BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-12
Company: Dovenmuehle Mortgage, Inc.
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We were struggling to pay the mortgage due to covid and loss of hours/income. We had entered into the forebearance period through loss mit and finally started to get back on our feet. They offered us two choices, defferal or modification. We chose to go the modification route as the XXXX payment was still going to be hard for us to pay due to loss of income as well. So on XX/XX/2021 I sent over the modification application for approval. They told me it was going to take 10 days to process. After 30 I called up and they said it would take 2-3 months. So when I paid the mortgage payment I would check on the status as well as in their computer system. They had no answers ... Come XXXX I started calling weekly to see where our application was, I got several different answers from XXXX, XXXX, XXXX, XXXX, as it was shipped, but I never received anything ... They also stated a supervisor would get back to me ( they never did ). So finally on XX/XX/2021 I called and spoke with 3 different agents ending with XXXX. He told me that the supervisor of our loan no longer worked for the company and that because it has been so many months from our application that it was no longer good and I had to fill out a new application. This is unacceptable and very sloppy work as per attached I have been calling monthly and weekly to follow up on my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
From XX/XX/XXXX through XX/XX/XXXX I have been attempting to contact Equifax and XXXX to place a freeze and fraud alert on my credit report. Their websites continually do no load and/or process the request. Contacting via phone is always automated and at the end states " system is not available ''. When trying to contact an agent I receive a " busy '' signal. The automated prompts then indicated there is a freeze on my credit report, however failed to provide a pin to release it. 

There has been an egregious violation of protection of NPPI by these entities and an apparent deliberate attempt to taper or slow down volumes given their business model. Given the type of information they use, sell and profit from, they must have controls in place to effectively mitigate these types of risks. They clearly do not. Not only is this the fault of the company, regulators have failed the public as well given the lack of oversight of this industry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to address a critical matter concerning the presence of inaccurate accounts on my consumer credit report, which have been reported by Great Lakes. It has come to my attention that these accounts have never been properly validated, infringing upon my consumer rights. I demand the immediate removal of these accounts from my consumer report, as their inclusion violates my rights and is causing severe damage to my reputation and financial well-being. 
The reporting of inaccurate information on my consumer credit report by Great Lakes is unjust and has resulted in denials on credit applications, as well as significant harm to my financial standing and reputation. It is imperative that you rectify this situation by removing these accounts from my consumer report without any delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: LD Holdings Group, LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Hello, I called loan depot to start auto payments. They state you can not start them for 30-90 days. Ive paid several mortgages with several companies from the beginning with auto pay. I believe this is a money grab to make it difficult for the consumer to remember to pay the first three months, resulting in easy late fee penalties. There is no reason you should not be able to auto pay up front. I asked to set it up and they stated company policy, keep trying between 30-90 days after your first payment. I would bet if you took a look they have collected massive late fees in the first 30-90 days. I believe this is on purpose and predatory. Thank you. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
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: Credit inquiries on your report that you don't recognize

Complaint:
Someone stole my identity and started applying for things in my name.

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 2019-02-21
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent several certified letters to Professional Bureau of C regarding a debt I have had no knowledge of and never had. I asked them to validate the debt because I NEVER had ANY XXXX services. They removed the debt each time but then after a few months they put it back on the report. I few months ago I spoke to a rep at the number listed on my credit report and he acknowledged it would be removed on the next month but it was not. When I called back the agents had an attitude and said I have an attorney on the case. They say each time I called the last call I made I said I had an attorney. I never told them that because I want this removed. At one point I was almost willing to settle it to have it removed for good but they did not talk to me. I have all the letters I sent out previously asking for it to be removed and have disputed it on my credit report. I am not sure what to do because i have attempted to have them validate this debt and they did not. It is for XXXX I told the credit bureaus this was happening and that they keep taking it off and putting it back on but they seem to be of no help. How do I get this permanently removed. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I sent {$3500.00} from Coinbase a US based bitcoin exchange in XXXX XXXX to a XXXX account the was closed down accidentally. The money was then sent to a email account were I was supposed to claim the money. Unfortunately I had no idea it had been sent to it until it had passed 30 days were XXXX the sent the money back to Coinbase. This has been ongoing and started about two weeks before XX/XX/XXXX. I have called Coinbase customer support multiple times and they have told me they were working on it but it no XX/XX/XXXX and I have yet to hear back from them. So I am under the belief that this is fraud. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: JH Portfolio Debt Equities, LLC
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
JH Portfolio has refused to help me in regards to this collection account in my name and on my credit report. I have reached out to them multiple times and disputed this account many times with the credit bureaus. XXXX always just states its been verified. I have told JH numerous times that this account does not belong to me. This account was opened due to a result of identity theft. They still have not removed this account from my credit report. I have filed with the federal trade commission as a identity theft victim as well as let the major credit bureaus be aware too. I have tried sending letters to XXXX informing them that this account does not belong to me and I am not responsible for this debt because I have never opened it. They continuously say it belongs to me and its been verified but yet have never once proven how its been verified. I never received any mail regarding this account. I am attaching my credit report to review and my identity theft report. I am also including proof I sent them letters stating I was a victim of identity theft on 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 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am requesting the removal of all credit freeze and fraud alerts from my credit profile so I can conduct business as usual with my company. This credit freeze is preventing me from accessing my information to do business. I am trying to apply for a business phone line with XXXX XXXX XXXX  they can not access my credit file. My full name XXXX XXXX XXXX SS XXXX DOB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX please see attached documents and ID Please!!

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 2021-02-10
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was in Sams club and a club employee came to me asked if I was interested in receiving store rewards. She proceeded to ask what kind of card I had and she could see what additional rewards I could receive. I gave her may name and she looked up my membership and she asked that I put in my social security number. When doing so she said congratulations you have been approved. At that point I looked at the XXXX and noticed it was for a credit card. I told her that I didn't want a credit card. She said, well you were approved. I explained that I didn't want it and she said when the card comes in just cancel it. I told her to cancel the transaction and she showed me were she went back and answered NO to several questions and she stated that it should be okay. By the time I got to my vehicle I got a notice from XXXX XXXX that my credit was ran. When I got home I called Sams credit card company and they notified me that I was approved for XXXX. I requested them to cancel the card immediately. 
The Sam 's associate was very misleading and I am in the process of refinancing my home and her actions can can result in me not being able to get a loan for my home.

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 2019-10-29
Company: CITIBANK, N.A.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have tried multiple times to get XXXX XXXX to remove the account from my credit report because I no longer owe on the account and have a letter from them from back in XX/XX/2018 stating so. i need the credit bureaus to update.

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 2019-02-21
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have tried TWIC -- once in XX/XX/XXXX and once in XX/XX/XXXX -- to get my free credit reports from Equifax and XXXX. 
They send letters and I have to do a bunch of stuff in writing. 
The reasons they give -- particularly Equifax, XXXX just does not send one -- vary. Once they said I ordered one within past year. Nottrue. Last ordered in XX/XX/XXXX. I do not remember what the lastexcuse was. 

Is this a ploy to get us to PAY for credit reports? 

This is nonsense. 

I am XXXX and this is not fair. 
I MUST get to my credit reports. I have wasted months

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company is not licensed in Illinois to collect on a debt. The Illinois collection agency act ( ICAA ) requires that all debt collectors must have a license before being operational. The law also has a clause that regulates how a debt collector contacts a person and how they can communicate with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX I received a letter from this collection agency in response to a debt validation letter I sent. This letter that I received from the collection agency had my personal medical records attached. I did not sign a HIPAA form authorizing this collection agency to access my medical records. This company is also reporting these items that violate HIPAA on my credit report and I truly feel distress. Please delete this information from my credit file and cease all collection activities immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I received a letter regarding receiving UI benefits however I have not received the prepaid card that was supposed to to used for the purpose of receiving the benefits. When I tried to call the number provided for the Go Program Customer service I was placed on hold several times for over 30 minutes at a time each time I called. When the phone would finally get answered I could hear dogs barking in the background, or someone with a heavy accent with a very bad static sounding connection who just hung up after a few additional seconds and/or minutes of me saying " Hello?, Is anyone there? '' This would go on each time I called. ( I have called about 30 times. ) And I have not yet received any of my UI benefits or a UI prepaid card or a direct deposit into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
FCRA Violation: address and name not mine
XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX  
FCRA Violation: credit card never late
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation: auto loan not mine
XXXX XXXX XXXX  
FCRA Violation: collection not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA  Violation: hard enquiries not mine
XXXX XXXX XXXX XXXX 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 2023-08-27
Company: I.C. System, Inc.
State: AL
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:
Reporting negative information to the three credit bureau

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 2021-11-01
Company: Experian Information Solutions Inc.
State: NV
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 have some negative reporting on my report from credit cards. But now the collection agencys have also placed negative information on report also! So for every card there is double negative reporting! Im being double slammed on everything! Its like reporting it twice! There are 4 derogatory credit card items but there is also 4 derogatory collection reports for same item!! How can they negatively report twice for same accounts?? Its ridiculous!

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 2020-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
1. XXXX XXXX XXXX XXXX. I have not received any updates or request of more info. When I have saw the charge in XXXX I have called and rude rep said that there is nothing to do. NO ONE EXPLAINED anything. also I have explained that XXXX XXXX   demanded payment for holding truck hostage they made us sign the blank invoice. They just did not let our truck go before we pay them. So they did not provide the service and just demanded the money. I had prove that we had to fix the truck in other show. But looks like Capital one supports this fraudulent activity and did everything by not providing me ability to explain the situation more if they needed. Just waited the time and charged back. 
2. XXXX again same story. NO LETTER WAS SENT TO ME!!!!!!!!! the same thing as with XXXX XXXX XXXX XXXX  Capital one did everything do not provide the ability to respond. I HAVE NOT RECEIVE ANY MAIL, EMAIL, OR CALL. THERE IS NO OPTION TO CHECK THE CLAIM STATUS ONLINE. 
3. XXXX there is no credit posted as of today XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: EQUIFAX, INC.
State: PA
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:
My name XXXX XXXX. I did not authorize these accounts. These accounts are fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: National Credit Systems,Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed that you are reporting inaccurate data - such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULTIPLE MONTHS IN A ROW WHEN AN ACCOUNT CAN ONLY GO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECTION EACH MONTH ... YOU HAVE REPORTED THESE ACCOUNT INACCURATELY LONG ENOUGH.. .REAGING OF AN ACCOUNT IS A MISREPRESENTAION OF MY CREDIT HISTOR-Y ... XXXX so DELETE THESE ACCOUNTS NOW!!!! PLEASE!!!!! I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit worthy people by reporting erroneous false information. Under the FCRA, the following applies to me 2011 Louisiana Laws Civil Code CC 3494 Actions subject to a three-year prescription Universal Citation : LA Civ Code 3494 SECTION 2. THREE YEAR PRESCRIPTION Art. 3494. Actions subject to a three-year prescription The following actions are subject to a liberative prescription of three years : ( 1 ) An action for the recovery of compensation for services rendered, including payment of salaries, wages, commissions, tuition fees, professional fees, fees and emoluments of public officials, freight, passage, money, lodging, and board ; ( 2 ) An action for arrearages of rent and annuities ; ( 3 ) An action on money lent ; ( 4 ) An action on an open account ; and ( 5 ) An action to recover underpayments or overpayments of royalties from the production of minerals,  provided that nothing herein applies to any payments, rent, or royalties derived from state-owned properties. 
Acts 1986, No. 1031, 1. 

civil code sec. 2 art. 3494 Louisiana Also I would like to state you keep deleting accounts and then the creditors add them back to my credit and re age debts that are in fact 3 + years older and also none of the creditors are registered in the state of Louisiana. I have provided proof were accounts have been deleted and creditors are illegally adding accounts back as new accounts. I have also provided proof that you are reporting accounts open that have been charged off and in my state prescription which is only allowed there Years ... do whats right and delete these accounts as you are reporting false documents!!! 
The following accounts listed on my transunion as follows National credit systems- I havent lived in XXXX Arizona , they cant provide proof of a lease or a drivers license with my signature. Over 3 years old per my state that I have lived in for 5 years ( Louisiana ) I have contacted this creditor no response I disputed with credit bureaus 3 separate Times to validate these debts which they found and deleted and some home this account is on my credit again for the 4th time with a different age date. No contract

Company response to consumer: Closed with explanation