BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-07
Company: Fidelity National Information Services, Inc. (FNIS)
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:
I have been trying to open business account with my credit union to get my PPP funding and XXXX XXXX XXXX has incorrect information reporting to Chex systems as fraud/acct closed/ nothing paid showing to chex systems. I contacted XXXX and there system does not show any of this. XXXX says there system shows closed account nothing owed upon closing. They even have record of them sending out XXXX cent refund. They tell me they do not see what chex system says is showing and no way for anyone to generate any letter to chex systems because the system does not show any negative balances due. 

Finally talked with risk manager at XXXX who said well send in a copy of chex system reports and go from there. I tried calling XXXX risk/recovery depts for fax or email to send paperwork too and all says fax has to come from institution. I go into XXXX  location and have them fax. I went into XXXX and the reps faxed copy of XXXX balance due paperwork to chex systems then I asked for them to fax copy to their risk and or reocovery depts to be updated with what is going on as stated in above paragraph. 

They proceeded to call the depts to get fax number and both depts gave XXXX admin run around like I had been getting back and forth to each dept stating this dept has to handle this, in the end XXXX admin had both depts on line together as they spoke and no one had a fax number that paperwork could be sent too. they stated that they were working from home and no fax to give. 

one did provide a address for mailing paperwork to Florida ; however, My loan money is being held at another institution I'm at risk of losing my home and need resolution asap before my funds are returned and i can not get another ppp loan and my family and I will be out on the streets. 

I am even trying to open business acct with XXXX so hopefully they can see their own mistake if they too use chex systems to determines eligibility of getting business acct opened at this moment I am at a dead end and need help sent out to higher up heads within XXXX institution. having trouble getting paperwork to XXXX to get Chex systems updated. chex systems will not remove unless they here from XXXX. XXXX says nothing to update, yet the consumer is losing due to XXXX error Consumer is suffering, Consumer will homeless on the streets of Michigan.

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 2023-09-08
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I XXXX XXXX HAVE NEVER MISS A PAYMENT OR WAS EVER LATE FPR 20 YEARS AND NOW THAT MY BALLANCE IS UNDER XXXX DOLLARS THEY HAVE ADDED ESCROW FEES TO MY ACCOUNT. WE HAVE TRYED AND TRYED TO TO CONTACT THEN AND RESOVOLVE THIS ISSUE WITH THEM TO JUST GET THE RUN -A-ROUND PLANET HOME LENDING XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MY PAYMENT WENT FROM XXXX TO XXXX IVE ASK THEM FOR A PAYOFF AND THEY REFUSED THEY SAID GO TO ARE WEBSITE I TOLD THEM ALL ARE TAXES WERE PAID WE HAVE PROOF AND ARE INSURANCE HAS BEEN PAID AND SEND THEM PROOF INSURANCE THE FIRST TIME THEY CHARGED US OVER XXXX AND WE HAD TO FIGHT THEM FOR 2 MONTHS TO GET ARE MONEY BACK AND NOW THERE DOING IT AGAIN THAT COMPANY OFFER NO HELP OR WILLING TO RESOVE MY PROBLEM

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didnt get a response in 30 days and yall are required by law to do so.Please investigate my disputes, Please.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
We made two payments on account in XXXX to pay in full. The cashed the checks and didn't post to account. I have sent them copies three times during dispute that was opened with them in XXXX. Here it is in XXXX, and they are still investigating. In the meantime, they are reporting as late and behind schedule. I can not talk to anyone in the dispute department only to customer care and they only have only relay what is put in system. If you need more information, call my XXXX at XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-28
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
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: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute with Experian due to an issue with a prior debt I had being listed incorrectly. I paid this debt via a settlement back in XXXX of XXXX, and it was listed correctly on my credit report after the settlement was paid. However, when a new company bought the debt, they listed the debt as having missed payments and still having an existing balance. 

I submitted a dispute with Experian regarding this issue, and supplied proof of the settlement. Experian did not fix the issue on the report. I submitted a second dispute, attaching the proof of settlement a second time. Again, Experian refused to fix the problem. 

Currently, my credit report from Experian shows the debt as Account Charged Off, with a Past Due Amount. Despite providing proof of the settlement occurring on this debt, Experian has not corrected the problem.

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 2021-02-04
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax is reporting the following items inaccurately. Can someone please look into this. Thank You ACCOUNTS XXXX  XXXX XXXX never late XXXX XXXX XXXX never late XXXX  XXXX XXXX never late XXXX XXXX  XXXX not mine XXXX/XXXX  XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX/XXXX  XXXX not mine XXXX XXXX XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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:
Iam a vcitim of identity theft and someone used my information to obtain credit card with XXXX XXXX. I have contacted XXXX XXXX  and spoke to a fraud specialist that told me this account was already closed due to fraud and it should of been deleted from Experian, XXXX and XXXX. I have contacted these 3 bureaus and summited my fraud affidavit and police report for removal. The account reports as XXXX XXXX  date opened XX/XX/2021 partial account # XXXX as individual and charged off.

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 2022-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was struggling before COVID due to multiple hurricanes affecting my property and was applying for assistance then COVID came and I was put on the COVID forbearance for 18 months. I accepted the forbearance with the assurance that no one would have to pay all the payments at one time but the bank would work with us to put the payments in the loan so we can resume making payments.

After the COVID forbearance ended on XX/XX/XXXX Bank of America refused to review my loan for loss mitigation assistance. I escalated the issue countless times and no one could explain why Bank of America would not review me. The CFPB guidelines that went in into effect XX/XX/XXXX clearly stated all mortgage companies had to review for assistance before starting foreclosure on a homeowner after the COVID forbearance. Bank of America did not do this but referred me to foreclosure without doing a review as the guidelines stated On XX/XX/XXXX I spoke to customer service who said there was no foreclosure but yet at the same time I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( who is Bank of America 's foreclosure attorney ) stating I was referred to foreclosure on a letter dated XX/XX/XXXX. I called on XX/XX/XXXX and went to escalations who then said a foreclosure sale had been held and I had to contact the attorney to " redeem '' my property. I spoke to the foreclosure attorney on XX/XX/XXXX and they adamantly said they did NOT foreclose on my property on XX/XX/XXXX but I should talk to bank of america. 

I was in a death loop where Bank of America was saying I had to speak with the XXXX XXXX attorney to redeem my home and the XXXX XXXX attorney was saying I had to speak with Bank of america?? 

On XX/XX/XXXX I escalated at Bank of America again and reached another escalation agent who this time said there was NO foreclosure sale and reached out to level 2 foreclosure at Bank of America who confirmed the same that there was NO foreclosure sale date. 

I speak to Bank of America again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX each time receiving conflicting information about the foreclosure sale I would not have accepted the COVID forbearance for 18 months had Bank of America said there would be NO loss mitigation review and I would have to completely reinstate my loan

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 2020-12-15
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was a XX/XX/XXXXcustomer for 11 years and switched phone services to XX/XX/XXXX. XX/XX/2020 I switched providers andXX/XX/XXXX bought the lines over and was taking over contracts from phone and remaining balance. I am not responsible for this account and would like it removed. This is not my responsibility the contract I signed shows it was paid byXX/XX/XXXX 
Not sure how to get this resolved and if I knew this would affect my credit then I would have just stayed with XX/XX/XXXX 
Now I am receiving collections calls from IC systems.

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 2022-02-01
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This complaint is against XXXX, XXXX XXXX, and Experian also any other involved party whom has been misusing my personal information to create fraudulent accounts under my name. 
Ive been checking my credit reports since my identity was stolen back in 2013 my ID and wallet was stolen from my ex girlfriend car while I was in the hospital checking on a family member. I have advised both all three credit bureaus and the companies involved of my identity theft and me not authorizing any new accounts but they keep taking them off then re add the same account using another company and new date its very unprofessional and damaging my credit report causing me everything I have work on please fix this

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 2018-05-12
Company: Navient Solutions, LLC.
State: MI
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:
The " Quick Pay '' option for Navient was incorrectly allocating my payment to the lower interest rate and not paying my higher interest loans- resulting in additional interest charges. 

Minimum payments have been calculated in order to achieve maximum financial gain from Navient- attempts to reach out to company via their website does not provide a feature to inquire about incorrectly allocated payments. 

In turn, hundreds of dollars have been paid to interest that should had been applied to the principal loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Dynamic Recovery Solutions, LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dynamic Recovery Solutions is attempting to furnish an account in my name by contacting by mail in reference to a charged off debt from a finance institution. According to U.S. code they have no right to furnish any account without my approval rendering any 3rd party collector ineffective. I intend to file a cease and desist along with reciept ( according to U.S. code ) of transaction by registered mail.

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 an account without written instructions 15 U.S. Code 1692c Communication in connection with debt collectors ( c ) ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except 1 to advise the consumer that the debt collectors further efforts are being terminated ; 2 to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or 3 where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
IF SUCH NOTICE FROM THE CONSUMER IS MADE BY MAIL, NOTIFICATION SHALL BE COMPLETE UPON RECEIPT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: GLOBAL SOLUTION BIZ LLC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Electronic communications
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have been contacted by this company via, phone call, email and text. I requested information to verify who they are and what this is about and they denied. They've been unprofessional and threatening over the phone. They said they would show up to my house and freeze my bank accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This complaint is against XXXX, trans union, and XXXX also any other involved party whom has been misusing my personal information to create fraudulent accounts under my name. 
Ive been checking my credit reports since my identity was stolen back in 2013 my ID and wallet was stolen from my ex girlfriend car while I was in the hospital checking on a family member. I have advised both all XXXX  credit bureaus and the companies involved of my identity theft and me not authorizing any new accounts but they keep taking them off then re add the same account using another company and new date its very unprofessional and damaging my credit report causing me everything I have work on please fix this

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 2023-10-24
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX Late Payment {$0.00}

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 2023-09-06
Company: WHEELS FINANCIAL GROUP, LLC.
State: VA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took out a title loan and have had issues paying it back, one just the economy but also the main issue is that they keep removing the ability to pay online. When I called and talked to a representative I asked about this and she said based on the account depends on the payment options offered to the customer. So they are intentionally making it hard to pay this load. On top of that they have not sent the payoff amount that I asked to be put in a letter for the payoff to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
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 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 accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX : {$0.00}

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