BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-07
Company: Selene Finance LP
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Between XXXX and XX/XX/2019 Selene Finance made a change to their payment portal. Now if you pay XXXX as payment and try to add XXXX as principal it comes to XXXX for the total. If you make the principal XXXX then it comes to XXXX. This is after their system failed for several months preventing the ability to apply any additional payment at all on the principal. 

They sent me a couple letters assuring me they arent skimming the pennies but I dont understand why they dont fix it. I also was seriously upset when I could not pay extra on the principal. But they sure call and harass you starting on the XXXX of the month if they have gotten your payment yet. 

Selene Finance is a terrible servicer and I am so sad that united veterans uses them for mortgage servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This creditor is reporting negative debt against my credit report and has refused to delete it. This creditor is in violation of several consumer credit rights under the Fair Credit Reporting Act. 

According to the Fair Credit Reporting Act, I am entitled to notices concerning the reporting, handling and use of my credit information. Notice violations under this act occur when a creditor fails to notify you when it supplies negative credit information to a credit reporting agency and when a creditor fails to notify you of your right to dispute inaccurate credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was in the middle of an equifax breech and still didnt have any success someone used my social to open up various accounts and even trimerge my information with someone elses! I have a actual extended fraud alert and security freeze on my account to where they have to call me to validate everything which is annoying now its hard to get instant approvals! Attached are the claims Ive been filing to prove myself this whole year! I even got denied!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
At the close of my house on XX/XX/22 I had the attorney pay off 2 accounts with Midland. After receiving their payment they sent me a letter stating the debt was paid in full. One was XXXX and one over XXXX. When I saw they still have full amounts on my credit and they are going up a few dollars a day I disputed them. XXXX came back and said I was correct however midland changed my amounts owed and didnt XXXX my accounts out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: RENASANT CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Renasant Bank changed the way its website works and I've had difficulty accessing my account. The bank has sent at least one text to my current mobile number, which means they have the correct one on file. 

However, the bank insists on sending a one-time code and only shows my old number, which I can't use for security reasons. 

There used to be other alternative ways to securely verify my identity, but these options aren't a part of this new digital rollout. 

No one is answering the phone number they've provided for people having issues with their accounts. I haven't been able to access my bank information for about XXXX business days or get ahold of the appropriate person. Per various XXXX searches, I can see I'm not the only person with these issues.

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 2023-07-07
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. 
XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX XXXX : {$460.00}

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 2023-06-29
Company: Block, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/2023 my tax refund was deposited in my cash app account {$5.00}, XXXX I think on XX/XX/2023 cash app let someone steal my money which was {$3.00}, XXXX that was left in the account and transfer it to four different cards from what I was told I don't know who it was and they don't think they're responsible and they said it's my fault I did not give permission for it and I contacted them they keep hanging up on me I've been calling them repeatedly and going to the website for support and didn't know where

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Resurgent Capital Services L.P.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been contacted by a company by the name resurgent about a web bank account ending in XXXX as well as a XXXX  XXXX account ending in XXXX which are not accounts i have opened. I have tried to dispute them via credit karma twice and it has went no where. i believe these to be from fraud. and would like them both removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: TRANSWORLD SYSTEMS INC
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
when my daughter was in medical school, she took out loans to keep her family afloat. i cosigned the loans. and i would do it again if she needed it. she is doing what she wanted. i have been attempting to get a settlement on the loans so i can move on with my life. they have placed judgments/liens on my home. i have been trying since XXXX to get a response. NOTHING. where is the customer service?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Chime Financial Inc
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX  I was XXXX  I was not released until XX/XX/. During this time my account with chime had been compromised. Upon release from prison I contacted chime immediately to notify them of the incident and start a dispute. Since opening the dispute claim Ive been denied 11 times after providing this company with my XXXX XXXX from the courthouse showing my whereabouts during the dates listed above. Ive also provided them with a police report also filed a claim with XXXX and XXXX XXXX. Also they have been provided an update from the police report with an arrest for the fraudulent activity done on my account. I have attempted to resolve this with them multiple times, I have also requested the documents used in the investigation and they have failed to provide me with the facts just a list of the transactions and questions they ask me when I called in to report the issue. I want the dialogue between them and the merchant I also would like photos of the transactions of possible. They have failed to provide this or provide me with data that support their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i. 

I waited 30 days and I haven't received anything. The letter was mailed out on XX/XX/2023, compliant ID is : XXXX. It has been over 30 days. 

And one more thing, they didn't even record the current status of the disputed information. 

Experian is holding me back from getting a home. This is very frustrating because I am trying to buy a home for my family, but Experian is doing its job according to the law.

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 2022-01-04
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$5800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$120.00} CXXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$880.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX CORSA XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$5800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$120.00} XXXXXXXX XXXX Balance : {$2.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$880.00}.

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 2022-12-07
Company: Chime Financial Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hi, My name is XXXX XXXX. On XX/XX/2022 at around XXXX XXXX  I got a notification that someone logged into my Chime account and was sent a 6 digit code. By XXXX XXXX  {$560.00} was sent to an email : XXXX. This person transferred my remaining savings balance into my spending account and sent all of my money ( leaving XXXX XXXX XXXX to that email. I immediately cancelled my card and changed my password but it was too late. I got a notification that money was transferred to that email. I immediately cancelled my card and reset my password. I sent proof to Chime but they denied the dispute and said there was " no error found ''. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Portfolio Recovery Association representing XXXX XXXX XXXX   XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2017 amt {$1600.00} XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have never received any notice until all of a sudden my credit monitoring company notified me of an account reported in collections. I filed a dispute with Transunion on XX/XX/XXXX and on XX/XX/XXXX Transunion notified me that the creditor had already replied that the debt was valid. It is not valid for several reasons, for one the debt is purportedly close to 10 years old ; secondly, I was a victim of identity theft with payday loans during the years XXXX, and thirdly, the original amount in dispute was {$300.00} and.now {$2300.00} is purportedly owed. XXXX XXXX XXXX is the new creditor trying to collect an old debt and is in violation of various Federal laws governing debt collection and debt collection practices.

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 2023-06-29
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland Credit Management calls me several times a day. Agents on the line use abusive nasty language. I have had agents call me and hang up in my face. I have asked that the company verify the debt and they just argue with me that it is my debt when I have repeatedly advised that it is not my debt. 

Midland Credit Management has refused to validate the debt or provide proof of the debt. I have been told that the amount that I woe is for {$690.00} however I dont know who they are collecting for and what the debt is for. Once again they have provided any information that this debt belongs to me. 

The last time that they called was 6 times today, XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-19
Company: Ocwen Financial Corporation
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
in XX/XX/XXXX I did a short sale to the bank as my house went into foreclosure. it was approved. in XX/XX/XXXX I received tax form XXXXAcquisition of Abandonment of Secured Property. balance of principal outstanding XXXX fair market value of property XXXX. this was done by Owen XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX . 

in XX/XX/XXXX I received XXXX Cancellation of Debt. date XX/XX/XXXX. amount of debt discharged XXXX. done by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX. 

now I owe XXXX dollars in taxes to the IRS. where did this amount come from. someone else was living at the address one month after I moved out the original mortgage was done by XXXX XXXX   back in XX/XX/XXXX who was part of the mortgage crisis, it was a high interest loan which I tried to remodify 3x and was turned down

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX Balance : {$240.00} XXXX  XXXX Balance : {$430.00}

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 2022-12-29
Company: CarMax, Inc.
State: VA
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:
I previously applied ( online ) for a consumer credit transaction at Carmax on XX/XX/2022 and my application was denied. 

I sent a certified letter to Lawyers explaining they violated my consumer rights which was received XX/XX/2022 The Company did not provide an official response. 

I sent an Adverse Action Letter to the lawyers certified letter received XX/XX/2022 explaining they were violating consumer law according to the Equal Credit Opportunity Act which is codified in 15 U.S.C. 1691c and is pursuant to civil liability under 15 U.S.C. 1692k.

Carmax is criminally liable for violating 15 U.S.C. 1691 as I have proof that I was discriminated against by Carmax due to the response I received. 

Carmax is in violation of 15 U.S. Code 1642, U.S.C. 1681m and 12 CFR 10002 because I, the consumer, made an application in good faith, but credit was not issued.

The company provided no official response I sent an email XX/XX/2022 explaining the adverse action company did not respond I was unable to speak with their consumer relations team directly they only accepted emails and letters

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: ENCORE CAPITAL GROUP INC.
State: AP
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is the third time i have been contacted by this particular creditor regarding an account that is not mine and was opened fraudulently. I had no knowledge of these accounts and they have threatened to take legal action. The accounts is question include the same two from before which is a XXXX XXXX account dating back to XXXX for {$650.00} and an XXXX XXXX account dated XX/XX/XXXX for {$3300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: Velocity Portfolio Group
State: NC
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:
In accordance with the fair credit Reporting act CKS Prime Investments {$840.00}, XXXX XXXX XXXX {$700.00}, XXXX XXXX XXXX, {$360.00} XXXX XXXX XXXX {$250.00}, XXXX XXXX XXXX {$230.00}, and XXXX XXXX XXXX {$230.00} 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 an 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 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 2022-01-04
Company: Experian Information Solutions 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 explanation
Consumer complaint received 2021-06-29
Company: Nelnet, 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:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. P

Company response to consumer: Closed with explanation