BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXXXXXX 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 XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following credit item listed on my XXXX, EQUIFAX AND XXXX XXXX file is not being removed after 7 years and is a violation of my consumer rights : XXXX XXXX  - $ XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2023 Credit Collection Service XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX I, XXXX XXXX, am a consumer/Natural Person. Credit Collection Service, LLC, you are a debt collector identified in the Fair Debt Collection Practices Act pursuant to Title 15 USC1692 ( a ) ( 6 ). It has come to my attention and understanding that Credit Collection Service , LLC has violated my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to Title 15 USC 1692 ( c ) ( c ), I dispute the ALLEGED debt and refuse to pay the ALLEGED debt. I demand per Title 15 USC 1692 ( c ) ( c ) that you cease all further communication through ALL and ANY MEDIUM except for communication of remedies for XXXX XXXX, the consumer and natural person, via MAIL ONLY. Pursuant to Title 15 USC 1692 ( c ) ( c ) ( 2 ), I am involving specified remedy as the original creditor and demand the following : - XXXX out the balance - Provide XXXX XXXX, a consumer and natural person, with documentation showing the account was XXXX out via mail. 
- Cease and desist reporting of the debt collection activity to all the consumer reporting agencies before and after this date of XX/XX/2023. 
- Remove ANY AND ALL reporting of the debt collection activity from all consumer reporting agencies. 

By willfully violating the FDCPA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FDCPA 15 USC 1692k ( a ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Best Regards, XXXX XXXX Regards, XXXX XXXX XXXX Natural Person

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: KLS Financial Services, Inc
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received an alert from my credit monitoring services that I had a new account in collections. No information provided about the account.

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 2023-07-19
Company: Experian Information Solutions Inc.
State: TN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

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

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

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 2021-10-18
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I XXXX XXXX resident at XXXX XXXX XXXX XXXX XXXX OH XXXX has a Southwest Rapid Rewards Visa Signature card received through Chase Bank and has XXXX rapid rewards points, I want to redeem it for Gift Cards but since last one month I am trying but they say our site is for maintenance even after a month they could not install their site please help me do that I will be able to redeem my points XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Email : - XXXX Phone XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I never had an account with this collector/creditor. I tried to contact them several times and ask for proof of ownership but they failed to send me necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was the victim of a phishing scheme and Wells Fargo refuses to replace the {$3500.00} that the criminals stole from us. 

I received a call from Wells Fargo 's fraud department ( checked the number and it was the same as the fraud department number ), telling me that my account had been compromised. I stayed on the call to try to remedy the situation. While I was on the call, the criminal authorized {$3000.00} from one checking account and {$500.00} from another to be transferred via XXXX. It turned out, that it was not Wells Fargo 's fraud department, however, because the phone numbers were the same, how was I to know?

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 2023-05-15
Company: BARCLAYS BANK DELAWARE
State: NV
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have this " XXXX XXXX '' gift card for a few years. Because of Covid and other health related situations, I have not used the gift card until yesterday. I always write down the balance on the card ( {$110.00} ). Surprizingly, I was told yesterday there is almost no blance on the card ( XXXX cent ). 

I contacted XXXX XXXX customer support and requested a transaction history. I was told that they do not have transaction history. 

I live with my husband and no one gets access to my storage. There is zero chance that this gift card gets used unless there is some fraud involved. It happened before years ago that a store clark used one of my gift card. I suspect something similar to it might have happened on this account.

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 2020-09-15
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX, XXXX my property sustained significant fire damage. 

Later that year, XXXX XXXX issued an insurance check for more than the amount that was due on the mortgage. The check was issued w/ my name & co-signer PennyMac ( the mortgage servicing provider ). I mailed the check to PennyMac and as soon as they deposited it, my life became a living XXXX. 

They refused to release the funds to allow me to fix up the property & then they " neglected '' to apply the funds to my mortgage & then they " accidently '' attempted to foreclose on the property & then they again " neglected '' to fix the foreclosure-problem ( both their home-office and their lawyers XXXX. 

We ended up in Court. 

They offered a " settlement '' that was far below my actual financial loss and also included a " Confidentiality Agreement. '' The case ended up being " discontinued '' in court as of XX/XX/XXXX. 

As of XX/XX/XXXX, I've held title to the property. 

Please see within the court documents where I was informed by a PennyMac representative that it wasn't PennyMac 's " policy '' to apply insurance proceeds to the balance of what was due, unless the mortgagor paid the difference. 

# 1 ) They refused to provide the " difference. " ... and if they had it would have been minimal. I ended up receiving an escrow check in XXXX XXXX from them. 

# 2 ) This " policy '' is in direct contradiction to the NYS FHA contract that I had ( see attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Subject : Formal Request to Investigate and Correct Inaccuracies in My Consumer Reports Dear Sir/Madam, Upon conducting a meticulous examination of my consumer reports, I have uncovered disconcerting inaccuracies concerning reported " late payments '' on specific accounts, including XXXX  Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. To the best of my knowledge and recollection, I have consistently made on-time payments on these accounts. The inclusion of these inaccuracies not only undermines my creditworthiness but also raises serious concerns regarding the violation of my rights under the Fair Credit Reporting Act ( FCRA ) and various other legal provisions, including 15 U.S. Code 1681 section 602 A, 15 U.S. Code 1681 section 604 A Section 2, 15 U.S. Code 1666b, 15 U.S Code 1605, 15 U.S. Code 6802, 15 U.S. Code 1681i ( 5 ), and 15 USC 6802B.

It is imperative to note that 15 U.S. Code 1681 section 602 A establishes my right to privacy, and 15 U.S. Code 1681 section 604 A Section 2 stipulates that a Consumer Reporting Agency can not furnish an account without my written instructions. These legal provisions serve as the foundation of my rights and expectations regarding the accurate reporting of my financial history. The inaccuracies on my credit report, therefore, represent a violation of these rights.

In accordance with the FCRA and the various codes I have referenced, I must also bring to your attention that a mailed check of {$1000.00} per violation is to be issued to me as per USC and CFPB codes. Each inaccuracy on my credit report constitutes a separate violation, and I expect remuneration accordingly. 

If you are unable to provide substantial evidence to support the reported late payments, I insist that you promptly correct my credit report to accurately reflect the true status of these accounts, which is " on time. '' To the best of my knowledge and records, I have never been late on these accounts, and these inaccuracies have the potential to significantly impact my financial well-being. 

After the completion of your investigations and necessary corrections, I kindly request that you send me an updated credit report to the address stated above, along with the checks for the violations. I deeply appreciate your prompt attention to this matter and anticipate the resolution and correction of my consumer reports without undue delay.

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: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have never been past due or late making a payment on this account. This company is reporting false information and we have been in contact with them for several months now trying to get them to correct these discrepancies. Im currently deployed on military orders and my wife has been calling constantly trying to get these issues resolved. The person or persons we have talked to have all agreed that our payments were not late or past due and they do not understand why their company is reporting things differently. This needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: NY
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Reporting agency failed to adequately verify account in collections. Account is tied to an address that I have never resided in nor recognize. The address is also not listed on my credit report nor is the phone number tied to that account deeming it fraudulent. 

Also they have inaccurately tagged my credit profile as having 2 late payments with XXXX XXXX when I in fact do not have late payments on this account

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 2021-10-18
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hello- we closed on our home on XX/XX/XXXX. Suntrust owes us {$4700.00} in escrow return. I have called them 6 times and have spent 119 minutes in total trying to get our payment returned. 

We moved from the home we closed on into a temporary apartment. I called with that address ( XX/XX/XXXX ). The first time they missed the unit number and I called again on XXXX they said they added it. The person I spoke to said " they usually figure it out without the unit number ''. It was a huge apartment and we were there temporarily so there was no way it was going to get to us. The third time I called ( XX/XX/XXXX ) I was under the impression it had been reissued and it wasn't. I called again on XX/XX/XXXX for a status and on XXXX where the person was the most understanding I spoke to and said she was going to request an expedite but wasn't sure it would happen. She said that USPS typically returns checks and does not forward them. 

I called again today XX/XX/XXXX and she said the status was they were checking to see if the check got cashed. 

Looking at some online documentation I don't know if they ever had our address right in temporary housing. Its an address with a unit number. It's pretty straight forward and I gave it multiple times. 

We had a mortgage for 6 years and never missed a payment. It's been 2 months and I can't get our money back that they owe us!! Could you imagine if I missed two mortgage payments! 

I had a similar situation with my home insurance company ( XXXX XXXX ). They updated my address, cut the check and I had it in 3 days no problem. Yay! 

I am currently waiting for a call back from a supervisor and am requesting for a wire or direct deposit. I am officially 2 months from paying off my loan to SunTrust and no payment is en-route to us. 

Phone Calls to SunTrust XX/XX/XXXX - 17 minutes XXXX - 16 minutes XX/XX/XXXX - 27 minutes XX/XX/XXXX - 16 minutes XXXX - 20 minutes XX/XX/XXXX - 23 minutes

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: MOHELA
State: TX
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 filled out 3 Public Service Loan Forgiveness forms ( PSLF ) in XXXX of XXXX. To date, only one of them has been processed and certified. The other two are still pending. It has been 15 months. 

A timeline : XX/XX/XXXX Consolidated loans, loan servicer was XXXX XXXX XX/XX/XXXX Submitted 3 PSLF forms for 3 employers spanning the last 14 years XX/XX/XXXX One PSLF form was certified and approved XX/XX/XXXX Loans were transferred to Mohela Here is what I have tried... 
1. Multiple chat and phone conversations first with XXXX XXXX, then with Mohela. They do not have any answers as to why these forms have not been processed. They claim that they are waiting on Federal student aid. 

XXXX. Submitted complaints on the Federal Student Aid website. The first complaint was made in the spring of XXXX and closed automatically when the loan transferred to Mohela. The second complaint was made in XXXX of XXXX, and we have received no response. 

My largest complaint is with Federal Student Aid. It should not take 15 months to certify that an employer is a 501C3. We have submitted everything asked of us in a very timely manner. And still no communication. Even after contacting the Ombudsman group, we have received no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Experian Information Solutions Inc.
State: VI
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 had a loan with XXXX XXXX that is reporting negatively on my credit report and it is the fault of the bank and not me so therefore it should be removed from my credit report. The problem here is that, I had went to the bank and told them that I had to have a XXXX XXXX XXXX XXXX  XXXX and I would be hospitalized for sometime so they told me to write them a letter and they would put the payments on hold until I could resume the payments. The bank never did what the had promised to do and went on to report the missed payments on my credit report, although I had given them the name of the loan officer ( XXXX XXXX ) who had advised me of the process that I must follow. After trying many times to get the bank manager, Mr XXXX XXXX to update the account to what it should be, I am now asking the credit report agencies to delete this derogatory item from my credit report. The bank manager, the XXXX, XXXX XXXX has refused to honor the banks agreement and told me via telephone conversation that if he fixed it, he would be reporting false information and would be in violation of the fair credit reporting act. So, it is very clear that this XXXX XXXX bank manager has no problem screwing up a customer credit, even though they were sick and helpless.

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 2021-07-17
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: Investigation took more than 30 days

Complaint:
I reviewed a current copy of my credit report with incomplete and inaccurate information. I do not recognize this consumer contract. Also I attempted to on a number of occasions to reach out to to the creditor with no success. Please again update this account as deleted. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account

Company response to consumer: Closed with explanation