BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-23
Company: Experian Information Solutions Inc.
State: FL
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 2020-03-14
Company: Mr. Cooper Group Inc.
State: SD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
At the time I was behind on payments, so I my mortgage company had me sign a Forbearance Plan, which I agreed to. Now I missed a payment, and they will not work with me. At the time I signed the Plan, I was under Duress with medical condition, I would not have made that time of decision. So the plan is null and void, and now since I am better, we can have a new plan. I am on a fixed income and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Multiply letters send about this issue and a few other and the credit bureaus never respond or follow up

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 2023-03-13
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:
on XX/XX/ I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : 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 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 2022-12-23
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Approximately 2 years ago I had changed my cellular phone service to XXXX XXXX and I had to purchase a new phone to utilize their service. I purchased a XXXX XXXX XXXX phone for {$750.00}, the most I have ever paid for a phone. Within a few weeks the phone had a problem with charging, there was an alert given when I would plug in the charging cord. It would say that there was moisture in the charging port. The phone had never ever been in the presence of any water. I had contacted XXXX XXXX and they sent me a new phone of the same type and they had me send the defective phone back to them. Within a short time I was contacted by XXXX XXXX saying that I had caused corrosion in the phone and that the problem was my fault. After much communication with them and many other agencies including XXXX who admitted that this was a flaw in their phone but they were working on it and I would have to deal with my provider, they would not do anything either. Meanwhile the phone was under warrantee and XXXX had told me that the phone could be submerged in water for an hour, taken out and let dry, and it would be fine, but I had never had the phone in any direct contact with any water. Subsequently XXXX XXXX shut off my service, locked out the phone and my phone number, and I went back to XXXX, got another brand new phone and number, and recently I had gotten an alert on my XXXX XXXX that there was a collection action on my credit report. I had no contact regarding this and no opportunity to defend myself. Early on in this matter I had tried to find some help through some consumer agency but there was nothing and no way to deal with this issue. I am a semi-disabled senior living on my social security and small pension, and this was fraud on the part of XXXX XXXX. I don't know if there is anything that can be done at this point but it is criminal that a company can act in this way and consciously take advantage of people like myself..

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 2022-02-15
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/21, I have returned 5 items to XXXX store in XXXX, OR IN PERSON. 
The merchant issued me a total refund of {$350.00} ( I have now both proofs : merchant copy and the my copy of this return/refund ) to be credited back to my XXXX Citi bank XXXX XXXX credit card. This refund has never been credited back to my account by Citi bank. Instead, Citi bank started a dispute which they later rejected. The money was never credited back. 
Now the dispute has been closed, the decisioncannot be appealed, the billing support phone line for citi bank is non-functional.

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 2018-03-13
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Last year I noticed a transaction in the amount of {$28.00} that was designated as an escrow transaction. I do not have an escrow account, by choice. I was assured that the account had been corrected. 
Again, this year another transaction for the escrow account in the amount of {$340.00} posted in XX/XX/2018. Since I do not have an escrow account, where is this money coming from to pay the insurance? Would not someone have noticed there is not an account to draw this from? I am beyond frustrated with this lack of follow through. See the attached document from the re-fi closing where the mortgage is designated as non-escrow. ( in yellow ) Now  the insurance has been paid without my knowledge or consent and I am in the process of changing insurance companies. Now it is my burden to wait for a refund check from the insurance company that was paid in error. 
I paid more to obtain a mortgage as a non-escrow account and now I am spending my time to fix what should have been right the first time, or at the very least fixed when I inquired about it last year. 
When I contacted them last week, I requested that I be contacted via email within 24 hours regarding the plan to correct the issue, I have yet to hear from anyone at Rushmore.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
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:
XXXX XXXX XXXX XXXXXXXX has been paid and closed since XXXX  but on my report, this is still showing with a balance. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative.

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 2023-03-13
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:
After looking over my Experian consumer report I've noticed fraudulent accounts reporting that doesn't belong to me. These companies purchased and shared my personal information without my consent which is fraud pursuant 18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information. These accounts are negatively impacting my credit score limiting my ability to have any potential relationships with any lenders or institutions.

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 2023-07-21
Company: EQUIFAX, 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Kohls calls me approximately XXXX times daily regarding my late bill. I block the numbers just to prevent the overload of calls while Im at work, but they disguise their number to fit my area code and continue calling from a bunch of random numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX 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 XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX 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 XXXX i made this clear for XXXX 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 XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX  consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and XXXX That was after attempting to contact XXXX more than XXXX 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 XXXX now im XXXX XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE im XXXX now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: Forthright Funding Corporation
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have repeatedly received letters in the mail from Forthright Funding, trying to get us to re-finance our VA home loan. We know it is most likely a scam, and too good to be true, plus our current rate is already lower than what they are offering anyways. I have requested multiple times to be removed from mailing lists and they just hang up the phone on me. I have also filed a complaint with the BBB and they still send us mail. 

Reference Number : XXXX This needs to stop, and veterans need to stop being targeted. It 's disgusting and embarrassing. 

Integrity, respect, service are their motto, but they are trying to rob veterans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: SLM CORPORATION
State: LA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
The payments on this loan be came due when I was still in school full time for my XXXX XXXX. This was a private loan that I took out to complete a certification through the college of financial planning. Other than a piece of mail I received late, I was not called or otherwise notified that my loan payments were now due and by the time I received the mail it was 3 months too late. So in the process, my online access to pay or even view my account to keep track of it keeps getting locked or XXXX. I have called multiple times to try to reset it and it again gets XXXX. 
I have tried to refinance this loan along with my regular loans to no avail as they do not allow refinancing with my student loans. 
Once again, I get no call as of XX/XX/23 and only get a piece of mail that said I am in danger of default but yet I can not see the account to manage it. I call today and they try to reset my access. Also, I call and make a payment and notice it has gone up, I ask why and was told my rate has been increased but I was never informed it was going to increase. Plus now my credit report is damaged with late payments that I feel are not my fault due to their incompetance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: R & B Corporation of Virginia
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I started a landline phone and internet service with XXXX XXXX on behalf of my XXXX year old father who lives alone on XX/XX/2020. I was remodeling the home where my father lives along with several other subcontractors. XXXX failed to complete the installation for the internet that was never used. The landline had spotty reception at best. The installer for XXXX told me he was going to " Check on the signal '' but he never returned to complete the installation. 

I called XXXX the next day to ask why he didn't finish and that i needed somone to return to complete the installation ASAP. They told me I had to pay {$75.00} for a service call! 

I told them this was not acceptable. Your installed never comleted the installation. 

I got a letter from a collection agency Credit Control Corp in XXXX XXXX Virginia asking me to dispute verify or dispute this account. I sent the a letter dated XXXX XXXX telling them about this situation with XXXX and that i never signed a finish work order because the work was never completed. I asked for validation of the debt and a signed work order. 

On XX/XX/XXXX ( Post marked ) almost two months later the only thing Credit Control Corp sent me was phone calls my father made mostly to me complaining the phone service was terrible and XXXX XXXX never completed the installation of the internet. 

I called Credit Control Corp today XXXX and they refuse to consider XXXX XXXX did anything wrong or should provide any further proof of this installation not being completed. 

Credit Control Corp can't send me validation the debt exists or the work was performed. I have 5 sub contractors who werre working at that house that day who can verify everything i say here. I made it clear my father needs service and i am willing to pay after installation and service that works properly.

It took almost two months of my credit being negatively effected for Credit Control Corp sent a letter back that proves nothing but negligence from their client. They wasted no time at all to ding my credit but took their time to prove the debt should exist. 

I never signed any work order for completion. Credit Control Corp should remove this from my credit report now.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Experian Information Solutions Inc.
State: NV
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 was a victim of identity theft. XXXX XXXX leaked my information and someone opened a XXXX XXXX XXXX card. I was notified and cancelled the card and froze my credit. I also filed an identity theft report with the FTC. XXXX XXXX XXXX cancelled my account and said because it was fraudulent they would take it off my credit report. I disputed this card on my credit report and experian sided with them and will not remove this card 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 non-monetary relief
Consumer complaint received 2023-07-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX XXXX  XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX  Balance : {$3600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone stole my phone and wallet while I was hospitalized got onto my XXXX account and stole my money had XXXX refund the money quite a few times and kept doing that until XXXX limited the account due to suspicious activity so the person made Both a XXXX XXXX  XXXX XXXX/ and XXXX Chime account in my name using my information I disputed the transactions with Chime and they found the activity unauthorized and fraudulent also that I didn't make the account at all however they approved the dispute and issued a refund of XXXX dollars I requested a check however they issued the credits to the Chime account that they knew I didn't make which resulted in an unauthorized withdraw of XXXX dollars on XX/XX/XXXX at XXXX that I am currently disputing RE : Account Number : XXXX Claim ID : XXXX please help me get my childrens XXXX money back Because Chime is giving me a hard time

Company response to consumer: Closed with explanation