BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: OK
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: Investigation took more than 30 days

Complaint:
I have been with XXXX XXXX XXXX  for 10+ years with home mortgage and then had a home equity mortgage for 5+ years. Then in XXXX to XXXX of XXXX XXXX XXXX sold all their home loan businesses to other loan companies. While being with XXXX XXXX I always had a direct withdraw from my account and never had an issue. During this transfer of business my home loan transferred w/o out any problems and the home equity did not transfer at all with specialized loan services. Never rec 'd proper notification or any calls from this new company. Then at the end of XXXX of XXXX I rec 'd a call from XXXX XXXX XXXX rep ( before they totally closed this department ) she explained that they had transferred over my account to a new company and they have not rec 'd any payments- explained that I am on auto-draft and the funds have been in the account and should have been withdrawn - to find out that I needed to contact XXXX XXXX XXXX to set up. Contacted them and got all set up and all of the back month payment caught up. The rep at XXXX XXXX XXXX stated that they would handle this and would not affect my credit since this was a transfer account. Then in XXXX the funds came out for that month. Then in XX/XX/XXXX automatic payments stopped again -- called them back and was explained there was additional charges that were applied to the account and automatic withdraws stop automatically if current on the account. Paid the additional charges and reset up my automatic withdraw from my account. Since then, there has not been any additional issues. 
. 
Reviewed my credit report and found that I rec 'd my first late payment on my account. I have never had a late report on my credit since I started 45 years ago. 
. 
Contacted XXXX XXXX XXXX and requested a review of all the issues that I had during the transition of my account from on bank to another. Rep said that they could remove the 1st late payment from my credit which they have to report after 90 days late - but since this was 5 months late, they were unable to help me. 
They refused to supply me with any of the note documents that were from the XXXX XXXX XXXX  or myself during this transition. 
. 
I got on the site for XXXX XXXX XXXX  to see what documents I could find. Found that the " Welcome Letter '' letter was sent out XX/XX/XXXX. I have been charged for 3 months of late payments prior to their welcome letter. 
. 
No certified letters were ever sent to the home address by XXXX XXXX XXXX or XXXX XXXX XXXX. 
. 
I have requested my file to be reviewed and have been denied for the review. 
. 
I have attached the Welcome letter and my credit report to show this has been my only late report and need assistance for a company that can assist me in my problem or an attorney that may assist me in my situation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: ALLY FINANCIAL INC.
State: ND
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I sent a check for full payment of my auto loan balance on numerous occasions and my bank,   XXXX    XXXX   XXXX  has paid the check and sent numerous copies of the checks, I have sen t to Ally Financial for payment of my auto loan balance. My account has n't been credited yet for full payment o f my balance.

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 2020-01-17
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 non-monetary relief
Consumer complaint received 2022-02-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo Bank did not notify me of an insurance lapse from last year until XX/XX/XXXX and I put a policy in place immediately But in XXXX of XXXX XXXX XXXXXXXX they put a policy in place for last year and charging me {$9000.00} for an {$800.00} policy They did not notify for 9 months normally they send me a request for proof of insurance if I pay it on the due date I called them to try and resolve this but they would not put me thru to a supervisor saying there's no point

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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage was transferred from XXXX or XXXX to " Rushmore '' during covid deferral/forbearance. I've called and spoken to 7 or 8 representatives since over a year plus months trying to make a payment. The website provided was in process of being built and still comes to dead ends. As well, do phone attempts to speak to someone with information and facts. Early on during height of pandemic I was offered to do paperless signing of documents in virtual signing room offering terms less than ideal as interest rate and monthly payment would increase and myself the consumer not provided terms of loan exactly. Just documents to sign and increased costs to resume payments. They would not receive my payments online or by phone.

After 5th or 6th call I finally got through to a representative that seemed to be able to offer facts, a list of documents for me to prepare and FAX such as paystubs, bank statements and tax documents. Finally reaching someone from new company that was able to share plan and means for me to send or resume payment to satisfy mortgage returning a sense of stability as I never had trust or confidence in experience prior to that call. 
I called today now having an extension for this person that seemed helpful with plan to update with document status and plans to FAX all listed this week, as well, contact insurance company to notify of new mortgage company Rushmore with phone number contact for direct communication. There was no option for extension and I again spoke to different representative that again like others was not receptive to listen to my reason for calling nor provide phone number to get in touch with person who gave me extension. Rather, was demanding and intrusive. Also vague, not providing anything but that the person 's name I mentioned did not work at company ; Began further demanding of personal identifiers then onto attempt to fearing me with time limits unrelated to my reason for calling. After I shared personal data I find uneccesary to provide as it did not apply to my reason for calling to update person at specific extension. She denied this person was with company and provided no other contact number.

The representatives and web links haven't gotten far and it's over a year now.

Tonight I found article about RPM whom may also be the investor for Rushmore mortgage loan. Same tactics seem to be in place as far as pressuring consumers to pay higher rates and sign on less favorable terms. 

I have yet to have about any trust and confidence and am led to believe my options are minimal and grim at this point. I never signed contract or deal with this new company. I understood I could resume payments and exit deferral/forbearance. 

It's my duty to report this in case it is unlawful and I'm sure I'm not the only consumer in this. One of the reps a few times back shared about others he spoke with in phone with similar and worse scenarios. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
On XXXX XXXX, 2016 I received a phone call on my cell phone from an unknown number. The woman said her name was XXXX XXXX and that she was representing XXXX. She said that she had mailed out documentation to me that I had a complaint pending out of XXXX County. Told me that her time was limited and that i had not responded to the documentation. She knew where I worked. Said that she was going to call the payroll department to take care of the debt. 

I called back. She informed me that the debt was from the bank I had been with several years ago. That I owed {$990.00} to them and that if I did not pay the debt, that I would no longer be allowed to hold a bank account for the next ten years. 

Red Flags should have been : 1. I banked with this bank out of XXXX County, not XXXX County 2. This bank actually issued me a check in that amount over 2 years ago, stating that it was for unnecessary fines. 
3. They never sent me paper work stating that the funds would be removed from my account. Any debt collector sends a statement to you to let you know that the funds will be taken out so that you make sure that funds are in the account. 

I questioned it, but honestly, at the time I was in a stressful point in my life and she was scaring me that my bank account would be shut down. She knew my social security number, where I worked, where I lived ... So I gave her my debit card number and set up 3 recurring payments. The first one came out on XXXX XXXX, 2016 for {$320.00}. The second was posted to my account on XXXX XXXX, 2016 for {$320.00}. 
This morning I got paid and was working on bills. I wanted to call this company to see if I could split this last payment in half between XXXX paychecks. i looked up the company online and WOW! There are scam alerts out for this company. XXXX XXXX name was even listed as having called another person. 
I looked at my bank account to see if it had been debited yet, and drove up to my bank to try to stop the payment. I explained everything to them and tried to put a stop payment on the debit. Just that quick, they had already put the transaction through. I cancelled my debit card and filed a dispute against them with my bank. They are not sure if this final payment will take or not since I cancelled the debit card associated with it. I have to check back again tomorrow. 

I am not a rich person but I am not a dumb person either. It concerns me that they have all of this information about me. I have seen a few Blog scam alerts online. People discussing it, having the same issues, saying they need to file a complaint. I 'm not sure that any of them have, so I wanted to make sure someone knew about this group.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: SUNRISE CREDIT SERVICES, INC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
GET OFF THE  XXXX  ACCOUNT THIS DEBT IS ASSUMED. CEASE COLLECTIONS AND GET OFF CREDIT REPORTS.

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 2020-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 sent a certified letter to TransUnion on XX/XX/XXXX. It was received on XX/XX/XXXX ( as shown on certified receipt ). While they did remove some of the accounts with violations, TransUnion blatantly ignored several of the inaccuracies and violations which were pointed out to them in said letter. They continued to report the exact same inaccuracies and violations on my subsequent credit reports ( XX/XX/XXXX and XX/XX/XXXX ). Their failure to remove inaccurate information is severely impeding my ability to repair my credit. My credit report is riddled with inaccurate information which they are purposely reporting! I will attach a copy of said letter as proof.

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 2017-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
TransUnion is showing an account with  XXXX  #  XXXX  as being late. I have reported this particular  XXXX  acco unt to the police as I 'm not familiar with this account number and I suspect identity theft. At this time there is NO pending litigation in this matter. However, TransUnion is now in violation FCRA 605B states : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft 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 2020-04-21
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: Account information incorrect

Complaint:
XXXX, XXXX, XXXX, and U.S. Department of Ed violated my 609 rights by reporting incorrect information to TransUnion regarding my credit file. TransUnion further violated my rights by adding this incorrect information to my credit profile for others to see. 


XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX reported to TransUnion that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses corrected on my report. This is a violation of my consumer protection rights.

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 2015-08-28
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am a full-time student. I asked my mother to help me figure out how to manage my student loans. She helped me file for consolidation and deferment through XXXX. When she called Navient to inquire about how to ensure they had current information and what options I had to get current, after waiting on hold for over XXXX minutes and having to call again, she was told that she had to pay MY back balance by Monday, XXXX XXXX or they were going to default my loan. That was stressed as the only option. When she asked for copies of the promissory notes to be sent by email, she was told that they " had to do that now that she asked for them '' but it had to go through the legal department and would not be in time for the XXXX XXXX deadline that he set. I am not sure that any information they gave me is correct as far as how to manage this debt as a full-time student with obviously limited income.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Syncrony Bank send me to collections for an account that is already paid! 

XXXX XXXX  XXXX called me a few times to try to collect on a debt that is paid off. 

I called Syncrony Bank and they said the account was send to collections with " XXXX XXXX  XXXX  '' I have called a few times already, to take care of the issue, I dont get any help from both parties. and it shows on my credit as collection account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: WELLS FARGO & COMPANY
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Dear Sir/Ms. : For the purpose of introduction, I am a XXXX. In XX/XX/XXXX I completed a XXXX, in support of Congresswoman XXXX XXXX XXXX, ranking member on the committee on Science and Technology. 
In XX/XX/XXXX, I decided to complete a XXXX degree ( started at XXXX XXXX University in VA ) so that I could XXXX after over 35 years of XXXX. Due to a busy travel and work schedule I decided to use XXXX University ( my mistake ), and XXXX Department of Education ( DOE ) Federal Stafford loan as a matter of convenience. After acceptance of my application, The DOE, under XXXX XXXX, put the management and control of the loan into the office of the XXXX University Office of Financial management, and the largest alleged debt is now from WELLS FARGO? 
I received a communications from the US Department of Education dated XX/XX/XXXX ( please see attached file ). In that communications is further evidence of fraud. In the first table is a stated total of {$23000.00} from a Lender XXXX, XXXX, WELLS FARGO. I have never, ever, in my life applied for a loan with WELLS FARGO. I have never done any business with WELLS FARGO or talked with any representatives of that organization, yet the largest loan is stated as from WELLS FARGO. 
After passing the XXXX and continuing to the XXXX, fraudulent issues concerning mounting debt became so confused and exasperating, I realized that the school is about stealing money and not education. Therefore, XX/XX/XXXX, I notified XXXX University of my displeasure with their operation and that I will not continue with their program. I then started to repay the XXXX loan I made with the Department of Education ( DOE ), while trying to get answers to serious matters that indicate mishandling of the loan process by XXXX U and WELLS FARGO. A XXXX PLUS Loan is among my many complaints, it appeared at over 7.4 % interests when the DOE loan I applied for was 6 %. Thinking I made an error I paid it off in full. I continued making payments thru XX/XX/XXXX until I believed that all payments due were satisfied. I now have no confidence that the money I paid was ever received by the Lender, the DOE. The loan is now in default. 

After many attempts for assistance in resolving the issue, I submitted a letter of complaint to the new US Attorney General XXXX XXXX,, the department of justice responded with a letter, dated XX/XX/XXXX ( ID # : XXXX ), acknowledging they received my communications and will act on it. I am presently waiting, waiting, waiting for a response from the Department of Justice.

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: 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:
Equifax removed an inaccurate credit reporting in XX/XX/XXXX and then put it back on my credit XX/XX/XXXX. This has resulted in XXXX missed payments on my score. This was a lease agreement, not a creditor. They have falsely reported the account as a line of credit and Equifax knows this and yet they allowed missed payments to ruin my credit. In addition the claim was proven inaccurate and removed over a year ago and now they have put it on again. 

The original complaint was against a property management company, XXXX XXXX XXXX. The item was found to be incorrect and removed and then put back on without merit. The item was a collection for a lease agreement. It has instead been reported as a line of credit with missed payments. The original claim was fraudulent and deceptive to begin with and removed by Equifax ( I have attached two dispute numbers, I do not remember which it was and Equifax has since deleted the disputes and resolutions however they looked it up when I called and admitted they put it back on in error. 

Putting this false reporting back on to my credit over a year after the initial removal has severely damaged my Equifax credit score. When I disputed this the investigation was closed four hours after I filed it ( I attached the screen shot of the date dispute was started and completed. Both are on XX/XX/XXXX. ) .Equifax did not even investigate properly. 

I have called to resolve and they admitted it was an error on their part however they have yet to fix it. 

I am so distraught that Equifax would do this to me. They do not pay attention to what they are doing and they do not care what the repercussions are for consumers.

Company response to consumer: Closed with explanation