BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-21
Company: National Collection Systems, Inc.
State: NV
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A letter dated XX/XX/XXXXwas received from National Credit Management for delinquent account for XXXX XXXX XXXX  University. 

Two debt validation letters were sent to National Credit Management. 

Validation letters were sent via USPS Certified Mail with e-Return Receipt as of XX/XX/XXXX, debt collector has not replied to my debt validation requests and has reported the collection on all 3 credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: ALLY FINANCIAL INC.
State: OR
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 set up my autopayment on Ally Home Loans website on XX/XX/XXXX. Their system had told me the payment was set up and no further action was needed. It was to my surprise when they called me a month or so after, telling me that they still had not received payment. They requested I manually pay the amount over the phone, which I did. They claim they sent me a notice of which I never received as they had my address in their system wrong. They were sending mail to my old address. I asked Ally home loans to fix this multiple times over the phone and they never did, and I never received any notices in the mail. Their autopayment system messed up, even though it told me I was set up. They sent delinquencies to the wrong address as well. I can tell in their messaging system, which did not have these documents at that time they were using my old address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX The company is named XXXX XXXX, There two account with them. The first account show 120 days late with no payment history which was paid in full. I spoke to them about the account and told them that I paid it off. The person that was handling the account at the time post my payments to the wrong account and did not never fix it on the credit report. The company had a greed to remove it but never. The district Manager prior to leaving the company had agreed to fix it but left before completing it. 

The other account was agreed in the amount of XXXX to pay the account in full and then declined after a new district manager took over. I contact the company about the problem they ended up taken the payment after going back and forth about it but then reported 30 days late which now is effecting the lost of XXXX dollars point purchase towards a new home for my family.This has dropped my credit score down by 95 points which makes my mortgage lender to back out of the purchase with a lost on money for me. 

This is not fair in keeping the integrity of the companies word to the customer. I have disputed this item several time and it remains unchanged with a letter for request of removal from the the company.

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 2022-12-06
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:
My name is XXXX XXXX, I am federally protected consumer. I reached out to TransUnion in XX/XX/2022 to dispute inaccuracies and erroneous information via XXXX on my credit report with their company. In response, TransUnion sent me via XXXX 3 months later on XX/XX/2022 report number XXXX stating that the inaccurate information and incorrect information was VERIFIED AS ACCURATE. I immediately responded via usps requesting all documentary evidence substantiated to conclude and verify as accurate which I am well in my right. I have received nothing.

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 2023-02-07
Company: Mr. Cooper Group Inc.
State: IL
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 am writing to dispute inaccuracies on my credit report that have had an adverse impact on my ability to obtain credit. The account in dispute is : Seterus XXXX In XXXX, I purchased property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL. XXXX. While the above listed account was not the original mortgage lender, they subsequently took them over. For 11 years, I had made consistent and on-time monthly payments. However, in XXXX of XXXX, I was notified by the 1st lien holder, Seterus, that due to the Adjustable Rate Mortgage contract, my payment would be increasing to an amount that would be difficult for me to maintain. I attempted to refinance but due to the housing crisis, I lacked the equity. I then applied for a Loan Modification, which was also denied. In good faith, I put the property up for sale for what I owed on both mortgages and continued making on-time monthly payments through XX/XX/XXXX. 
In XX/XX/XXXX, I received a short-sale offer for {$100000.00}. I submitted a loss mitigation application to Seterus on XX/XX/XXXX. I received a response letter from Seterus on XX/XX/XXXX requesting more documentation. The full package was received by Seterus on XX/XX/XXXX and a settlement agreement was reached on XX/XX/XXXX. The closing for the short-sale occurred on XX/XX/XXXX. 
The inaccuracies are as follows : Seterus is reporting that the account was 2 months late AND in foreclosure/collections. I was paid through XX/XX/XXXX and we closed on XX/XX/XXXX. I attached my bank statements as proof. The XX/XX/XXXX payment was not made because a settlement agreement had been reached and we were waiting on the closing. We should have closed in XXXX but the 2nd lien holder caused the delay by demanding {$6000.00} in lieu of the {$3000.00} that was initially agreed upon. This account should only reflect SETTLED-LESS THAN FULL BALANCE ; CLOSED. No late payments and ABSOLUTELY NO FORECLOSURE. Please note, I have been denied credit by XXXX XXXX  due to this inaccurate reporting. I demand you produce a docket number for Foreclosure Proceedings in the State of Illinois or REMOVE THIS INACCURACY IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Experian Information Solutions Inc.
State: NC
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 was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am trying to close my PayPal account, however, this is not possible because PayPal states I have a balance. I do not have balance in My PayPal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently noticed some accounts on my credit report that are not accurate to my person. I am making the complaint to have CFPB investigate and have these items removed from my file. I have included the accounts on here to get a proper and fair response for my submitted complaint. 
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 explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. 

I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 

Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am a coinbase customer and hold coinbase wallet, on XX/XX/2021 my account having approximate {$11000.00} us dollars at the time got hacked around XXXX XXXX  PST I was at sleep at the time, but I notice around XXXX XXXX  want to access my account and was not able that's when I realized my account was hacked. I did everything coinbase asked me to do. I got a case # XXXX XXXX Account hacked ). It has been 17 days and no answer. no response. no phone number to contact a human. Please help! 

Desired Settlement : Contact by the business

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-04-21
Company: OneMain Finance Corporation
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the items in my credit report. It has been well over thirty ( 30 ) days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: IL
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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF ED 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 XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: REGIONS FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the items in my credit report. It has been well over thirty ( 30 ) days and I haven't received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: RI
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:
My government student loans ( through XXXX ) have been transferred to a new servicer ( XXXX ) where I have been paying them monthly regardless of the XXXX rules which state that I do not have to till XX/XX/2022. 

Under XXXX they show as paid as agreed. Under Dept of EdXXXX , they show as in default. I also was told, they would never go to default on my credit report due to the XXXX issues, but they did anyway. 

They refuse to remove the XXXX lines on both Equifax and XXXX. 

loan # XXXX XXXX loan # XXXX XXXX loan # XXXX XXXX loan # XXXX XXXX loan # XXXX XXXX loan # XXXX XXXX loan # XXXX XXXX loan # XXXX XXXX I would like them removed as I am paying the loan under a forebearance agreement which was suppose to clear me from this on my credit reports. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XXXX Went into BMO branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX and opened BMO Harris Premier account after seeing welcome bonus on the banks website. Mentioned promotion as reason for wanting to open this particular account. 

Per terms on website the welcome bonus of {$500.00} was subject to meeting {$7500.00} in qualifying direct deposits in 90 days of account opening. Qualifying deposits include those from an employer. 

Direct Deposits from employer made : XX/XX/XXXX {$1200.00} XXXX {$1600.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1600.00} On XX/XX/XXXX I called Bmo customer service, as no welcome bonus had posted to the account. Customer service advised that they could not find a promotion code on my account to check status of welcome bonus. Representative asked if my paperwork from the account opening had a promotion code attached. I advised it did not, only terms of the accounts. Transferred to XXXX XXXX on the Resolution team who advised she would have to reach out to the local branch to see if they had the promotion code. Told local branch should call within a few days, but may take longer as of XXXX XXXX XXXX. XXXX also advised if the local banker did not apply the promotion code, that they would be able to honor promotion from when I opened account. Given direct number to reach for any questions XXXX Received no follow up and reached back our to XXXX XXXX on XX/XX/XXXX. Left voicemail asking for status of request and call back. 

Received no response. 

Called back XXXX XXXX on XX/XX/XXXX and left additional voicemail asking for call back. 

XX/XX/XXXX called customer service and spoke with Manager XXXX who advised she could help reach out to branch to figure out the issue with promotion. Disconnected from line while on hold. 

XX/XX/XXXX spoke with another service representative who called branch directly. XXXX at local branch advised they had no record of me asking for promotion when I opened the account. They can not honor promotion without proof I asked for it. I questioned how would I provide proof when they are the ones documenting the process with access to my file? I advised that I had dated screen shots of the promotion on their website from the day I opened account. XXXX advised without written proof in my file he could not provide the welcome promotion. Only option is to possibly work with carrier resolution team. Transferred back to XXXX XXXX. Left voicemail asking for call back. 

No call back received.

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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
My government student loans ( through XXXX ) have been transferred to a new servicer ( XXXX  ) where I have been paying them monthly regardless of the XXXX rules which state that I do not have to till XX/XX/2022. 

Under XXXX they show as paid as agreed. Under Dept of EdXXXX , they show as in default. I also was told, they would never go to default on my credit report due to the XXXX issues, but they did anyway. 

They refuse to remove the XXXX lines on both XXXX and TransUnion. 

loan # XXXX XXXX loan # XXXX XXXX loan # XXXX XXXX loan # XXXX XXXX loan # XXXX XXXX loan # XXXX XXXX loan # XXXX XXXX loan # XXXX XXXX I would like them removed as I am paying the loan under a forebearance agreement which was suppose to clear me from this on my credit reports. 

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 2020-07-28
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'VE RECEIVED COUNTLESS HARASSING PHONE CALLS AND SEVERAL LETTERS INDICATING I OWE MY PERSONAL PHYSICIAN {$430.00}. THE LETTER IS FROM A COMPANY CALLED " CONVERGENT '' OF XXXX, WA ( FORMERLY XXXX   XXXX ) DATED XX/XX/2020 AND INCLUDES MY DR.S GROUP NAME " XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY, XXXX. 
I IMMEDIATELY CONTACTED MY PHYSICIAN WHOM I HAVE NOT SEEN IN NEARLY TWO YEARS AND THEY CONFIRMED I HAVE A XXXX BALANCE AND THEY'VE NEVER HEARD OF CONVERGENT. 

I HAVE TWO SIGNIFICANT CONCERNS, THE FIRST BEING THEIR ABILITY TO IMPACT MY CREDIT SCORE AND THE SECOND BEING IF I WERE  ELDERLY OR INFIRMED I WOULD PROBABLY PAY THE BILL WITHOUT QUESTION. 

SHOULD YOU REQUIRE ANY ADDITIONAL INFORMATION PLEASE CONTACT ME AT 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 2023-06-23
Company: LEXISNEXIS
State: GA
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:
I have reached out to LexisNexis about a bankruptcy that appears on my consumer profile and on my credit report. On XXXX occasion they told me that they verify their information with the courthouse and on another occasion they said they verified with XXXX. I have sent written proof that this is inaccurate reporting and requested that the bankruptcy be removed but it still remains as of XX/XX/2023 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

chase freedom account # XXXX credit card # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation