BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-15
Company: Experian Information Solutions Inc.
State: TN
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:
PROBLEM : Since XX/XX/XXXX I have been trying to get XXXX to correct my credit reporting for the BIG 4 including XXXX, XXXX  and Experion as promised.

I was told once my modification was completed all of my negative reporting would be cleared up as ok. I started the process in XX/XX/XXXX and it finally concluded on XX/XX/XXXX with the modification. Immediately, XXXX disbands the division, the employees disappear and my loan is transferred to XXXX XXXX. 

XXXX was practicing the same hanky-panky which got them fined for {$28.00} XXXX by the CFPB ( XXXX ) in XXXX. Starting in XXXX XXXX would start the process, inform me not to make payments, asked for documents and would tell me my credit reports would be cleared for non-payments and changed to OK status. I was told throughout the process my credit reports were going to be corrected to show in good standing for every month throughout the process because I was doing everything on my part to get the modification done. 

The process would begin or restart and stop by XXXX after changing agents and using the excuse they had no paperwork, did not receive paperwork or needed other paperwork as I went through XXXX XXXX ( XXXX ), unknown worker ( XXXX ), XXXX XXXX ( XX/XX/XXXX XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX XX/XX/XXXX ) and XXXX XXXX ( XX/XX/XXXX XX/XX/XXXX ). 

CREDIT REPORTING : For XXXX I show over 30 days late for ( XXXX ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and ( XXXX ) XXXX. Also, I am over 60 days late for ( XXXX ) XXXX, XXXX and XXXX. Finally, for ( XXXX ) I am over 90 days late for XXXX, XXXX and XXXX and over 120 days late ( XXXX ) XXXX, XXXX, XXXX and XXXX. In addition, despite making payments to XXXX XXXX for {$1300.00} on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX and {$1300.00} on XX/XX/XXXX ( see XXXX   XXXX  Statements for payments ), XXXX shows my account being past due on XX/XX/XXXX for over 120 days late for {$16000.00}. 

In my conversations with XXXX, despite knowing payments were made on time starting in XX/XX/XXXX, they will not correct the XX/XX/XXXX negative report. Finally, XXXX has had a history of this behavior with their customers. 

OTHER EVIDENCE : 1. XXXX XXXX Statements from XX/XX/XXXX XX/XX/XXXX showing on time payments to XXXX. 2.  Emails with XXXX  3. Emails with XXXX showing XXXX was unresponsive for SIX months from XX/XX/XXXX to XX/XX/XXXX getting XXXX the necessary information to complete the modification. This same lack of responsiveness was also why my information was never changed on my credit reports as I was told it was after the completion of the modification. 4. Credit reporting from 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 2021-01-09
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2020, I requested an international money transfer in the amount of XXXX XXXX and XXXX XXXX dollars ( USD XXXX ) through Moneygram company in the USA to be deposited in a personal account at XXXX XXXX XXXX XXXX ( XXXX ) in XXXX. 
Moneygram provided me with the tracking number # XXXX at an exchange rate of XXXX and an amount to be received up to XXXX XXXX XXXX. 
However the beneficiary person who is my father never received the amount in his personal account in XXXX. 
I called Moneygram by XX/XX/XXXX, and They explained to me that a further investigation would be initiated and ask me to call back in the next week. 
I made a second call to Moneygram on XX/XX/XXXX, and they again replied that a deeper research would be conducted and ask me again to call back in 10 days. 
In the first week of XX/XX/2020, I called them back again and They argued that the money transfer was already made and that I needed to contact the bank in XXXX. 
Subsequently, my dad went several times to a branch of the XXXX XXXX ( XXXX ), but they argued that he bank have not received the money to credit my dad 's personal bank account in XXXX. 

I am attaching ( 1 ) the receipt from Moneygram and ( 2 ) the number of my dad 's account ( CLABE ) to allegedly be credited ( circled in red ) Thanks for your attention

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-03-08
Company: NCB Management Services Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In early 2019 I was a victim of ongoing identity theft in which unknown individuals or individual obtained my personal information and my bank information. With this information they obtained multiple online personal loans and took the funds from my bank account as well. Each time I resolve the issue with one " Debt Purchaser '' they sell the debt to another party. This has been ongoing through disputes since 2019 and I am now taking legal action as well against the original lender and the collection/Debt Purchaser that now owns the debt to have the debt quit being sold to the next buyer after I prove its not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Consumer Portfolio Services, Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are Inquiries that are reflecting on my credit report that I have not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Problem with personal statement of dispute

Complaint:
I disputed these accounts on my credit report and asked for proof of validation or remove the account. They never provided proof of validation and still have the account on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
My wrong phone number is listed and I cant seem to update it

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 2021-01-04
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Recent mortgage was with PHH Mortgage/Ocwen Services. Ref. Loan # XXXX. I refinanced that mortgage with XXXX by XXXX XXXX  which closed on XXXX XXXX XXXX. All payoffs wired to PHH on or about XXXX, XXXX XXXX with no acknowledgement by PHH that they have received any funds. They are still demanding payments for XX/XX/XXXX and XX/XX/XXXX with the threat of forclosure on my property. I sign onto their website to see if there were any changes to my mortgage account with them and the account shows that they were still holding me accountable for the full amount of the mortgage I had with them. Plus they have been adding extra charges during the pandemic with no explaination on my statements as to why or what those charges were for. 

The new loan closed on XX/XX/XXXX with XXXX by XXXX XXXX. 
Loan 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 2019-07-25
Company: Experian Information Solutions 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:
Well everytime i call i cant get the question rite as they say and then they want me to send them a copy of my id and ssi card which i not sending my personal INFORMATION AND THEY SEND PEOPLE THUR THE RINGERABOUT WHAT WE KNOW ABOUT OURSELF THAT WHAT I DONT GET WE KNOW WHST ON OUR CREDIT

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 2019-04-02
Company: Prosper Marketplace, Inc.
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I contact loans places to get a loan to help my mom get a place because of personal reasons ... I applied for the loan n got accepted with no credit, it was for an installment loan.. I got money sent to my account XXXX into my savings then I had to sent back to the company in order to get my Loan that I was originally post to get which was {$2000.00} and then I tried to cancel the loan but they wouldnt let so then I called my bank and they said money has been deposited into my account and it looks like it might be 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 2023-01-23
Company: WELLS FARGO & COMPANY
State: GA
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:
XXXX of my checking accounts was the victim of repeated fraudulent withdrawals. Therefore, I asked that the account be closed and advised that no further withdrawals should be made from the closed account. The account was closed, at least I was told that it was closed. About XXXX weeks after it was closed a check written on the closed account was presented. Instead of rejecting the check, Wells Fargo took money out of my new replacement account. The transaction was fraudulent. i reported this on Friday XX/XX/XXXX. I have been to my branch XXXX  about it. i have spoke to the branch XXXX or XXXX more times. I have been told that the fraud department is investigating and will contact me within XXXX hours. I have not been contacted by anyone.

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 2023-03-30
Company: Experian Information Solutions Inc.
State: MI
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 disputed an account with XXXX XXXX XXXXXXXX XXXX with experian the account came back as verified and I havent received any information or details of the investigation they conducted who they spoke with and what exactly was verified nor was I interviewed at any point during this investigation .how was a proper investigation completed I have a right to privacy if my personal information and this reporting is a violation of that right.

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 2022-04-25
Company: CL Holdings LLC
State: FL
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:
The 3 credit bureaus advised me to file a fraud complaint with the FTC to have all these fraud account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Experian Information Solutions Inc.
State: NJ
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:
On XX/XX/2020, I, XXXX XXXX pulled my credit report thru XXXX and after I went over I found out XXXX accounts on it that I did not recognize. I started to do my own research with a friend of mine that I know he went into a similar situation and on XX/XX/2020, I went to filed an Identity Theft Police Report, on XX/XX/2020, I started my first dispute, after the second dispute, the other accounts were removed from my report ; as of todays date I have submitted my documents to the Credit Bureaus XXXX times ; so, I am now taking an extra step to remove an alleged account with XXXX that is repeating TWICE on my EXPERIAN and XXXX credit report. For reference, I am attaching a copy of my last dispute. This account is not mine and it is affecting me very much, I really hope that this time this account will be off from 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 explanation
Consumer complaint received 2023-01-23
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX has failed to refund my payments during the COVID payment pause. I requested the refund XX/XX/XXXX and was told my refund was processing. I called again XX/XX/XXXX and was informed the refund is still in processing. It is now XX/XX/XXXX and I haven't received a refund or further contact from FedLoan. From XX/XX/XXXX through XX/XX/XXXX, I made {$1700.00} in payments. My loans have now been transferred to XXXX and a request has been submitted to XXXX for a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXXXXXX Balance : {$360.00} XXXX XXXX XXXXXXXX Balance : {$990.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30
Company: World Acceptance Corporation
State: RI
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:
Personal Credit Plan is reporting inaccurate information to XXXX. I contacted them and they claim XXXX  has all information, and has to remove the item. I explained that it was already taken cared of by XXXX XXXX and XXXX, but still showing on XXXX. XXXX  online dispute site has been down and no one helps. This account is a very old account paid in full. Please remove this account from my credit report. This account is paid in full. Contact XXXX XXXX in XXXX IL. If you need verification..,, thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: EQUIFAX, 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:
in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, & XXXXXXXX XXXX : Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX bank Account # XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
CITI Double Cash Card ending in XXXX. Payment was due on XX/XX/XXXX, a Sunday. It therefore posted as paid on Monday the XXXX. I received a notice that since this was my first time late, the late fee was waived. This bogus " courtesy '' aside, the email sent to me by CITI indicates that they still consider the payment late.

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 2021-03-30
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Jefferson capital system has been sending me collection notices in the amount of {$4200.00}. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have contact with my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: TX
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 dont know where you keep getting XXXX XXXX XXXX XXXX. I live at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. I need my report to reflect this address. I haven't looked at this report since 2021. My address was XXXX XXXX XXXX, XXXX tx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a 1099-C notice on XX/XX/XXXX forwarded to me from the current resident of an address that I no longer live at regarding a debt of {$2000.00} for a credit card that I've never applied for or possessed. I believe that this is a result of identity theft. I filed a claim with their fraud department, under case # XXXX. Multiple attempts were made to follow up on the claim in XXXX & XXXX with no response. 

Today XX/XX/XXXX, I've received a response stating that payments were made and statements were mailed to me. Bank of America could not have mailed anything to me. As this is the first time I'm ever receiving anything from them regarding a debt, and they even sent the initial correspondence to an address that I haven't lived at since XXXX of XX/XX/XXXX.. 

I have never made a payment on this card that they say that I have. They've also refused to provide me other information regarding the account, that would assist me in further disputing this fraudulent account. Attached is all of the correspondence that I've ever received from Bank of America.

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 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
The Bureau collection item appeared on my trans union credit report. I mailed a validation letter for the debt dispute. The debt collector failed to respond. I have no knowledge of 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