I attended this college was to better myself in finding a job. Now after two years and three months, and only eight weeks to go, I do n't even have a degree now. I am not liable for this loan and will do what I have to do to get this discharged. I will seek information from an attorney about the steps I need to take.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Experian Information Solutions Inc.
State: MI
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:
Ive sent XXXX a certified letter, stating that the information on my credit report was inaccurate. I explained that I have never had a account with XXXX XXXX XXXX & with a lender called 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 explanation
Consumer complaint received 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Ive sent XXXX a certified letter, stating that the information on my credit report was inaccurate. I explained that I have never had a account with XXXX XXXX XXXX & with a lender called 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 explanation
Consumer complaint received 2020-08-11
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$1100.00} XXXX XXXX {$73000.00} XXXX XXXX {$200.00} 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 explanation
Consumer complaint received 2016-04-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX Equifax XXXX, GA XXXX XXXX, Texas XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX {$1500.00} REV {$0.00} {$0.00} {$0.00} XXXX Late Dates : XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX {$500.00} REV {$0.00} {$0.00} {$0.00} XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX {$490.00} REV {$0.00} {$0.00} {$0.00} XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX {$400.00} REV {$0.00} {$0.00} {$0.00} XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: BANK OF THE WEST
State: WA
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:
I have requested on 3 separate occasion for Bank of The West to simply send the Title for my vehicle to the Washington DMV. On all 3 occasions, I was informed they had received it and were processing it. I call back to check on the status and they then say they have no record of my request.
As such, I purchased my Vehicle In XX/XX/XXXX and have been unable to drive my vehicle for 2 months because of their ineptitude in processing a simple request for title.

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