BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: IN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
The salesman did not inform me about the rescission period, which is my right to cancel the purchase within a specified timeframe. Additionally, I was misled by being told that my timeshare purchase was an investment that increases in value. The promise of the developer buying back the timeshare when I want to sell turned out to be untrue. 
Furthermore, I was not properly informed about the maintenance fees, which were said to go up by only a few cents every year. The promised hour-long tour ended up lasting XXXX hours, causing inconvenience. On XX/XX/2023, {$2400.00} was charged to my credit card without my full awareness. They made a hard pull on my credit without my consent or proper notification. 
Despite my efforts to address the situation, writing XXXX letters and making XXXX phone calls, they refused to cancel the purchase. They claimed I was a day late and that I sent the letter to the wrong department, which suggests their refusal may be unjustified. Furthermore, the salesman allegedly forced me to sign by not allowing me to leave the room and misleading me about the purpose of the signature, falsely claiming it was for a hotel payment that was never made. 
Based on these circumstances, it appears that my consumer rights were violated, and it would be advisable to seek further assistance or legal advice to address the situation and potentially explore options for resolving these issues.

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 2019-08-05
Company: Netspend Corporation
State: CA
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:
My name is XXXX XXXX. I have been a loyal Netspend customer up until XXXX/XXXX/2019 when my account was closed. I have been very happy with Netspend in the past, and have not had any issues until recently, someone hacked into my account and stole {$1500.00} from me. Upon talking to several representatives as well as supervisors via telephone regarding this issue I have had an absolutely horrible experience. Finally now, I am told that " they didn't find any fraud on my account ''. SO WHERE IS MY MONEY? I have had a terrible time getting a hold of someone, and have not had any of my questions answered regarding this matter. As a result of these events, I have now decided to close my account because I personally do not feel like I am being supported by the employees of Netspend. I currently have over {$12000.00} left in my account and have been struggling to find out when I will get my money. I was told that my money would be refunded to me via Cashiers Check, that it would be mailed to me within 7-10 business days. It has now been 7-10 business days, and now after calling to find out the status, I am told that " my check was never processed ''. What is going on? So now I have had {$1500.00} stolen from account, and am told that there has been no wrong doing, and to top it off now, every penny I have is being kept from me. 

My Reference Number for the claim with Netspend is 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 2022-09-09
Company: Experian Information Solutions Inc.
State: OH
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX 2. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Delete this account. 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MI XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ 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 2018-03-07
Company: ID Analytics, Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I applied for a total rewards XXXX card. On XX/XX/XXXX, I got a letter from XXXX XXXX stating I was denied due to 4 reasons and the score they used was XXXX. XXXX XXXX  used XXXX XXXX for the information and the letter gave me all the information to contact XXXX to see why. I did call them. They sent me a consumer report with only my basic personal information. No reason why I wasn't given credit Under " your accounts '' no information reported " inquiries '' no information reported, " other information '' no information reported. I again called XXXX and told them this consumer report tells me nothing. I want to know why I was denied and XXXX XXXX says I am to contact you to get this information. XXXX said they do not use the three credit bureaus and they are a consumer reporting agency and the only information they have is on my report. It tells me nothing so how can you make this determination? XXXX says based on the information from XXXX I had too many inquiries, length of time since most recent delinquency too short, limited history for consumer at this phone, not enough debt experience. None of these are true. My letter from XXXX XXXX does not give the option to contact the credit bureaus, only XXXX. Also yesterday I received a letter addressed to XXXX XXXX using my address from XXXX. I do not know an 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 2020-09-14
Company: EQUIFAX, INC.
State: NV
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:
There are mysterious creditors on my credit report that is reporting negatively. They are not mine. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX/XXXX XXXX listed multiple 30/60/90/120 day late payment on my credit report from XX/XX/2018 to XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX and XXXX. Please remove the 30/60/90/120 day late payments from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Today XX/XX/XXXX at XXXX Am I was on the phone with a hud rep and XXXX customer service she didnt know anything un willing what ever the hud asked about mortgage kelp she didnt know she kept put us on hold to go research These are the kind of people work at XXXX  and handle their customer The hud reps told her 6 times that we have a sale date on XX/XX/XXXX and we dont have much time She wouldnt even respond we had to drag the word out of her mouth XXXX is a crock They refuse to help The just want to take my home Customer rep said even if I pay and bring the account current They will still foreclosure my home regardless I wanted to dump these crocks I was in a middle of finance With what they done to me they forced me to stick with them Shame on government For allowing these thiefs to operate and still cheat and take peoples home fraudulently I am a military parents my son is in the XXXX XXXX My husband is a disable And there is no help On XXXX XXXX Thief SLS will set to foreclose my home And I will be living in the street

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 2023-03-08
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:
XXXX XXXX is reporting an inaccurate repossession on my reports that I have been disputing for some time now. 

I have contacted them numerous time requesting all documents and information pertains to this debt. I sent them debt validation requests on XX/XX/2021 and XX/XX/2021. It has been well over 30 days and still no response. 

Furthermore, they re reporting inconsistently and verify invalid information between the credit bureaus. How are they able to verify inaccurate information and not respond to my disputes? If they have not replied to me I know they have not sent any valid proof to the credit bureaus concerning this debt. 

It is the consumer reporting agencies responsibility to acknowledge and respond to any and all dispute request and XXXX XXXX is in violation of my right to dispute. I am demanding that this account is deleted from my reports and all documents concerning this account is mailed to my 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 2022-03-04
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Debt collector is hassar ring me and have not answered the following information I have provided, according to the law. Please have Jefferson Capital System either provide physically proof or stop hassar ring me and I'm seeking remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was a happily Chase customer for more than 2 years when i was in High school back in XX/XX/XXXX-XX/XX/XXXX. Recently I was trying to open an account with them ( Prepaid card, Chase Liquid ) since i'm being denied for a regular checking account with them as well, they don't give you an explanation on why your being denied. I DO NOT OWE THEM MONEY. I had an account with them back in XX/XX/XXXX and it was closed due to some deposit that someone made on my account witch it wasn't even mine ( came back as returned ). The person who did the deposit on my account it was a friend of mine ( not anymore ) and he took out like {$100.00} dollar from one of the check that day, but since the check came back as returned i had to pay the {$100.00} dollars plus a fee. I call chase, and they said I DO NOT OWE THEM MONEY and i'm still being denied by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: TX
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 have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

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 2022-11-02
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: Old information reappears or never goes away

Complaint:
15 U.S. Code 1681m - Requirements on users of consumer reports 15 U.S. Code 1681- Congressional findings and statement of purpose Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) name or social security number. Agencies fail to follow guidelines for handling disputes

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 2021-10-14
Company: Aldous & Associates, PLLC
State: UT
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 never have an account with these collector/creditor. I tried to contact them several times and ask for proof of ownership but they are failed to send me necessary documentation to prove that I really own this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: MoneyLion Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
1. I have an XXXX account with MoneyLion. 

2. On XX/XX/XXXX I was approved for {$190.00} in advances to be repaid approximately one month later on XX/XX/XXXX. There are no fees for this loan. 

3. I took one advance in the amount of {$100.00} and one in the amount of {$90.00}, for a total of {$190.00} due on XX/XX/XXXX. 

4. I noticed the App stated I had a {$200.00} repayment on the {$190.00} loan. 

5. On today, XX/XX/XXXX I called Moneylion and inquired about this. The representative, XXXX ( not allowed to disclose any additional information ) stated I selected a XXXX dollar tip ; however, I did not do so. 

6. During the loan process, Moneylion 's App repeatedly presents users with multiple screens requesting tips making users choose {$0.00} tip several times. I chose {$0.00} several times. In addition, by requiring loans to be requested in multiple deposits, Moneylion multiplies the amount of times the user must select {$0.00} tip to avoid payment a tip.

7. Moneylion representative said she was unsure if she could change the billing. 

8. I asked for supervisor.

9. Moneylion representative said I could request a one-time refund of the tip by filling out a form. First, the tip hasn't been billed yet so this doesn't fix the problem. Second, I never authorized the tip in the first place. Third, there should be no limit on how many times they are willing to refund payments that were never authorized in the first place.

10. Supervisor is unavailable. XXXX said supervisor can not come to phone but I could get a call back. 

11. XXXX said she filled out form requesting refund of XXXX dollars that may be refunded after I am billed. However, I said I do not intend on letting them collect the funds that I did not authorize.

12. I requested to stop payment on XXXX from my bank account and debit card. XXXX said she stopped payment ; however, the App is still showing a repayment scheduled for {$200.00} for XX/XX/XXXX. 

13. Then XXXX said I could speak with a supervisor after all ; however, the issue remains unresolved and I have been waiting on hold for along time.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-18
Company: Siggi LLC
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 have sent debt validation letters to all three credit bureaus. I have also sent letters to OMNI FINANCIAL in regards to a debt owed with the balance of XXXX I have sent letter in XX/XX/XXXX and XX/XX/XXXX. I have even disputed this matter on the XXXX website. The Account balance and date last active is inaccurate across all three credit bureaus. According to XXXX XXXX XXXX XXXX. I have the right to dispute inaccuracies on the credit rmy credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i sent them a certified letter XX/XX/2018 requesting validation. I let them know by law they had 30 days to respond or show me a contract bearing my signature. Not only did they not respond but they marked only one bureau with a dispute mark while they are reporting to two bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: MOHELA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I applied with the Department of Education to switch from the PAYE IDR plan to the SAVE IDR plan on XX/XX/2023 via their online system ( see IncomeDrivenRepaymentApplication.pdf ). MOHELA confirmed they received the documents on XX/XX/2023 ( see MOHELA cancelled IDR app XXXX ). As repayment is quickly approaching, I wanted to check the status of my IDR application, so I called MOHELA on XX/XX/2023 at approx. XXXX XXXX. The automated system told me that I would receive an update on my pending IDR application within 14 business days. On the morning of XX/XX/XXXX, I received an email letting me know I had correspondence in my online account ( see Correspondence Processing Delay ). Upon logging in, I was able to view the new correspondence, which was actually a letter dated XX/XX/2023 stating that my request would take an additional 90 business days to process ( see XXXX MOHELA Letter.pdf ). I was particularly concerns about this because the Department of Education website stated " [ i ] f you apply for an IDR plan ( such as the SAVE Plan ) this summer, your application will be processed in time for your first payment due date '' ( see SAVE Repayment Plan Offers Lower Monthly Loan Payments | Federal Student Aid ). Being on the SAVE plan is critical to me because it would drop my previous monthly rate from {$220.00} ( see XXXX XXXX XXXX XXXX XXXX ) to approx. {$210.00} per month ( see Student Aid Calculator XXXX XXXX ). Wanting to check my IDR application status further, the MOHELA website indicated that my IDR application was cancelled when logging in on XX/XX/2023 ( see MOHELA cancelled IDR app XXXX ). Concerned about this, I called MOHELA on XX/XX/2023 at approx. XXXX am XXXX. After approx. 30 minutes on hold, I spoke with XXXX who was extremely helpful and told me that the website appeared to be showing an inaccurate status and that my IDR application was actually accepted and my payment should be approx. {$210.00} per month and that I would see this take effect for my XX/XX/2023 payment. Unfortunately, he also informed me it will take 3 business days for me to see anything different in my account. Given the discrepancies between what I can see and what XXXX can see, I would like written confirmation sent via my online account that I am a ) currently on the SAVE plan and b ) expected to only pay {$210.00} per month at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: LA
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:
XXXX XXXX XXXX  : # XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-06
Company: Finance of America Mortgage LLC
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed some unauthorized inquires on my report and in accordance with the FCRA I'd would like to have them removed IMMEDIATELY

Company response to consumer: Untimely response