BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-25
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have reached out to Experian, XXXX, and XXXX numerous times in regards to the blatant of inaccuracies listed on my report by the following institutions XXXX XXXX XXXX XXXX and XXXX XXXX. Both of these institutions have reported on my credit report that I was late on payments : XXXX XXXX XXXX XXXX reported that I was late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, etc. Most of these instances happened during the pandemic which I requested that XXXX defer these payments while I was experiencing financial hardship as a direct result of the pandemic. In XXXX, I requested deferments timely due to experiencing financial hardship. All of these times, I reached out to XXXX and requested deferments timely and was told that these deferment requests would not cause them to report to the credit bureaus that I was late. Considering XXXX, did not follow those statements made on a recorded line, I requested all documents as it relates to those requests as required by law. XXXX never responsed to my requests or completed an investigation. All credit bureaus never responded to my requests for results of their investigation via mail. Being that they never completed a thermal investigation, XXXX, reported that I was late in XXXX up and till XXXX. When I requested for the account to be close numerous times by phone and mail. The requests was made XXXX for XXXX XXXX to close the account. I requested that a final bill/statement be sent to me so I can make prompt payment. No final bill was received to which finger hut reported me late. I have requested all the credit bureaus to investigate this dispute. They have failed to provide any results of the investigations or responses that XXXX may have made to justify them for reporting me late. None of the bureaus fulfilled their duty as required by 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 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting 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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-06
Company: Experian Information Solutions 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:
I took a look at my credit and noticed a account that does not belong to me I contacted the credit bureau experian and they said they couldnt do anything about the student loan account I have never been a student at a college and have never received a loan from this company I contacted them for the last XXXX months

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 2021-07-27
Company: EQUIFAX, INC.
State: FL
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 filed 2 complaints against Equifax using this platform. Complaint # XXXX XXXX. I receive a letter in the mail today from Equifax claiming they can not investigate this claim because they have no idea which report I am referring to. They claim I need to call them and give them more information.I attached a copy of my credit report from Equifaxes website. I clearly mention the companies name that I have the dispute with XXXX XXXX XXXX. There is only one account on my credit report with XXXX XXXX XXXX on it. The report and other documentation I supplied is from Equifax. They are telling a lie and trying to get out of taking responsibility for knowingly allowing a company to report false information. There is no way they can not know what company I am talking about. Look at the files I uploaded on those complaints. Its abundantly clear which company I am referring to.The documents I submitted are from Equifaxes own site so how can they not know which company I an referring to. LOOk at the attached document. It clearly says XXXX XXXX. It is also clearly from Equifaxes on site. It has Equifaxes name on it, my name and XXXX name on it. It is impossible for Equifax to not know which company I am referring to. The attached documents are the same ones I attached with the 2 above complaints. First Equifax claimed they could not investigate because I did not supply my account number. They know I have no access to my account number. They know that no where on my account page does my account number display. They need to quit playing games and answer my complaints. See attached screen shots. Nowhere on my account is an account number displayed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: COLUMBIA BANKING SYSTEM, INC.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/ I received a call from Umpqua Bank 's fraud hotline regarding a purchase I did not make. Upon reviewing my account, I noticed 4 charges that were fraudulent and not performed by me. The charges in question were for : XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$540.00} XXXX XXXX {$130.00} USPS.com XXXX {$9.00} By the time I received the call for the fraud charge, it was one for XXXX XXXX XXXX that would have overdrawn my account. 

I called Umpqua on XX/XX/ at XXXX to report these transactions as fraud. I was told at this time that I could not get any type of provisional credit for the funds that were stolen. 

I called again today, XX/XX/ in an effort to get a provisional credit, since most of my money was stolen. I spoke to a representative that told me provisional credit was not able to be issued. I escalated to a supervisor named XXXX, who told me the same, and again to a manager named XXXX who again told me that provisional credit could not be issued. Additionally, XXXX told me that they had 10 days to investigate and that a provisional credit may not be issued after 10 days either. 

It is extremely disheartening that Umpqua Bank compromised my information in a data breach in XX/XX/XXXX XXXX  and then when there is fraud on my account and the majority of my money stolen, they are not willing to provide a credit so that I can pay my bills.

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 2021-07-27
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Re : Consumer number XXXX and XXXX Case Number XXXX and XXXX Several months ago, I contacted LexisNexis Consumer center asking them to provide me a physical copy of my consumer report. Lexis Nexis provided me the information needed to access my report online. I do not have frequent access to a computer. I explained that in a previous letter to them. In XX/XX/2021, I received a letter from Lexis Nexis asking for copies of my Drivers license, social security card, and a utility bill. I provided said information. On today XX/XX/2021, I received a letter like THE PREVIOUS LETTER OF HOW TO ACCESS MY CONSUMER INFORMATION. As I stated before, I do not have frequent access to a computer ; my nearest XXXX or such store is over 15 miles from my house. I am not sure why Lexis Nexis is refusing to provide me a copy of my consumer information in the US mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When closing in XX/XX/XXXX, Ditech did not explain that I would have to file for homestead exemption in my state. I only learned of this AFTER they raised my payments in XX/XX/XXXX to cover the " underage '' for payment of county taxes. I had to contact the county, fill out and file paperwork to get it backdated. I did so, but it took the county a few  months to process everything. In XX/XX/XXXX, Ditech did two analysis, but only sent a check for {$180.00}, even though they had received a check from my county at the end of XX/XX/XXXX or beginning of XX/XX/XXXX. I did get a reduction in my mortgage payments in XX/XX/XXXX. I called FOUR times to have them send the check to me ( the county had  to send it to Ditech for reimbursement to us since Ditech had sent the county the money ). EACH time I was told NO other analysis had been run and that they would escalate it. This is approximately $ 1,400-plus that they have kept over the 30 days allowed. It wasn't until my wife blasted them on their XXXX page that we had any positive communication. She posted on XX/XX/XXXX, and again on XX/XX/XXXX. The claimed to have mailed a check, but as of XX/XX/XXXX, no check has arrived. I believe they have violated federal law on keeping the money longer than 30 days and refusing to refund the money, even though they acknowledge " the check is in the mail. ''

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-03-20
Company: Foris DAX, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I logged into my Crypto.com account three days ago. I logged out and tried to login back in about 10 minutes later and couldn't. I have contacted support and they still haven't assisted me in logging into my count. My email addresses are XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/23 I requested a re investigation/method of verification a collection account is reporting as an open account, XXXX and reporting a past due amount collection cant not report as open nor have a past due reporting this is inaccurate reporting... 15 use 1681s 2 ( 1 ) ( d ) ..15 use 1681 2 ( 1 ) ( b )

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 2023-06-01
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 first 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-01
Company: Synovus Bank
State: NJ
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 604 ASection 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
Consumer complaint received 2018-12-26
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was trying to buy a digital good from a XXXX  user. aAnd bought the good off of PayPal and he scammed me for XXXX XXXX which is about XXXX USD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with. 
XXXX XXXX XXXX XXXX XXXX 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 2023-06-30
Company: Convergent Resources, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Was contacted by a collection company for a debt we have no idea of. Told them we did not know who or what & they should stop harassing us. They then said that we requested a packet of information which we had only instructed them to stop contacting us and harassing us. They are still doing it and we have no idea who they said we owed ( never heard of them ) but we have no idea who it is or anything regarding it - no knowledge - willful or otherwise. Please have them stop harassing us.

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 2022-05-01
Company: HILLTOP HOLDINGS, INC
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for Covid Relief Forbearance in XXXX, due to a temporary decrease in income and was approved so I did not need to make XXXX, XXXX, & XX/XX/2022 mortgage payments. Before the forbearance was over, I communicated with Prime Lending that I could resume making normal payments beginning XX/XX/XXXX and that I wanted to move the three months of missed payments to the end of the loan. I made a payment of the phone on XX/XX/XXXX because they have disabled the ability for me to make payments online. The payment was listed as unapplied in escrow and not credited as my XXXX mortgage payment. On XX/XX/XXXX they returned the payment to me.They have made me submit many documents and pulled my credit. They have told me that the only option I am allowed is a loan modification as long as their underwriting approves it. Whenever I call they treat me as though I am in default and nearing foreclosure. I was under the impression from reading the CARES Act that I was allowed to automatically move those payments upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions 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:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance XXXX {$300.00}

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 2021-07-27
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My student loans were handled by XXXX XXXX and Fedloan since before XXXX, I was notified by XXXX XXXX and Fedloan about PSLF and XXXX  loan forgiveness. As long as I XXXX  for 10 years and my loans would be fully forgiven. I was asked to consolidate my loans into 1 which would help the forgiveness process. I have been XXXX  since XXXX, and I kept track with both XXXX XXXX and Fedloan to make sure my services were counted toward Public Service Loan Forgiveness ( PSLF ) Payment Tracking. I went back to school to earn my XXXX XXXX XXXX and I did not want to stop payment on the loan or as we call it pause the payment until I finish with my XXXX XXXX XXXX but I felt forced into it and no one told me that the payment tracking would be paused until I earn my degree. Then COVID 19 happened ... ..no interest rate, or payment was collected BUT no one told me that by doing this, it would cause more delays on my service counts. I filled out the PSLF and submitted it in XX/XX/XXXX but nothing was done on my account for well over 7 months. I contacted Fedloan over and over but got no response. I finally contact Fedloan through XXXX and they finally responded and would work with me ... .HOWEVER, I only got 7 months of PSLF instead of 8 years worth of PSLF. Their explanation is I received a XXXX  loan forgiveness for 5 years of XXXX. I told Fedloan that no one told me I would have to start all over again, and all I got was excuses after excuses but I have worked hard as a XXXX XXXX XXXX for years and I can not afford to start all over again with the XXXX  loan forgiveness or PSLF or whatever the other terminology they use nowadays. This is VERY UNFAIR and I can not start all over again!

Company response to consumer: Closed with explanation