BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-13
Company: DISCOVER BANK
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
On XX/XX/XXXX I spoke with XXXX who helps with making loan decisions such as forbearance loans, payment plans and etc. I was trying to express to him the issues I was having since the pandemic and how I can't get a job but he put me on MUTE. After about 10 mins, he never returned so instead of hanging up on me I figured out that he wanted me to hang up. 

so I hung up and called back and spoke with another person and I forgot their name but it was unsuccessful. 

I been having a hard time getting a job since the pandemic started. Any opportunities I received were gone due to the pandemic. I can't speak for anyone else I can only speak for myself. 

I offered to show proof that I am actively looking and to give them proof of all of the decline emails that I receive weekly and that didn't matter. 

I told them I can pay {$50.00} a month and they refused that as well. They said that's too low, If I known they were going to be like this - I would have never borrowed from them in the first place. 

They told me that I exhausted all of my options and that they need at least 6 months of payments for me to be eligible for anything that they offer. That makes absolutely no sense at all! How am I going to pay if I do not have a job. I already told them that I do not have anyone to borrow from. 

This company acts like they didn't know we were just in a pandemic. The reason why I can't get a job because I do not have recent experience. These companies want you to have recent experience but how could we? We were in a pandemic for 2 years!!! Everyone was scared to catch Covid! No one wanted to hire new people. Every company you was going to hire me decided to just promote within because its safer than bringing in a new employee. I have proof of that too. But they don't care I don't come from a privileged family - I don't have the option to borrow and pay someone back. And they are aware of this. They know that I can't make payments right now but they do not care. 

I was trying to work with them, come to some resolution but they refuse to help me. I am hoping to get assistance with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: CCF Intermediate Holdings LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I reached out on XX/XX/XXXX about a payment plan that I was on. I was on an extended payment plan of {$270.00}. Unfortunately I had fallen through some hard times and asked if the payment can be moved. I was told that that payment could not be moved. Then I try to make a payment, and then that payment was returned due to insufficient funds. I tried to reach out on Monday, XX/XX/XXXX and none of the representatives were helpful. I kept getting the runaround. I had put in a complaint, and I responded to the complaint. Explaining that I agree with the outcome but I am working on getting the funds and once I had the funds I will reach out today at around XXXX XXXX. I got a call from the department the in-house to collections department telling me how am I going to be paying that balance? I explained that I did not have The available funds because Im trying to work things out with my bank to see if theres a resolution to get the negative valance fixed then I asked, can you please remove my phone number so I dont have to get calls and I can focus on getting back in my feet and the agent I spoke to told me unfortunately theres no way to remove the number collection efforts will assume I want this company to cease and desist communication until Im able to get back on my feet. I am not denying this debt. I know I owe but I just want the calls cease because this is put a lot of stress on me physically, and mentally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
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: 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 the bureaus 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 the bureaus 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 the bureau 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 the bureaus 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 2022-12-06
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX  credit bureaus to validate This account ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX  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 a my file at Experian and XXXX  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..It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$15000.00}

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 explanation
Consumer complaint received 2022-12-06
Company: EQUIFAX, 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX  and Equifax credit bureaus to validate This account ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX  and Equifax 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 a my file at XXXX  and Equifax 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..It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
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 customer service

Complaint:
Hello XXXX XXXX XXXX & XXXX XXXX XXXX, I was a loyal customer with Citizen 's Financial Group. On XX/XX/2022 XXXX I called in inquiring about a transaction that declined via phone. I was on hold for about XXXX till someone named XXXX answered. I explained to XXXX my concerns in regards to my card declining. I though he was nice during the beginning of he conversation, boy did the conversation take a turn quick! He began to explain to me the reason behind my card declining was due to non payment. Meaning I did not make a payment. I was very confused and shocked, due to me owning my own XXXX XXXX XXXX. I in fact pay all my bills on time. So I asked him when was the last time payment was made he stated XX/XX/XXXX. When he stated XXXX, knowing my due date is XXXX of month, I kind of hit the panic button, like have I been that busy lately I forgot to make a payment, like how can I be so foolish. 
As he's speaking, I asked will the late payment reflect on my consumers report, he said Yes! I than said well are you aware that late payments are a violation? And if you report the late payment I will close the account and just get it removed for FCRA reasons. When I stated I will just get the account removed he stated ok! So I asked him how many days was I late and answered and said XXXX. So It instantly XXXX clicked! Like wait a minute, XXXX of being late can not get reported. So I said are you aware of what you just said to me? You stated I was XXXX, so I'm not late. You instantly started using an abusive tone with me. As went as far as mocking me. I was so shocked and surprised. I explained to him how I suffer from anxiety and to please not use the tone he was using with me. That didn't stop XXXX. Moving forward not only was rude, nasty used an abusive tone he provided inaccurate information. Just to later learn that the account is only XXXX pass due. I will not ever do business with Citizen Financial Group. Expect to hear from my attorney I will also be closing the account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I was due a {$370.00} bonus for opening my checking account. The bank gave me the {$370.00} credit twice on that day. On XXXX they debited me {$370.00}, thus reversing their error. 
In XX/XX/XXXX, I received a 1099 form, from the bank. It showed that I had received a bonus of {$750.00}. This is wrong, since they reversed the second {$370.00} credit. 
I went to my local branch, in XXXX XXXX XXXX. A banker there said it would be corrected. No such thing happened. A week ago, I visited again, speaking to the branch manager. I followed up with the Regional manager. Still no correction Due to their error, I have been unable to file my tax return, and thus my refund has been delayed. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
This is my XXXX 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 alleged fraud or extortion. 
XXXX XXXX XXXX, MD XXXX XX/XX/2022 XXXX XXXX Balance : $ XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Experian Information Solutions Inc.
State: NY
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 2022-03-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX {$1000.00} XXXX {$1100.00} XXXX {$500.00} I was scammed. I believed these people on XXXX were really going to help me. They said they were a XXXX investing company and would help me invest a lot of money because XXXX was booming right now. I can not believe I fell for this. I spent my families savings. I need help. Please 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 2022-03-01
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX and I give authorization to move forward with this complaint. Please see the attached documents and identifying identification as it contains my full complaint and request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
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:
This is my several requests that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block these items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
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: 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22
Company: Selene Holdings LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Back last year I filed a complaint due to the fact that I have an FHA loan and had requested forbearance due to hardship because of covid and Selene finance told me that my fha loan was switched to a conventional because of a late payment they also stated this to cfpb which is incorrect. 4 different times I have requested ALL account stmts, payments, and all loan documents showing where this is not fha and that it is a conventional loan and they have yet to send anything but what can be pulled up on the account on the system for the last 2 years which is what was verbally held I had HUD research the case number and they found that someone dropped the ball and did not file the case number. I also spoke with a lady who stated that there were bankruptcy papers in our file and this was incorrect. Once I got the attorney for them involved and cfpb and hud counseling they stopped the forclosure and were supposed to be doing a real forbearance for the last 2 1/2 months I have called and called and went straight to voicemail or customer service who gives me the same number and option I called into to set up our payments that we can make now and I finally got through today after learning that we are being foreclosed on XX/XX/XXXX this isnt right we signed at closing a note that is fha in XXXX and no where Is there a conventional loan documents signed All we want is for them to follow what was originally signed and are even willing to sign a new note after the original loan paperwork, payments fees has been sent to us as requested in writing several times and been investigated on there end as well and then a repayment plan done. We are on the middle of having to replace all kinds of stuff in the home including roof, plumbing, and the whole sunroom. We would honestly be better just walking away from the property at this point but this is our home that we are trying to keep and just want this all fixed so this is continue to happen Thanks Forbearance was requested in writing and verbally to Selene an acknowledgement was received on each one but nothing was ever sent to us. Please advise how we need to proceed. I am also going to go to XXXX XXXX, my colleague at OIG, FOIA with HUD if I do not get any kind of answers by XXXX. Regard to the mass amount of calls but its unfair to never answer until week before its going to auction especially when we are wanting to set up pmts to repay this and get back on track for the last 2 years. Please get a solution for us that is reasonable I have our original note, dot, all other paperwork as well as pmi payments to we have paid on this loan .if this needs to be sent we can upload this

Company response to consumer: Closed with explanation