BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-25
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: Personal information incorrect

Complaint:
Equifax has my married name on my report, yet I have requested that to be changed several times. The response to this action is that creditors are allowed to change this information at their discretion. As well, there are phone numbers on my file that do not belong to me as well as debts on my  XXXX  file that have been cleared with all other reporting agencies. My goal is to have all of my credit reports consistent with the proper information during the process of repair, which I am currently engaged in. I have experienced issues in accessing my account online as well as dispute claims not being addressed within the proper time limits.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: CITIBANK, N.A.
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:
XXXX is XXXX paid account reporting negatively on my credit report and it is not mine. I want it off. As well as CITI from XX/XX/2013.

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 2021-11-19
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Received text from XXXX stating that my bank account was inoperative and to contact them immediately at an XXXX number. When called sounds legitimate asked for personal info XXXX #, pin for debit, and debit card number and expiration date and security code for that debit. XXXX was given however when I contacted my bank it was not from them and nothing they were aware of. Ultimately had to call social security XXXX and all XXXX credit companies to protect myself as well as lock and cancel that card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Navient Solutions, LLC.
State: IA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
XXXX / XXXX /  XXXX   From :  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , IA  XXXX  To :  Navient    XXXX   XXXX    XXXX   XXXX , PA  XXXX  In regards to : Navient I,  XXXX   XXXX  is non-adverse, nonbelligerent, non-committed party, secure creditor with power of attorney general and Executor on behalf of  XXXX   XXXX     XXXX    ESTATE , is in possession of your recent voluntary submission of evidentiary documents.   Navient must herein provide a true and certified copy of the complete  audit trail o f all accounts of  XXXX   XXXX   XXXX . Furthermore, in order for Navient to validate this so called debt, please provide verification through audit certification of debt entry in accordance with   XXXX   XXXX   in accordance to  XXXX   XXXX   XXXX  and  XXXX  conventions I would also need a copy of your Tax Registration certificate.   Please do not provide a statement of accounts. I already have received these document. I am wanting to see the complet e audit trail of all account ( s ) from conc eption.   Failure to substantiate the claim, please settle the account immediately within the next 30 days.     Sincerely,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
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: Account status incorrect

Complaint:
I am still showing an Account with XXXX XXXX which has previously been resolved. The account belonged to an ex spouse and I am not responsible. They are reporting incorrectly that I owe a balance with them. I do not owe XXXX and the balance reflected should be XXXX and removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
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: Account information incorrect

Complaint:
Thank you so much for taking the time to read this complaint I have a dispute with Transunion reporting incorrect data on my credit report as well as XXXX XXXX XXXXeporting incorrect data as well. 

I have reached out to XXXX XXXX and they have failed to provide proper documentation for this dispute they have not validated this debt. 

XXXX XXXX have not provided a contract validating this debt. 

Transunion is showing no account history. 

There is alot of major discrepncies with this account. 

They keep reporting late payments when the account is charged off.

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 2021-11-18
Company: WHEELS FINANCIAL GROUP, LLC.
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:
XXXX XXXX - XXXX and XXXX XXXX XXXX XXXX These accounts are not mine. I am a victim of Identity Theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Specialized Loan Servicing Holdings LLC
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Specialized Loan Ser vicing ( SLS ) has been notified on at lea st five se parate occasions, starting over a year ago, that I did not receive my  XXXX  Mortgage Interest Statement for the year  XXXX . The las t two call s I made, which have occurred today and  two mont hs ago, resulted in redundant information being given to me, again. The lady stated  XXXX  and  XXXX  statements were mailed, but there is no  XXXX  statement to send me ; that it was never generated. Today 's lady told me that I would have to contact the IRS directly to request them to send the information to SLS. This makes no sense to me. I 've received  XXXX  extra copies of the  XXXX  statement, instead of the  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 2017-04-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am applying for a mortgage loa n with 5/3 Ba nk through their physician program. I offered {$250000.00} on a property. The appraisal came back at {$220000.00}. We are currently disputing, but the appraisal was poorly done and I believe was biased. The appraisal includ ed 2 properties that were listed, not sold and on the market over 90 days and a short sale when there wer e other, more comparable, properties that had recently sold. These were even provided to th e appraiser by the seller 's  agent. The property is located on the south side of  XXXX  in a traditionally low-income neighborhood. It is my impression that the bank and th e appraiser are allow ing their own implicit biases to come into play with regards to this loan. I do n't think the bank wants to invest in a neighborhood like  XXXX  due to its demographic. I find this unethical and inappropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have 2 ARS collection notices, I was not notified of a medical bill ( s ), I was never provided with the Dr. information, date of service, itemized charges, I have requested information and have not recieved any proof from the collections that this is mine.

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 2017-04-25
Company: Continental Finance Company, LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My employer was contacted by someone representing a  XXXX   XXXX  an attorney asking if I was there so they could serve me with court documents. My employer told them no and then contacted me. I called the number she was given and the person I spoke to was very combative and yelled at me, they told me they had received a judgement forcing my employer to garnish my wages. Later they backtracked and told me IF it went to court they would be allowed to garnish my wages. I asked for validation of the debt and was told no, I had to find it myself. The initial debt was {$370.00} and now they are saying I have to pay over {$1200.00} and when it goes to court I will have to pay court fees and filling fees and my total will increase to over {$4000.00}!    XXXX  the company that currently hold the debt, would n't discuss anything with me and kept referring me about to  XXXX  's office and the person at  XXXX  's office said that everything had to be approved my  XXXX . They kept running me in circles ...

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 2020-04-22
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The FTC suggested I contact the Consumer Financial Protection Bureau, which has given me instructions which I am now following. 

The problem started with the theft of my identity in XXXX. Under the suggestion of the FTC, I placed credit freezes on three credit reporting agencies : XXXX XXXX, XXXX  XXXX XXXX and Experian. I eventually removed the freezes from XXXX XXXX and XXXX  very easily by simply phoning them, but Experian has proved impossible to remove. 

Recently I had the issue come up again while trying to apply for a credit card. I called Experian and received recorded messages of the steps to take. Per recorded instructions, I sent a cover letter with the information requested, along with copies of two bills to verify my utility accounts and my current address. I mailed this via USPS on XX/XX/XXXX. 

I have not been informed as to whether Experian received my request or whether my request to lift the freeze has been granted. 

I have spent endless hours online and on the phone trying to get help removing the freeze. Unfortunately, I can not remove the freeze online without first becoming a paid member of Experian. To me, this is a scam. 

I promise you, I am more tech savvy than most, and have tried for years every potential lead online and telephone number, as well as snail mail, to have Experians freeze liftedto no avail. 

Please help! 

PS. I have tried to include the two bills mentioned in my cover letter attached here ; your " Select a file to upload '' is not cooperating. However the cover letter I mailed to Experian includes those two items for proof of address, which I sent via USPS.

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 2021-11-19
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX, XXXX FL XXXX has been sending me collection notices in the amount of {$6300.00} {$4000.00} and {$3200.00}. The collection has been placed as past due balances. I do not know this company. I have never did business with this company l. This company does not have any legal binding contractual agreement with my name on it. I want this alleged debt Given back to the original creditor or removed immediately.

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 2021-11-19
Company: Mr. Cooper Group Inc.
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I went to pay my mortgage as usual and when I logged in to Mr. Cooper website my mortgage went from XXXX to XXXX without notice. I contacted my closing attorney and loan officer and they told me the servicer is incorrect. The servicer has me down for XXXX in property taxes but the XXXX 's where I live gave me documentation showing my taxes is XXXX. I have been getting debt collection calls. my payment is still showing as if I didnt pay my mortgage. they said it is a partial ; payment. 

They tried to charge me to pay over the phone because the website does not give you an option to input an amount to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX   XXXX ,    2017  To whom it may concern, I have been trying to properly cancel my account with  XXXX  under buyers remorse since  XXXX . They sent me  XXXX  new phones for which I promptly mailed back to them using the  XXXX  return shipping label Tmoblie provided. The phones were lost by  XXXX  in their shipping and  XXXX  has assumed responsibility for that claim since  XXXX . Since  XXXX ,  XXXX  says they have reached out to  XXXX  in writing requesting several times that TMOBLIE respond to their questions before they can issue  XXXX  payment.  XXXX  says  XXXX  has neglected to respond to any of their requests. From my perspective, I know that both these companies have wronged me since they have not resolved this silly paperwork issue between the  XXXX  parties and my credit is being destroyed. Meanwhile,  XXXX  has placed my account in bad standing by making it appear as though I have failed to pay my debt ( that I owe them for the phones {$3600.00}  ) and  sent my account to  XXXX  different collection agencies who are currently capable of destroying my credit. I have waisted 6 months of my life reaching out to  XXXX  as well as the collection agencies and  XXXX  to no avail thus far with no resolution in site, I am viewing this inaction to respond to  XXXX  to resolve this issue as an action to unjustly destroy my credit. I am asking that your agency step in to try to get them (  XXXX ,  XXXX , a nd ERC ) to notice me so that this case can get out of the bureaucratic level and be escalated to a level   where this matter will finally be resolved. You would think this should be simple to solve since  XXXX  fully accepts blame and is willing to pay  XXXX .  XXXX  wont speak to me because they say the matter is between  XXXX  and  XXXX .  XXXX  wont speak to me because they closed my account and sold the supposed debt to  XXXX  debt collection agencies. The collection agencies are very abrupt with me and only want to know if I wish to pay the debt or if not they are reporting to credit bureaus. I am an honest person, and always pay all my bills and on time. Please help me.  Im really stuck and I dont know what else I can do or who I can turn to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: Sequoia Financial Services
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:
I do not have an account or a relationship with Sequoia XXXX XXXX. I do not have a contract with Sequoia XXXX XXXX. This alleged debt is listed on my consumer credit report. The alleged debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent letter to courts saying I was unaware that they reported to the credit bureaus. They sent a letter saying they DO NOT communicate with them. I sent the letter from court along with a follow up letter to credit bureaus asking to verify who reported information about bankruptcy, and they havent sent Valid response to whom reported it to them. If it cant be Verified it has to be deleted. I requested twice that it be deleted and they reponded with a dispute letter saying it will remain on 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 2018-05-31
Company: U.S. BANCORP
State: SD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took a loan from US Bank. It was a short term loan for me but I was advised that I would have a {$100.00} penalty if I paid in less than a year which was XX/XX/XXXX. They lost my {$100.00} payment transfer in XX/XX/XXXX. It took 4 phone calls over the course of 10 days for the payment to be found however it was deducted from my checking account immediately. This was eventually resolved. 
I paid again in XX/XX/XXXX at which time the payment transfer was again lost. This took several calls at which time I was told the remaining {$100.00} balance of which I paid {$50.00} was a penalty for paying off early. It had never been disclosed this penalty was part of my ongoing balance. I advised them of this and that I did not want the loan closed to prevent the penalty from being charged. I requested the statements from the checking and loan accounts. I was told there would be no fees for these statements. The bank then closed my loan and kept the {$50.00}. I did not receive the loan statement so I called again. The agent advised I would be charge {$15.00} for the statement. I indicated several times during that call I was not willing to pay that fee. I received a one page statement and was charged {$15.00}. I requested both of these amounts be returned to me on several occasions and this was refused. 
In XX/XX/XXXX, I received a letter that US Bank was going to take a home owners insurance policy on my home based on this loan unless I provided documentation that my home was insured. When I called regarding this letter, I was told that I had to close the account in order to prevent this insurance and being charged for it. I requested the account be closed. ( Keep in mind I paid a penalty for closing the account in less than a year, even though I specifically stated that I would not close the account until the year had passed. ) The agent indicated I needed paperwork to request that or I would be charged for the homeowners insurance. I requested the paperwork which was not received within the 2 days I was told it would be sent. Two weeks later I called again. This agent indicated she could close the account over the phone. When I asked her why I would be charged for insurance when I owed no money, she said she did not know and could not investigate on a closed account. I have no idea if the account indeed did get closed, or if I will be charged for homeowners insurance that US Bank decides to take on my home. I have requested written confirmation.

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 2021-11-19
Company: Renton Collections Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I believe I am a victim of identity theft. I have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I decided to look at my credit reports from the XXXX Credit Bureau and found that this RENTONCOLL ( Original creditor : XXXX XXXX XXXX ) was reporting to be negative on XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 1, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation