BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-31
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i believe this account is not even 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
Consumer complaint received 2022-07-06
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
After reviewing my credit report I noticed there are addresses as well as names on my report that should not be there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Diaz & Associates, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ok so back in XXXX my identity was stolen when I lived in va. I made a police report. Let credit bureaus know what happened. I thought that fixed anything that would arise. I kept getting bills from XXXX saying I owed money. I called them and explained what happened. They wanted me to send them a copy of the police report and I did. So I was told it would be taken care of. XX/XX/XXXX I get a letter in the mail from diaz and associates  saying I owe XXXX  money! So I called them. They claimed they couldn't locate my file. So they dismissed it. Never got another letter til today. XX/XX/XXXX. This debt has never once been on my credit report. I've talked to XXXX  and they say I owe them nothing. But these debt collection companies say I owe money. I know that I don't. Someone used my social security number to order stuff from XXXX and it wasn't me. I shouldn't have to pay a debt that isn't mine. My credit is excellent. I have no missed payments on my credit cards. Why would I mess that up?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I am not getting no ssi check can your mail me a letter cause I need to pay my rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My current mortgage servicer, Carrington Mortgage, refuses to remove the Mortgage Insurance from my FHA loan even though I have met all qualifications. Every time I call, they give me a further out date when it will be removed, when that date approaches and it is not remove I call again and they give me a new date of removal. Per my records it should have been removed XX/XX/2019. I have met all qualifications based on when my FHA loan was originated. I have sent written requests with no response and made numerous calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I called Transunion and told them that I was apart of their inquiry error that occurred in their system where they removed my inquires and then reposed them without notifying me and the Customer Service department did n't want to help me get the issue fixed. I want the following inquires removed off my credit report. Thanks for your attention to this issue!! 
1.XXXX 2.XXXX 3.XXXX 4.XXXX 5.XXXX 6.XXXX 7.XXXX 8.XXXX 9.XXXX 10.XXXX 11.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 2022-07-06
Company: Experian Information Solutions Inc.
State: NY
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:
I've become aware that delinquent accounts on your credit report negatively affect your credit score for 5 years and are removed after 7 years. It's come to my attention that effective XX/XX/2022, that delinquent accounts on your credit report affect your score after 4 years now and not the former 5 year mark. 

XXXX and XXXX scores reflect that change. As for Experian, their scores do not reflect that new rule that went into effect XX/XX/2022

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 2019-03-12
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I paid the XX/XX/2019 credit card installment of {$100.00} but Citi has not credited it to my account and has harassed me with some 6 telephone calls in 1 week! Citi maintains no office for payment!

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 2019-03-12
Company: Lendmark Financial Services
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Lendmark Financial continues to harass and send documents labeled as NC XXXX XXXX via XXXX. Is that not considered as fraud? For the previous telephone calls were harassing. Some employee called from their personal phone and then blocked the phone number whenever I tried to call back. The culprits are XXXX, XXXX and XXXX. I am not one of their backwoods customers with a low education level. I will be requesting a telephone log from XXXX to show proof of the amount of times that I was called and also, a request for $ XXXX- {$1000.00} per harassing telephone call. These people need to be approached and held accountable. This has been reported to the credit bureau, even when I caught up my payments, they reported me as still owing back payments. Fraudulent practices! A federal crime was committed by them when using a federal institutions name on a package with their documents inside. XXXX NC does not carry a zipcode of XXXX, nor would a representative come to XXXX NC to mail a packet!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have a XXXX XXXX card which, if I pay my statement online, allows free Fico score. 
When I set up my payment this month I checked the Fico score and found that w/o warningit had dropped from near XXXX to XXXX in one month. I have spent 3 days trying to found out whyand have been all over the internet. YES, with the big XXXX! They want you to fill out and givethem everything but your birth certificate and then at bottom near submit button and in fineprint, they want a monthly fee! There is a form you must download and fill out and send inbut I can NOT get a full copy ; I have tried to turn it clockwise, counterclockwise, shrink it ; ETC. 
Still can not get full copy. It may say FREE but you finally give up!!!! I am XXXX years old ; I cannottake this anymore. I just want a FREE credit report!! Oh yes, XXXX of the big XXXX say mycredit report is NOT available online, hence the reason I have tried to get a form to fill out. 
And I need to see a report as I have NOT opened any new accounts, all my bills are paidonline monthly and I have checked my credit cards and do not see any unusual activity. 

PLEASE, PLEASE HELP ME!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-31
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am contacting your agency after attempting to resolve this matter with TRANSWORLD SYSTEMS INC and disputing with all   XXXX   credit reporting agencies. When I initially found out that TRANSWORLD SYSTEMS INC was reporting negatively on my credit report it showed up as  XXXX  account. After I dispute the item TRANSWORLD SYSTEMS INC turn around and add a   XXXX   collection negative item to my credit report for the same exact amount of  XXXX . I have requested that creditor validated validity of this debt by provide with copy of sign service contract and Identification on individual services was rendered to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The state of Illinois put a lien on me for supposed back payroll taxes. This lien has been removed, as it should have since the taxes were estimated by the state and never owed in the first place, I had no employees during or since the periods in question. The Illinois Appeals board has removed the debt from me on XXXX/XXXX/XXXX. I have tried several times to get each of the credit reporting companies to remove this from my report but they keep telling me that it is still being reported by the state. I have and will attach a copy of the letter I received freeing me from the debt which I believe should also clear this from my report since these taxes were never owed in the first place. I have been fighting the state of Illinois since XXXX on this and should not have to have this phony tax burden hurting my credit it is making things very hard to move on with my life.

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 2022-02-24
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My husband ( now deceased ) and were leasing a XXXX XXXX and XXXX. I moved from XXXX XXXX to XXXX  and am trying to register my car, the XXXX. Because my husband 's name is on the lease, The XXXX Registry can not register the car until it is removed. I started contacting Hyundai Motor Finance on XXXX first with a letter mailed to them stating that I needed my husband 's name removed and the address changed on the lease. This is per the Registry. Hyundai Motor Finance does have a copy of the Death Certificate which I had sent them after he passed away. They did close out the Lease on the XXXX but did not remove his name from the XXXX. I called Hyundai Motor Finance multiple times and never received a callback. On XX/XX/XXXX, I went on their website and sent chat messages to them as well. They did not respond back. I have a more accurate telephone number now and have talked to 3 different people that have written down everything and forwarded to the Back Office Team. I was supposed to get a call back withing 5 to 7 business days but never did. I called again yesterday, XX/XX/XXXX, and spoke to XXXX and she assured me that she was submitting the paperwork again and to call back either today or next Tuesday which is XX/XX/XXXX. I called back today and she checked and still nothing has been done. She said that I can call every day to see if the changes have been made and if paperwork had been submitted to the Registry. My car needs to registered before the end of this month which is next Monday. After that I could get stopped for not having it registered properly. I need my car to do grocery shopping and doctor 's appointments. Each time I talked to a person, I asked what they needed from me and did exactly as they asked.

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 2022-02-24
Company: Experian Information Solutions Inc.
State: TX
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:
My updated credit report from Experian was reporting a lot of inquiries that are not connected to me. The inquiries posted should not be on my report because I have neither inquired nor reached out to anyone of them. If XXXX has made an extensive investigation about this, they should have removed all these inquiries. However, they have not their duties of either confirming the items and/or reaching out to me to notify. Here is the list of the unauthorized inquiries : XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/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 2016-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
My name is XXXX XXXX, and my Social Security number is XXXX. Ive had several problems ever since someone decided to use my Social Security number for different things, and Ive been denied my right to [ access ] my credit report information or my credit history regarding my finances, credit, salary earned, debts that I need to verify, and everything else. Nobody has the right to deny me what is mine, and I need it. Ive been deprived of all information and privileges, and my ability to overcome this has been obstructed, because businesses havent hired me due to a lack of information on 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 2022-02-24
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 is reported on my XXXX, Equifax, XXXX XXXX. I have disputed multiple times without any change. pl\Please remove the incorrect item from all three bureaus. 

XXXX XXXX is listed on my XXXX and Equifax in error. I have also disputed with XXXX and Equifax with no results. Please remove these incorrect items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: National Credit Systems,Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
national credit systems illegally obtained my personal information, to report inaccurate information. They are not the original creditor. 

Nation credit system failed and neglected to obtain original documentation to accurately report this claim. 

XXXX including XXXX is also liable and guilty for claiming to legally verify this account information. 


This account is being reported as a collection account but the status remains active/open. 
This account open date and status update can not be the same. 

National Credit systems has re aged this account showing to be opened in XXXX when in fact the account was opened in XXXX. This is fraud I will be filing a complaint with the attorney general, this is against FCRA and other rights of the consumer. 


XXXX XXXX - delete account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: EQUIFAX, INC.
State: MO
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: Was not notified of investigation status or results

Complaint:
I am filing this complaint because EQUIFAX refused and ignored the request to provide me with documentation that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify the accounts, under Section 611 ( 5 ) ( A ) of FCRA they are " required to promptly delete all information which can not be verified. '' Please resolve this matter as soon as possible. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: ALLY FINANCIAL INC.
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I paid off my loan with ally bank back in XXXX. I cancelled my XXXX insurance, and the dealer sent it to ally bank on XXXX XXXX, 2016. I called Ally bank customer service in the XXXX spoke to XXXX. She stated thearlier check was cashed on XXXX XXXX. First off, my loan was paid off. Ally had no reason to cash this check when the account was ahd has been paid off. Then she proceeded to say I have to wait 10 business days for that check to clear. Then, I have to wait an additional XXXX to 5 days to mail it. Meanwhile ally earns interest on my money. Ally stated they endorsed the check that had my name on it as well. Ally had no right to cash a check that did n't belong to them at all. I tried speaking to a supervisor but of course I was told XXXX to 72 hours before I would be able to talk with someone. My question is why would they cash my check when the balance is zero and then hold my check until 15 days? I 'm not really happy with them and cashing of my check they could have returned it or signed off on it and sent it to me to worry about a dealership check clearing. Not to mention checks clear now within XXXX to 2 business days due to check XXXX when that took place. Meanwhile, I 'm the one who is waiting for my check that I 'm entitled to especially when there is no Balance and my account was closed. Ally needs to be taught business practices and to stop this way of doing business .. I paid my car payments on time and I did n't make them wait to talk to me at any point. I 'm sick of these big companies taking advantage of us consumers.

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 2015-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have NEVER LIVED on XXXX XXXX, XXXX, NY

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our home was damaged from winds during Hurricane Laura. The repairs are 95 % complete. We had to file a lawsuit against our wind insurance company. We settled our lawsuit. The insurance co. placed Wells Fargo 's name on the check which was in the amount of {$150000.00}. We mailed the check to WF about 4 months ago and we still have not received our funds. Our home is worth at least {$800000.00}. The principal remaining on our WF note is {$150000.00}. We have attempted to have WF release our settlement funds with no help. We have called at least 8 times, been to the WF in XXXX, Texas, and finally a 3rd party inspector came to view the house almost a month ago. We complied with every requirement WF has asked, including at least 40 pictures showing completion of the work. We are getting the run around from WF and it is very frustrating. We need the money for finishing repairs and other things in our life. Our precious XXXX XXXX XXXX son passed away just 6 months ago and this issue with WF is not helping our grief. Please have WF send us our funds. We have never been late on a payment ( auto draft ). Thank you for your 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 monetary relief
Consumer complaint received 2022-07-06
Company: Maximus Education, LLC dba Aidvantage
State: TX
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:
Since XX/XX/XXXX until now I have been making bi-weekly payments of XXXX towards the principal amount of my federal student loan. Per COVID federal forbearance no interest was to occur during this time. From XX/XX/XXXX until XX/XX/XXXX all payments went to interest and zero went to principal. Since XX/XX/XXXX payments made are randomly applied to interest or principal. I have called them on XX/XX/XXXX and XXXX to credit my principal as no interest was to accrue during this time. The first person said it was because payments came from my checking. The second time after over an hour they said my loan requires payment to interest even if no interest occurs regardless of the federal forbearance. After an hour I was suppose to be transferred to a supervisor which instead they hung up on me.They are refusing to fix my loan amount and apply payments to principal. I request that you look into this immediately as I am sure I am not the only one being scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: DISCOVER BANK
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: Account information incorrect

Complaint:
Discover Bank Credit Card Account was removed from my XXXX  report. However, it 's still showing up on XXXX and XXXX. This is not my account, and it seems like XXXX has proven this.

Company response to consumer: Closed with explanation