BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-18
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXXXXXX Balance : {$2200.00} XXXXXXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7200.00} 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 2022-02-22
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: Account status incorrect

Complaint:
As I reviewed my recent report, I have found an erroneous information reporting on my Equifax Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to Equifax to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX - I lost my job and had to move out of apartment in XX/XX/2020 due to Covid. I told them all this when I called multiple times and went in-store to return equipment. 
Not 1 person said I owe ANYTHING. Come to find out they charged my credit card {$250.00} without me authorizing it. 
I contacted XXXX multiple times and the associate is not able to make any executive decisions only a manager. I asked multiple times to speak to a manager and no one ever called me back or got on the phone.

I contacted my XXXX  credit card and they disputed it for me and reverse the charge and then XXXX put it into collections. 
XXXX says I owe a cancellation fee and other money. There is NO way due to Covid that XXXX is the only company not helping people. I had no idea about a contract - let alone a XXXX fees. 
I just called them again, and they still wont put a manger on the phone. 
They are a disgusting company and inhuman.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Because Experian wont properly investigate my dispute, XXXX XXXX XXXX ( # XXXX ) is reporting fraudulently on my credit. My identity was stolen and I never signed a contract to allow XXXX XXXX XXXX to access my credit report in the first place. When i disputed the account, Experian responded that the debt is verified. I asked several times for the documentation used to verify this account and I never got any response. With this account, Experian is violating my rights by : * Failing to investigate and correct inaccuracies in response to my dispute * Failing to conduct a reasonable investigation when verifying information with a data furnisher * Reporting inaccurate information about a consumer 's credit history. 
* Allowing unauthorised access to a consumer 's credit report For violations related to failing to investigate and correct inaccuracies or failing to conduct a reasonable investigation when verifying information with a data furnisher, I am entitled to recover damages. 

I am prepared to work with Experian in good faith to resolve this matter amicably. However, if a satisfactory resolution is not reached, I am prepared to pursue legal remedies available under the FCRA to protect my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: EQUIFAX, INC.
State: TN
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 tried numerous times with Equifax to get them to correct information on my report due to XXXX XXXX and despite all efforts Equifax still states that I need a victim determination document despite me sending them documents from numerous federal and state governments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 71XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2023-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I had a bank account for many years, I had both a checking account and savings account and had a secured credit card XXXX dollars, I recently had a incident where I became ill and nearly died, so I had to stop working for awhile, I was still receiving my social security income, XXXX  monthly, I had applied for an online loan, I was scamed by someone pretending to be an online payday loan company, they convinced me to provide then with my user id and password, they deposited the payday loan check, after I received the deposit, the next day, I informed my son about the situation, he advised me to alert my bank, that my baby account was compromised, and I informed bank of America customer service, my account was compromised, and it was possible that a fraudulent check was posted to my account and I would make sure that the XXXX dollar funds would be paid back back to which it was, I had my bank account for many years and this bank has since closed my account and is reporting negative information on XXXX XXXX, making it impossible for me to open another checking account with any bank in the United States, they have failed to provide me protection against a scammer, once I realized my account was compromised I notified my bank immediately, and paid all money owed including any fees, yet this tyrant bank has since refused to reopen my account, they claimed that they closed my accounts for my protection, yet they are reporting negative information so its impossible to open another checking account with any bank.

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 2021-10-13
Company: Shellpoint Partners, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home mortgage and the existing loan with NewRez/Shellpoint Mortgage Servicing was paid off via wire transfer on XX/XX/2021 but is not being credited to my account until XX/XX/2021 per the NewRez representatives Ive spoken with. This has resulted in me having to pay interest for 3 days on not only a loan that was technically paid off but also on my new mortgage with XXXX XXXX XXXX XXXX. Per consumerfinance.gov mortgage payments must be promptly credited and applied to my account on the day the funds are received.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
After receiving notification regarding the extension of the PSLF Waiver Program, I completed an original consolidation online for all of my Loans, in accordance with the waiver instructions in XXXX. I immediately became concerned because an automated letter from Fed Loans indicated all my loan counts would restart at a XXXX payment count. So on XX/XX/XXXX, I spoke to XXXX who told me NOT to submit the request for the in school deferment reversal until after the consolidation was complete. This resulted in me potentially missing period that could have been included towards my forgiveness due to my XXXX being XXXX during all periods of my in school deferment. I just received my counts on XX/XX/XXXX and it only shows XXXX that are eligible and XXXX that are qualified, but if the in school deferment has been send in XXXX when I originally inquired it could have taken effect before my loans were consolidated from 6 subsidized and unsubsidized to 1 subsidized and 1 unsubsidized. 

This payment count should have forgiven all my loans based on the new PSLF waiver ; however, because of the Fed Loan representatives advice to wait until loans had been consolidated I missed out on counts that could've made my loans forgiven as I would have had the XXXX or more payments. I do have a timeline of events that would show the dates of my calls. 

I properly followed procedures but was horribly misled. I am now stuck with {$100000.00} that should have been forgiven on XX/XX/XXXX according to the PSLF waiver extension. How do I proceed in having the consolidation corrected?,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This is regarding my relation with American Express since XXXX, I started as a XXXX Member, and after some years they upgraded me to XXXX XXXX XXXX, their top-tier service. In XXXX, I was traveling in XXXX, and since the year before suffering a weird pain in my XXXX XXXX so I decided to put all my attention on my health, I got late in some payments, ( after almost XXXX years of being an exemplary client ), and they canceled the card. I paid all debts as soon as I got out of the Hospital ( I lost my XXXX XXXXXXXX XXXX XXXX and I am now XXXX ). So they now refuse to reactivate the card, but they gave me in the XXXX a XXXX  Card, the thing is I paid several XXXX dollars each year for more than a decade for the product, XXXX XXXX, and I really need their concierge service, most now due to my current health situation, I do not owe the company a dollar, but they do not even answer my requests, and I think that is wrong to tell me " I need to get an invitation again ''. This is not a request based on the show off of the card, but rather in the spirit of doing the right thing, a company can not invite a client to their top-tier service, charge him for a decade or more, and after that say, I need to be invited again. 

This is a matter of principle and values, and respect, so I am requesting your help before escalating the issue to The XXXX House. 

Thanks in advance, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Spring Oaks Capital, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX collection companies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Spring Oaks Capital were collecting on the same debt. On XX/XX/XXXX, I paid XXXX XXXX XXXX as they claimed to have owed the account since XX/XX/XXXX. Spring Oaks Capital claimed to have owned it since XX/XX/XXXX. I contacted Spring Oaks Capital and informed them another collection firm had been paid for the same debt. They requested and received a copy of the paid receipt from XXXX XXXX XXXX. Spring Oaks Capital informed me that someone from their team would reach out to XXXX XXXX XXXX to verify payment of the debt and they would then remove the collection from their files and my credit reports. Over the course of several months, numerous phone calls and emails, Spring Oaks Capital went from removing the account, to stating I never sent in documentation, to claiming XXXX XXXX XXXX is not a real company and I was the victim of fraud ( this is documented via email ). I was asked by Spring Oaks Capital to contact my bank, request a refund and then pay them. In XX/XX/XXXX, XXXX XXXX refused to do any further research and after not having reported to any credit bureaus in XXXX  years, updated ( re-aged ) the account in the credit bureaus and began sending me collection letters, emailing payment offers and calling to collect. ( This is all documented in the attachments ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Checkr, Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Checkr has indicted that I have no DL issued, but I do. The same DL Ive submitted when I applied for the background check and fill out their from. It is Temporary CA DL valid for XXXX days. Paper list.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of distress and 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 2023-11-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi for some reason you guys are saying my complaint isn't me. Here I am again fighting to get my complaint heard due to my rights being broken. It's been more than 30 days since I haven't heard anything from the credit bureaus. I have unauthorized credit accounts on my credit report that are false Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately 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 under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this 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 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent a prev. dispute detailing my situation and what items should be removed in leu of the situation. I also asked for particular information if these accounts were not removed but was not provided to me upon completion of the requested investigation.

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 2023-11-07
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
As always, I sought to make my mortgage payment on the first of the month online. Mr. Cooper previously rejected a payment made through my bank, XXXX XXXX, so since then I used the online process. On XX/XX/XXXX through XX/XX/XXXX, the Mr Cooper website stated that there had been a cybersecurity incident, and no payments could be made. On the evening of XX/XX/XXXX, the site claimed to enable payments by alternate means. The Phone option failed to recognize my phone number four times so I could not use it. I used an unusual online one time process that said I had completed the payment and that it had been accepted. I took a photo of the alleged receipt. However, by morning that site said the payment could not be processed. I attempted to reach customer service by phone. However the Phone message said no customer service could be had. My bank statement shows no payment. The Mr Cooper site says no payment has been made. I tried to create a customer service ticket and sent it online, but four times the site said that the ticket could not be sent.. Despite the security incident, there should be phone service or some other functional service to clarify whether payment has been made. 

Mr Cooper has a history of extensive customer fraud. it is time consuming and frightening to deal with this entity. I can not afford to make more than one mortgage payment per month. 

I need to know whether my payment has been made. I have the photo that shows alleged acceptance, but as previously stated, I am unable to confirm payment and have some indications that Mr Cooper disavows the payment.. 

I do not know why this horrendous entity is not closed... .it is harmful to consumers and completely uncooperative and frightening to deal with..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 sent a direct mail to TransUnion Consumer Solutions which was received by them on XX/XX/2022 regarding a collection report with Impact XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX # XXXX. 

I was mailed investigation results on XX/XX/2022 which well over 30 days. I also requested a 609 letter stating that I would like to see the original signature which they they did not provide in my investigation. I do have copies of documents

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 2023-11-05
Company: Chime Financial Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
An unauthorized amount totaling XXXX 3 separate transactions one of : XXXX, one of : XXXX one ofXXXX. 
And some how my bank ( chime ) conducted an investigation in less than 24 hours the determined no error occured. Am a single father of XXXX and it my only income mean XXXX a month for XXXX of it to be stolen.

Company response to consumer: Closed with explanation