BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-12
Company: CCF Intermediate Holdings LLC
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This particular collection has been on my report since XX/XX/XXXX. According to the statute of limitations, a collection can only be on your report 7 years. + 180 days from when it became past due. XXXX purchased this debt in XXXX and it is still on my credit report, also they are still updating when it should be coming off. this year XX/XX/XXXX is when it should have came off. 
I am requesting for this account to be removed completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: DISCOVER BANK
State: WA
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've had a freeze put on my credit report yet somehow a hard enquiry was allowed to be put through by XXXX XXXX and DISCOVER FINANCIAL SERVICES on XX/XX/2023. Before I had a freeze put on my credit an enquiry was made by XXXX on XX/XX/2023 and XXXX  XXXX on XX/XX/2023. All these are a result of fraudulent activity as I have never applied for credit from any of these institutions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: CO
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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: Information belongs to someone else

Complaint:
A collection acount appeared on my credit report since XX/XX/XXXX showing that I owed balance from the XXXX XXXX an apartment I lived in XXXX. So I contacted the XXXX XXXX on XX/XX/XXXX and got their email reply showing that I don't owe them anything, there must be something wrong with the collection agency XXXX. I called XXXX on the same day and sent them my email correspondence with The XXXX XXXX and asked them to remove the account on my credit report. This account disappeared on my credit report after few weeks, so I thought it's finished. On XX/XX/XXXX, I got a call from XXXX again asking me to pay the account. I reiterated the story to that person again and sent them everything again through email on the same day, never get their reply. Until XX/XX/XXXX, I was applying a new apartment, this collection account appeared again on the tenant screening report from Experian RentBureau, and the application got declined due to this account. Now RentBureau asked me to provide a letter from XXXX showing that this account wasn't mine, but XXXX was saying that this account wasn't mine so they won't provide anything to me. Neither of them would like move forward for my case, but the account is still on the report and damaging my housing application!

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 2023-04-08
Company: Experian Information Solutions 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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$1600.00} ; XXXX XXXX XXXX Balance {$1700.00} ; XXXX XXXX XXXX XXXX  XXXX Balance {$780.00} ; XXXX XXXX  XXXX Balance {$3000.00} ; XXXX XXXX XXXX Balance - ; XXXX  XXXX XXXX Balance {$4400.00} ; XXXX  XXXX XXXX XXXX XXXX : {$4200.00}.

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 2022-10-13
Company: WESTERN UNION COMPANY, THE
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sent XXXX 's friend to XXXX {$500.00} a month ago, but he can't get it. I need a number to return them. My friend can't get money. He gets the message : transaction rejected. It used to be easier when I called and they gave me a number for a return receipt, since I paid in cash. I have not been able to get my money back from Western Union for a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
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: Was not notified of investigation status or results

Complaint:
I have been trying to get updates from off my credit reports. Please remove all unverifiable and unauthorized negative accounts. Or I will have to file for litigation. Please have them update the credit reports immediately. This is against the CFPB regulations and guidelines

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was XXXX XXXX, XXXX XXXX. I bought a land lot and built my home. XXXX never put me on bank loan financed by XXXX XXXX XXXX XXXX. After XXXX  XXXX XXXX refused to accept me a rightful owner despite having home assigned to me by XXXX  court, and having a Quit Claim Deed on it. I originally owed {$170.00}, but after XXXX years of XXXX XXXX refusing to allow me to Assume the mortgage they now claim I owe them {$400000.00}. as they enforced the costliest Insurances and the highest compound interests. I was forced to file Bankruptcy in order to prevent XXXX bank to take home. Now in XX/XX/XXXX, XXXX XXXX sold my loan to Specialized Loan Servicing and I am having the same difficulties with them. They have refused to allow me to Assume the mortgage, or to give me a trial payment plan of a year, which they state they could do. My interest is in saving my home, rectifying the paperwork and putting this account back on track. SLS has not been willing to modify the mortgage despite the fact I make sufficient salary to pay. I have lived with my sons, and who have medical problems, and my mother with end-stage XXXX XXXX in this home since 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 2021-01-15
Company: National Credit Systems,Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have filled multiple ftc identity theft reports and I also told this company that the debt does not belong to me. I even sent the company the ftc identity theft report. this account is still reporting on my credit report, without sending me any validation of this debt. I'm asking for this company to remove this from my credit report as it it preventing fee from getting a house

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This complaint is in reference to my previous complaint XXXX. I did enter the correct password so I shouldn't have needed the PIN.

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 2023-04-08
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law The accounts are listed below that need attention : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00}

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 2021-01-15
Company: Ocwen Financial Corporation
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our mortgage is through PHH Mortgage Corporation. We made several attempts to apply for what the company calls " Mortgage assistance ''. The requested information was sent to the company each attempt. We then waited for a response. Several weeks passed and there was zero attempt to contact us. Later we received a letter stating that PHH did not receive all needed information and the request was denied. Due to the companies poor communication, we never received a letter or telephone call to inform us that more information was necessary. This issue occurred upon both attempts to apply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: AL
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 reached out to Experian in XX/XX/XXXXXXXX  and tried again XX/XX/XXXX. They are refusing to remove inquiries I did not approve of.

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 2023-08-21
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-02
Company: EQUIFAX, INC.
State: SC
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:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed these accounts so many times with but they always complete this account as Included in Bankruptcy which im already aware of. Everytime they update these account into " Included with Bankruptcy " my score goes down. My score has been going down solely because of this. I disputed these for inaccuracies in it but they hasn't provided me any documentation or verification supporting their decision findings. ONCE AGAIN, I AM DISPUTIMG THESE ACCOUMTS FOR MULTIPLE INACCURACIES. IF YOU CANT PROVIDE ME ANY TYPE OF VALIDATION, VERIFICATION OR EXPLAINING THE INACCURACIES ON THESE ACCOUNTS. PLEASE REMOVE THESE ACCOUNTS FROM MY FILE IMMEDIATELY. 
Attached see attached files.

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 2021-03-12
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chase Bank has discriminated against me because I am an XXXX American Male. A have business that entails landscaping and Personalizing Items. I applied for a SBA loan and was approved. Chase went into my account from last year after witnessing my race and noticed a deposit from the SBA. The Froze my account with all my personal money and Direct deposit from work. I called to get the reason why my account was froze and the fraud department was very adamant it was FRAUD. I was told by a CHASE FRAUD SPECIALIST to submit a letter from my CPA Vouching on my behalf I am a legal business owner who operates as a sole proprietor under my social, and the letter had to be notarized. I provided the letter as requested, they still will not release the hold and FRAUD alert off my Personal account. The Fraud specialist are now telling me I must obtain a EIN to operate as a sole Prop. under my social. I know that's false and inaccurate information. I have read several reviews of other XXXX American men who has experienced the same Discrimination after providing proof of have a legal business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX  XXXX  XXXX  XXXX XXXX  : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX : {$0.00} XXXX  XXXX XXXX  : {$0.00} XXXX  XXXX XXXX : {$0.00} XXXX  XXXX XXXX  : {$0.00} XXXX XXXX XXXX  : {$0.00} XXXX  XXXX XXXX  : {$0.00} XXXX  XXXX XXXX  : {$0.00} XXXX  XXXX XXXX : {$0.00} XXXX  XXXX XXXX  : {$0.00} XXXX  XXXX XXXX  : {$0.00} XXXX  XXXX XXXX  : {$3700.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} NATL XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX  : {$900.00}

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 non-monetary relief
Consumer complaint received 2021-01-15
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I accidently made TWO {$200.00} payments in XXXX which nelnet happily accepted so I assume I owe NOTHING for XXXX since I'm ahead one month. I'd email nelnet myself and ask them but their customer service sucks and apparently only robots reply to emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Discover Credit Operations Team Subject : Violation of 15 U.S. Code 1681m - Requirements on Users of Consumer Reports Reference Number : XXXX Dear Sir/Madam, I am writing to bring to your attention a serious matter regarding the denial of an extension of credit on my open-ended credit plan with Discover. I have recently discovered that this denial may be in violation of 15 U.S. Code 1681m, which outlines the requirements placed on users of consumer reports. 

According to my understanding of the law, as a user of consumer reports, Discover Financial Services is obligated to follow certain regulations when making decisions related to extending credit. Denying me an extension on my own credit, which is not related to insurance or employment, raises concerns regarding potential non-compliance with the aforementioned statute.

Section 1681m specifically states that users of consumer reports must have a permissible purpose for obtaining the report. Denying an extension of credit on an open-ended credit plan, where the consumer is already an existing customer, does not appear to meet the criteria of a permissible purpose as described in the statute. 

I kindly request that you review my case thoroughly and provide an explanation for the denial of my credit extension. If there has been a misunderstanding or error, I would appreciate it if you could rectify the situation promptly. Additionally, I would like to know what steps you will take to ensure compliance with 15 U.S. Code 1681m in the future, so that no other customers face similar issues. 

I believe that open and fair communication is essential in resolving any concerns, and I hope that we can reach a satisfactory resolution to this matter. I look forward to your prompt response within [ mention a reasonable time frame, e.g., 10 days ] from the date of this letter. 

Thank you for your attention to this matter. 

Caveat Any harm caused to a vessel is equivalent to harm inflicted upon a living person, If Discover continue to violate these rules, it will be considered as your agreement to my terms and conditions. You have a period of 10 days to respond to this agreement. Failure to respond will be considered as your acceptance of the Terms of XXXX XXXX Sovereign and the Fee Schedule of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will file a lawsuit ASAP!

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