BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-15
Company: Experian Information Solutions Inc.
State: OH
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 on my credit report stating that I owe them XXXX once I told them my bank statement states that only owe them {$2000.00} and I requested a loan modification packet they denied me the loan packet and told me my house was in foreclosure then got on the phone and told me they sold my house in XXXX I'm totally confused I need XXXX XXXX to update my credit report I file bankruptcy XX/XX/XXXX which wiped out that debt my bankruptcy just got dismissed XX/XX/2021 and I've been currently paying my mortgage I'm behind by 2 months I apply for mortgage assistance I got approved I was stated once the money get there they're going to return it I need them to stop playing I'm not trying to be homeless I would like for them to fix my credit update my documents and mail out my loan modification packet I'm currently they're eating up my whole credit score where I can't use my credit at all this is not fair.. otherwise I feel like they're trying to steal my house.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23
Company: Credit Karma, LLC
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My account was frozen without explanation. I have been calling the Credit Karma bank for XXXX weeks. They continue to say check your email, or your account is in review. I have bills that need to be paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-02
Company: Mr. Cooper Group Inc.
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am having an issue removing the Principal and Mortgage Insurance with my loan servicer, Mr. Cooper. 

In XXXX of XXXX, I believe it was around the XXXX, I initially reached out to Mr. Cooper about having my home reappraised for a fee to remove the PMI from my loan. I have made substantial improvements since my initial purchase in XXXX and during that time I reviewed my options for removing the PMI with Mr. Cooper 's representatives. During my initial call in XXXX, I detailed the improvements made to my Property. The representative took down that information to provide to the appraisal company. I was told I would hear from a Real estate Appraisal company in approx 30 days to schedule the appraisal. 

I never heard back. I called into Mr. Cooper again at the beginning of XXXX to check on the status of said appraisal. I was told that they were waiting for the dollar value of the improvements made so that the appraisal company could contact me. I questioned the rep why no one had reached out to me if they needed more information or why the original rep had not requested it when I first called.. They could not provide an answer. I provided the detailed information to the Rep and requested that they expedite my request. They advised that they would do their best. 
Approx 30 days later on XX/XX/XXXX, I received a letter that my request was canceled, I called and asked what was wrong and they said they reached out once and I didn't answer their call. First, I had never received a call from an Appraisal company and secondly, they didn't leave a message of any sort. I asked for a supervisor and they said that we had to go back through the process all over again. I unhappily obliged and we enter another request for an appraisal slightly after XX/XX/XXXX. 
Another 30+ days pass. I call in again on XX/XX/XXXX and am told the same story. They tried calling me once, but couldn't get ahold of me and canceled the request. This time they also tell me they do not have a form on file for the Appraiser to leave a voicemail. I ask for a Supervisor and am forwarded multiple times to XXXX at XXXX. She assures me that she can get everything in order and have something scheduled in 30 days. 

I requested that Mr. Cooper cover my appraisal fee as I have paid multiple months ' worth of PMI at $ XXXX v. what would have been expected if they had appropriately scheduled a routine appraisal. XXXX said she did not have the authority to do that. 

Today is XX/XX/XXXX and I have yet to receive a call or document notifying me that my request has been canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/XXXX I disputed all inaccurate info and violations done by XXXX. They did not properly investigate the CRAs did not properly investigate. My privacy and fcra rights were violated. This account is reporting late payments no proof. This account is reporting 4 times with 2 account numbers each bureau is reporting different information to the same account a FCRa violation. This account is attached to an address not mine another violation. XXXX is asking me to update information because they dont have any on file which is suspicious why would you furnish this account is mine but asking me to update my information. They were sent a cease and desist and have not followed through. The CRAs did not verify accounts over a year ago. I never received any opt out letters or form of communication through dept of ed and they are furnishing inaccurate personal information to a third party which are CRAs without my consent. They violated the truth lending act

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 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
See letters sent, personal info needs to be updated, unauthorized inquiries need to be deleted and the violations on the accounts listed need to be deleted

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: Carolina Finance, LLC
State: NC
Product: Credit reporting, credit repair services, 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 recently checked my credit report and saw that on XX/XX/2022 CAROLINA FINANCE , LLC ran my credit. That inquiry has caused my XXXX XXXX to decrease and I fear that my identity has been stolen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: NJ
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.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( 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

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 2022-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received 3 emails notifying me that I have been approved for an XXXX  XXXX Bank of America credit card. I have never applied for a credit card with BOA and I do not have any accounts with BOA. I contacted customer service of BOA and they told me to call the fraud department but I work Tuesday through Saturday, so that department was not open when I tried after work on Friday, XX/XX/22. I've noticed that there has been one hard inquiry on my credit and I think this is affecting my credit score. I have sent two of the emails I received to BOA 's abuse department and am waiting on a response. Please help and let me know what else I need to provide. 
Thank you, 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 2021-10-15
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail about a debt I dont know anything about from a company by the name of Midland Credit Management . On such notice it states I owe {$960.00} for a credit card through XXXX XXXX XXXX XXXX. Ive never applied for credit through this bank or heard of such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: WELLS FARGO & COMPANY
State: NC
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 disputed through XXXX and XXXX XXXX regarding my Wells Fargo Dealer Services and XXXX XXXX XXXX. I have asked that these be removed from my credit report. If the account is marked current and/or closed why can't it be removed? I have asked over and over again

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 2023-06-10
Company: EQUIFAX, INC.
State: MO
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:
In accordance with the Fair Credit Reporting Act Credit Collection Service # 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 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 an account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
Company: DISCOVER BANK
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Good afternoon Sir or Ma'am, I am an XXXX  serviceman who deployed from XXXX to XXXX ( see attached deployment letter ). During this period, we did not have internet access due to the nature of our job requirements at the time. 
I understand that a payment wasn't made on a timely manner for the month of XX/XX/2020. Aware of this situation I called Discover customer service as soon as I had an opportunity, and explained the situation which they were extremely helpful. However, there is a late payment for that event affecting my credit. 
Respectfully request to reverse this negative report on my credit. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: AZ
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 in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX NA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it 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 2021-08-16
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with XXXX plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
I have communicated with my loan servicer regarding my CARES Act forbearance for my VA loan. However, PennyMac is not offering me the loss mitigation solutions for the missed payments to VA mortgage borrowers under the COVID-19 CARES Act protections. 

PennyMac Communication Log : 1, XX/XX/XXXX : Customer Service Outcome : Advised of new increased payment plan 2, XX/XX/XXXX : Partial Claim Rep. 
Outcome : 1 payment plan offered, advised that the VA Partial Claim option it not available to me. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/XXXX, I received an AMEX gift card, which is worth {$290.00} as reimbursement to cover some of my guarantor fees paid for renting a room. However, I find I can't use the card online. The remaining balance exceeds the payment amount, and I even tried multiple times to make a smaller amount of payment, but all the attempts failed. 

AMEX made deceptive advertising that said you can use these cards ANYWHERE that takes AMEX. The website I was trying to use the card does accept AMEX gift cards ( I contacted customer support to confirm and they said they had no idea why these transactions were declined and asked me to contact AMEX 's customer support ) I contacted AMEX customer service several times and they can not offer me any resolution. They can not tell me why the transaction was declined, they can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). They can not offer me a refund. The customer service simply does not provide any meaningful help or guidance to help customers fix this issue, after AMEX enticed customers to get their gift card by making the misleading and deception claim " it can be used anywhere that takes AMEX '' They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. Even in the case where I tried to use less than 25 % of the remaining balance, the transaction was still declined. 

This system seems designed to skim a few dollars from American consumers. They hold our legal tender hostage and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. 

This is simply not the case. I can not reach a resolution with AMEX customer service nor can the original purchaser. 

There is just no way for me to use their cards. My money is inaccessible. All I want is the total balance on my cards in cash/check.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: CAINE & WEINER COMPANY, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have asked Caine and Weiner repeatedly to stop contacting me. I do not owe them any of my money. The original debt came from XXXX XXXX which I have spoken with directly. I am on a payment plan with them and making active payments. So I would like Caine and Weiner to stop contacting me because I was told I am not doing business with them. Also they are reporting on my credit report and they shouldnt be!!!! I am sick of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I received the summons case XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX on XX/XX/2023 for Jefferson Capital. I had contacted Jefferson Capital by phone that same day after receipt of summons to explain my hardship and inability to pay due to my permanent XXXX they had also asked me to email that over to them along with my Social Security Disability Letter at XXXX and also XXXX with my Jefferson Capital XXXX # XXXX and that it would be " handled ''. They also transferred me to XXXX XXXX XXXX who is listed as the attorney on file so I left a voicemail explaining the details and my contact number ( XXXX ) XXXX. 

On or about XX/XX/XXXX I contacted Jefferson Capital back as I received no phone call from the attorney XXXX XXXX. They informed me that this is still being worked on and that they did receive my email along with my Social Security XXXX Letter. and that I have to wait another two weeks- which would of been way over a month from the file of their civil complaint and not allowing me proper response time to the court. 

Today, XX/XX/XXXX I contacted XXXX XXXX again because still I have yet to hear back from their attorney XXXX XXXX this Wednesday XX/XX/XXXX will be 1 month from their date of file. The agent asked me to hold on the line and see what information he could find. He placed me on hold for XXXX minutes and came back that his manager is going to let this case proceed with litigation. I explained again that Im unable to pay ; that I'm permanently XXXX and only receive Social Security. He said... O well and put me back on a voicemail for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 2023-05-17
Company: Paycheck Solutions llc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I applied for a loan with this company, as i have done many times previously. We went through the process of the loan and they asked me to verify my bank account info, and debit card with the last XXXX digits, expiration date, CVV etc., the debit card they were supposed to use was the card ending in XXXX ( please see email attached ), however when the loan was processed, they deposited the funds on to a debit card that did not belong to me. They deposited the funds to a debit card that i used to payoff a previous loan, and not the debit card i provided, that actually belongs to me. The debit card thee deposited the funds to did belong to a family member ( not immediate ) that owed me money-I had an agreement with my family member to instead of send me the money, they would just pay off this loan with their debit card. 

Turns out the person to whom the card belongs to saw the funds deposited and unfortunately depleted the funds and i was unable to recover them. 

Because i never received those funds, it put me in a bind to where i could not pay them back. Now they are threatening to garnish my wages, even though they made a mistake.

Company response to consumer: Closed with explanation