BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter out XX/XX/XXXX to Experian.Here is my tracking number XXXX However its been more then XXXX days and the credit bureaus failed to send my investigation back.this is not making sense The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

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 2017-04-25
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I got behind due to an unfortunate unlawful incarceration which I 'm trying to recover from and i explained the situation to them and they were very willing at the time to work with me they stated they wanted  XXXX  payments right away I sent them  XXXX  cashiers checks on  XXXX  they sent a statement in  XXXX  and the payments were not reflected on the statement and when I called the stated they never received them so i sent them confirmation and never heard anything back from them then on  XXXX  I received the cashiers checks back and they were stamped with they deposit info so they held them a month stated they never got them then sent them back asking for  XXXX  they returned almost  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2023 I received a communication from American Express ( hereafter AMEX ), dated XX/XX/2023. This communication outlined several false statements and actions the company intends to take if I did not " respond '' in time. The communication states, " Since your account ( XXXX ) is past due and we haven't been able to reach you by phone, your account ( XXXX ) will be cancelled if you don't act soon. '' The communication further outlines threats and actions were outlined, which included : " 1. Your account ( s ) maybe cancelled. 2. You may lose any rewards you have pending with American Express, if applicable. 3. If your consumer account is reported to credit reporting agencies, your account will be reported as past due if we don't receive the total amount due for XXXX or more consecutive billing periods. On XX/XX/2023 A copy of my credit reports ( XXXX XXXX report and XXXX Report attached ) show American Express already took fraudulent and unlawful negative action against my account reporting debt delinquency. No attempts were made to contact me by phone as stated in the communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: AZ
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 XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.

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 2023-11-22
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I never tried to open an XXXX account but its on my report as I did in XX/XX/2023 I believe I want this off of my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: SERVISFIRST BANCSHARES, INC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Dealing with covid XXXX I was greatful enough to be put in a forbearance after being furloughed. However since that its been chaos being able to get this resolved. I have been lied to, blamed, discriminated embedded in bluntly miss represented. This company Servbank has taken over my loan they have been falsifying and giving me incorrect information and forcing my home into a suspended foreclosure. I have submitted several complaints against not only the custom allies, but the representatives that I have speak into the supervisors they are very knowledgeable, but very inconsiderate as well. I have been dealing with getting a standalone partial claim for the past XXXX months. This matter has taken so long that it has put me in deep, XXXX and XXXX on losing my home. Today I decided to submit a actual complaint with the consumer financial protection bureau, because this matter is so important to me, and I dont wan na lose my home. I hope I can get this problem. Rectified from the false forbearance l that they have informed me that I was on and the false news that they informed me. Yesterday the Customer ally name XXXX was extremely rude and very inconsiderate. Stating that it is my fault that I am in the status that I am in and trying to force me to make a payment. However, my account is in suspended for closure, and I am not allowed to make any payments. This is the third customer ally that I have received and I have no hope for this company and pray that I get my home out of this suspended foreclosure to refinance. And I am hoping to get this matter resolved as soon as possible but if anyone could help please do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: Experian Information Solutions Inc.
State: MS
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:
I had a XXXX XXXX XXXX some years ago with Creditor XXXX/XXXX. This account was closed a couple of years ago. They reported me living at an incorrect address of XXXX XXXX XXXX XXXX XXXX, NY XXXX and I have never lived in New York. When I googled this address, this is showing as the address to a company called 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 2022-03-05
Company: Experian Information Solutions Inc.
State: TN
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:
Anyone can send a bill and claim ownership, therefore an itemized bill does not imply that the debt is valid.

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 2022-03-02
Company: Chime Financial Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
I was issued a refund for the amount of {$8500.00} on Wednesday XX/XX/XXXX. I used the platform XXXX who then released my tax refund to my Chime bank account on Thursday XX/XX/XXXX. I was contacted by Chime bank on Friday XX/XX/XXXX and asked to submit additional information to verify my identity because I filed a joint tax return with my husband. I did so within 20 minutes of receiving the email. I have yet to be contacted by chime to verify they received my information or have made any effort to review the information. I have made 5 separate calls to the customer service line at XXXX, and made 7 submissions on their online chat without response. The first call made was Friday XX/XX/XXXX where the gentleman on the phone confirmed they received my documentation and stated I should hear back shortly. Because banks are typically closed on weekends, my second call was monday XX/XX/XXXX @ XXXX lasted 10 minutes where I was again advised they absolutely received my documents and they are required to respond within 2 business days of receiving my documents. Third phone call XXXX @ XXXX PM which lasted 15 minutes I again was advised they do have my documents but they process all hours of the day so to be patient as it should process soon. Fourth phone call XX/XX/XXXX XXXX PM lasting 22 minutes I spoke to a supervisor who escalated the claim and said I was supposed to be contacted within 2 hours. She explained it is a different department completely and I am unable to be transferred. I was never contacted. Fifth call XX/XX/XXXX @ XXXX lasted 17 minutes I again spoke to a supervisor who again told me theres nothing they can do. She is unable to contact them, her boss doesnt speak to the public so he cant help me and I should not continue to email them as it will send my status to the bottom of the que. Their solution is basically I have to wait it out. In all this I have yet to be contacted by chime. All the supervisors say they have no way of contacting the email team besides escalations which dont work because they acknowledge they are not responsive even to the supervisors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: MOHELA
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
In XXXX, I applied for an XXXX repayment plan in anticipation of student loan payment resuming. I never heard anything. When I looked up my account on Mohela, it said I was in forbearance. I attempted to call to ask them if I could make payments during forbearance to count toward my PSLF ( I have {$30000.00} of loans that are 4 payments away from forgiveness ). It took multiple attempts and finally a three hour phone to get some answers ( which ultimately led to more confusion. ) I was told that my repayment plan request could not be processed because they needed more information. ( I never received any communication to this effect. ) It was explained to me that they needed my last five years of tax returns in order to process my repayment plan application. I tried to explain that I'd given that access via this website/IRS. The representative I spoke to said that didn't count. When I tried to ask why they needed tax returns going back to XXXX ( because I had been in repayment in XXXX and they should already have access ), I couldn't get a straight answers. I think asked for correspondence that explained what documents were needed and where they should be uploaded. ( You can imagine that five years of tax returns might be a significant amount of pages. ) The operator said she just needed to rerun my application that it had been processed under the wrong plan, and I should hear something in a week. That was a month ago. Since then, my account is still in forbearance. The only communication I have gotten from Mohela is a note saying that they were slow in processing communication. I have tried to call on multiple occasions, and the wait times were over an hour long. I have contacted my Congress person and complained to the US Dept. of Ed. I still don't know what if any info is needed, what my payment will be or when it will be due. I also don't know what I need to do to try to get four more payments credits to reach PSLF.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: GLOBAL SOLUTION BIZ LLC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
For 2 days Ive been contacted repeatedly. Its causing my XXXX to spiral out of control and dont want to XXXXXXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Freedom Mortgage Company
State: MD
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:
Dear Sir/ Maam To whom it may concern, I have a few late payments to my XXXX # : XXXX which is now current and up-to-date payments immediately executed. On XX/XX/XXXX my wife XX/XX/XXXXunexpectedly. 
Her XX/XX/XXXXwas and still is a severe setback for me in many ways. She was the finance specialist of the household and I did not handle bill payments for almost XXXX decades. 
Her XX/XX/XXXXunfortunately deeply affected my bill-paying capabilities. Not financially, but just learning the strategy of paying. 
Our mortgage was set up with an institution that closed or inactivated our account upon notice of my wifes XX/XX/XXXX. 
The majority of our bills like this one are on auto-pay. By inactivating the account ( un unknown to me ) while the funds were in the account the mortgage payments were not processed. 
As soon as I was notified ; the problem was corrected and I have set up autopay once again now with XXXX. I have also written XXXX, XXXX, and XXXX to rectify the credit issue. 


Thank you in advance for your assistance to resolve my situation. 

XXXX XXXX XXXX XXXX XXXX. 
XXXXXX/XX/XXXXXXXX XX/XX/XXXXMD. XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Acct # 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 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to XXXX XXXX  as requested by their agents. But the issue is that the website never completely lets me finish the account setup with usual errors ( ie " failed security check '' or " site error, try again '' ) on multiple occasions. Contacting IT department of XXXX XXXX lead to nothing as the agent would " open a ticket '' and no resolution was reached. When the site actually does let me make an account, I can't submit any disputes due to further glitches and contacting IT again leads to nowhere. Last option remains to call their representatives and proceed to dispute through that but when I do call, the reps are too lazy to even properly initiate any disputes. FTC and police report numbers are not taken over the phone and are asked to mail instead. Even after mailing the said documentations over and over again via certified mail and having proofs that XXXX XXXX received it, the agents keep denying the receipt and keep hindering my attempts to fix any and all attempts to resolve this drastic information leaks on XXXX XXXX  end.

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 2023-08-11
Company: Compass Recovery Group, LLC
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX, I replied to an email sent to me by Compass Recovery Group. They claim to be trying to collect a debt for XXXX XXXX XXXX, another debt collector. Who claims they purchased my debt in XXXX of XXXX. 
I requested proof of ORIGINAL CONTRACT WITH WET SIGNATURE and payment history. As well as requesting for them to cease emailing me. 
Today, XX/XX/XXXX, I received a copy of a contract, a payment history, a letter that they claimed was sent on XXXX XXXX, and a copy of an old driver 's license of mine. 


There are several things wrong here, that go against consumer law and my rights as a consumer. 
Starting with the contract provided me, the amount of debt is inaccurate, as well as the computerized signature. Reading the top left corner of the contract, it states that I initiated this loan over the phone. I do admit that I did initiate a loan with the original creditor in XX/XX/XXXX, IN PERSON, in which I made payments on. This is the original contract I requested. I do not know where this new contract came from. I didn't request to extend the loan by {$500.00} over the phone, as stated. The number of total payments increased, and the overall interest payment is also inaccurate. 
The information provided on the application has been added through running a credit report, not by my giving the information. As the real estate information is inaccurate as well as other information. 
My rights to privacy were also violated by this collection agency sending a copy of my driver 's license via mail, as I have been a victim of identity theft and have noted this, in previous complaints. 

When it comes to collection practices, it appears that there are 3 different collections agencies trying to collect this inaccurate debt. I have received emails from another company, by the name of XXXX XXXX XXXX XXXX, that initiated the emails in XXXX of this year. So, I am uncertain how COMPASS RECOVERY GROUP acquired this account from XXXX XXXX XXXX, who claims they purchased the account in XXXX of XXXX. 

Last but not least, I did not receive initial written notice that my original debt with sold to anyone. According to the law, I am to be notified at least five days before ; in writing. 

It sems impossible to receive accurate information, as there appears to be 3 collections agencies trying to collect different amounts, none of which are what I signed a contract agreeing to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I submitted a dispute to Equifax to remove a fraudulent item on my credit report for XXXX. After several attempts and various documents submitted and a call to the FL Attorney General 's office I was able to have this item removed. The issue is that Equifax has reported a blanket dispute remark on my open and valid accounts for XXXX ( XXXX and XXXX ). On these XXXX items it now states - Consumer Disputes Reinvestigation in Process. I was supposed to close on a mortgage today but now that these remarks are on my report I am not able to close and may lose out on the house. I have called Equifax and asked them and begged them to remove this wording immediately because they reported those disputes to those accounts erroneously. They refuse to remove the wording immediately and stated it will take XXXX business days even though I NEVER disputed those XXXX XXXXXXXX XXXX  I am beyond frustrated, I am living in a hotel because I was supposed to close last week, now was supposed to close today ( XX/XX/XXXX ) and now I may not even close on this home at all!

Company response to consumer: Closed with explanation