BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-21
Company: MRS BPO, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have no outstanding debt in arears and have NEVER defaulted on a debit. I receive multiple calls from MRS associates a day leaving a message to call them about a time sensitive issue. I block the calling number and then receive the same message from a different number, leaving a message in a different voice but exact same script. 

I am not going to return their call because I do not owe any past due bill/debits/loans.. If I truly am the person they want to talk to they can send a letter describing the issue and I'll gladly reply telling them they have the wrong person. 

I assume they are fishing for someone with a similar name or were given my name in error. Either way until they provide context for their call in their message, which they won't because it is an automated dialer/message, I will continue to ignore them and block their number.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: EQUIFAX, 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 information incorrect

Complaint:
Equifax investigation into a late payment on my account shows data unchanged its still late 30-59 days. I received a letter from the original creditor which states that they will be removing the late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Representative told me my debt was {$260.00}, which is what I paid. After the fact, I learned that I paid a settlement amount. My debt was actually {$350.00}. I called and spoke to an office manager who engaged in abusive behavior. Used foul language and refuses to acknowledge any wrong doing on the company 's behalf.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: ALLY FINANCIAL INC.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On or about XX/XX/2022. 
I Purchased a a/c system for my house with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 
I unknowingly signed contract that included items that were not compatible with my new a/c system per bad recommendation of " XXXX '' seller from XXXX XXXX XXXX XXXXXXXX XXXX XXXX among with the new a/c system. 
So, based on that bad experience I cancelled all the other additional items that I purchased, leaving only the new A/C system ( it was already installed ) So, for the payment " XXXX '' had me signed a loan of {$20000.00} that would be paid XXXX payments of {$330.00}. 
BUT, since XXXX XXXX sold me the wrong product and I cancelled the other items, the price of my debt went down to {$14000.00}. 
I contacted both parties to redo a new contract with the ONLY item that I actually received, but XXXX XXXXXXXX XXXX XXXX  said that they will credit the money to my account. I told them no, because the monthly payments will be bigger, thinking that it was the only issue, so, I submitted a claim with Ally, and both parties agreed to keep the same account. 
I received an email from Ally that XXXX XXXX XXXX XXXXXXXX XXXX XXXX stating their resolution. 
I emailed over 10 times asking for a document that states the Items that XXXX XXXX XXXX included in my new debt, but I only got a verbal response. 
To make matters worse Ally verbally expressed that I have still to make the 120 payments of {$330.00} and that I have a FEE of {$180.00}. Now I owe them more than the debt {$15000.00} I have made 3 payments of {$330.00} and I am also charging {$35.00} late fee because of the time that they process the payment. 
The Ally account number is XXXX Is very important to add that both companies ignore my emails and ask me to contact them over the phone and when I do they claimed to be in a meeting and never call back. 
XXXX XXXX from Ally said that he can't longer talk to me about my case that " XXXX '' will call me, but she/he had not nor respond my calls. 
His email is XXXX and from XXXX XXXX is 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 monetary relief
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 {$4800.00} 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 2023-03-03
Company: Experian Information Solutions Inc.
State: MO
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:
Several discrepancies with my credit report, due to inaccurate reporting that violates FCRA guidelines.

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 2022-08-29
Company: Fay Servicing, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fay Servicing was supposed to escrow our insurance and taxes. They missed out paying supplemental tax and we received a delinquent notice. It has been a while and they haven't paid it yet and we were already charged with penalty because they missed paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: NY
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX. XXXX XXXX XXXX Late Payment Account XXXX. XXXX XXXX  XXXX Charge Off Account XXXX. XXXX XX/XX/XXXX Inquiries XXXX. XXXX XXXX XX/XX/XXXX Inquiries XXXX. XXXX XX/XX/XXXX Inquiries XXXX. XXXX XXXX  XXXX XX/XX/XXXX Inquiries XXXX. XXXX XXXX XX/XX/XXXX Inquiries XXXX. XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX. XXXX XXXX XXXX  XX/XX/XXXX Inquiries XXXX. XXXX XXXX, XXXX XXXX XX/XX/XXXX Inquiries I believe that the above items are inaccurate and/or incomplete. 

Regarding the Late Payment Account from XXXX  XXXX, I have never been late on a payment and I have documentation to support this. Therefore, I believe that this item is an error and should be removed from my credit report. 

Regarding the Charge Off Account from XXXX XXXX, I do not have any record of such an account with this institution. Therefore, I believe that this item is an error and should be removed from my credit report. 

Regarding the inquiries from XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX XXXX I do not recall authorizing these companies to pull my credit report. Therefore, I believe that these inquiries are unauthorized and should be removed from my credit report. 

I respectfully request that you investigate these items and make any necessary corrections or deletions to my credit report. Thank you for your attention to this matter. 

Sincerely, 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 2016-12-13
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
FROM THE LAST CFPB RESPONSE BY NATIONSTAR " Unless there is new and material information that has not been provided to Nationstar Mortgage for investigation, Nationstar Mortgage considers this matter resolved. '' WE PROVIDED NEW EVIDENCE WHICH THEY IGNORED ... BUT WE WILL LIMIT THIS COMPLAINT TO THESE FOLLOW UP QUESTIONS ~ Nationstar admitted loan origination fraud, loan servicing fraud, embezzlement and more ... when did these acts become legal for your company? 

Nationstar has repeatedly claimed to be the Federal Government/FNMA while hiding their identity from people seeking legal recourse ... when did this become legal for your company? 

Nationstar is intentionally defrauding consumers and the US Federal Government using fraud ... .when did these acts become legal for your company? 

Please note ... the rest of us have no waiver for these laws, can I get a copy of your criminal and civil law exemption? 

PLEASE NOTE THAT NATIONSTAR HAS CONFRIMED THESE CRIMES HAVE OCCURRED ... THEY ARE NOT ALLEGATIONS ... THE COVER UP AND CLAIMS OF NO WRONGDOING AFTER CONFRIMING THE CRIME EXPOSED A COMPLEX, WELL ORGANIZED, CRIMINAL AND CIVIL RACKET ... A RACKETEERING SCAM PROSECUTABLE UNDER RICO ( The Racketeer Influenced and Corrupt Organizations Act, commonly referred to as the RICO Act or simply RICO )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Bread Financial Holdings, Inc.
State: DC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received look like bill thank you for being a forever 21 credit card holder! I never shopped at Forever 21 and I don't own a credit card. I went on XXXX to find company then message then message Forever 21 they sent " Hey Forever 21 credit card accounts are issued by Comenity Capital Bank we're unable to check if you have an account. Please reach out to Comenity Capital Bank customer service for further details atXXXX ( TDD/TTY : XXXX ). XXXX at Forever 21. " I called number machine asking for last 4 digits of my social security. I waited for agent woman sounded foreign asked for my address I told her. Then asked for my last 4 digits social security then I hung up. I never shopped forever 21 I don't have no credit card. Please check them out seem scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX To XXXX   Experian, and XXXX This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either you or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a mortgage, which was highly embarrassing and has negatively impacted my lifestyle. 

Please note there are several errors on my credit report. 
1. I have never lived at XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( please remove ) 2. I have no previous address of XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( please remove ) 3. I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Please remove ) 4. I have never worked for SSA ( please remove ) 5. XXXX Card Services has consistently reported incorrect information. The date of last payment was not XX/XX/XXXX. This is an attempt to keep a debt on my credit report for longer than 7 years. ( Please remove ) I officially dispute this debt in its entirety. 
6. XXXX XXXX I am disputing this debt in its entirety. 
7. XXXX XXXX : ( I dispute this debt it its entirety, please remove ) 8. XXXX XXXX : ( I dispute this debt it its entirety, please remove ) 9. Please remove phone numbers that I do not recognize and were not my telephone numbers. 
a. XXXX b. XXXX c. XXXX d. XXXX e. XXXX f. XXXX g. XXXX h. XXXX i. XXXX j. XXXX 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 2023-03-03
Company: Experian Information Solutions Inc.
State: NY
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:
Experian adhered to my demand of removing XXXX  or from my consumer report then a few days later placed it back on as verified. I was never given further information as to how this alleged debt was validated. Im lodging a formal complaint for the PERMANENT REMOVAL AND BLOCKING OF ANY ALL ALL REPORTING FROM XXXX XXXXXXXX.

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 2023-04-08
Company: Experian Information Solutions Inc.
State: LA
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:
It is showing on experian that I have a {$110.00} dollar debt through my XXXX bill in actual fact I have a {$250.00} dollar credit on my XXXX XXXX The boost program they have also is showing that I don't have 3 payments on one of my streaming services as when I updated my cards it took off the XXXX account which I have benn paying for over 6 months and was connected before I updated everything. I've tried reaching out to them about this but they keep making excuses.

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 2020-09-28
Company: TOWNE MORTGAGE COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Towne Mortgage Company does not accurate communicate all monies owed on my mortgage on their website. Apparently, there is a late fee on my account that I would not know about because it is not presented anywhere on the website. You'll see on the screenshot I provided they only publish the regular monthly payment due yet nowhere is there a late fee communicated. Yet when I call they say I owe a late fee. At the same time, you'll see an additional screenshot for making a one time payment, there is no entry available to dedicate funds to the late fee owed. This is perpetuates an infinite cycle of fines which is dishonest!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : {$0.00} XXXX-XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/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 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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 : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01
Company: EQUIFAX, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation