BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-02
Company: Experian Information Solutions Inc.
State: CA
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 Bankruptcy XXXX XXXX XXXX Bankruptcy 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 2019-09-20
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I recently received a modification with the 3 trial payments. I've made the 3 trial modification payments and the mortgage servicer still has my property set for property foreclosure. The Property foreclosure sale date is set for XX/XX/2019, why is the mortgage company trying to foreclose on my home when I've made the 3 trial payments and I'm making the first mortgage payment. I have not received my permanent modification agreement as of yet. 

I need Help!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
My previous complaint number was XXXX ( with current servicer XXXX XXXX ). however I was advised that I need to go back to XXXX  XXXX XXXX since my loan was transferred from them. I did receive the pay history and it does not match up and they still can not provide my payments from XX/XX/XXXX, to XX/XX/XXXX. I do not know what else to do to get this resolved. Please see the attached documents Loan Number : XXXX Original Lender : XXXX  XXXX XXXX : XXXX  XXXX XXXX XXXX XXXX  This complaint is against XXXX  XXXX XXXX XXXX XXXX a subsidiary of XXXX  XXXX XXXX XXXX for deceptive practices on my loan modification and mortgage payments. I was told by XXXX XXXX XXXX and The Consumer Protection Bureau to file a complaint against XXXX  XXXX XXXX. The series of events are as follows : 1 ) XXXX XXXX XXXX boarded my loan from XXXX XXXX XXXX XXXX and can not account for payments from XXXX to XXXX. I am disputing an increased loan balance of over {$96000.00} and all the balloon payments. 





The loan modification I signed was out of desperation. This complaint falls under the same scrupulous investigation and determination by the US Department of Justice against XXXX  XXXX XXXX XXXX involving minorities and XXXX. XX/XX/XXXX, XXXX  XXXX XXXX settled the complaint by the US Department of Justice for {$16.00} XXXX dollars. I am requesting an investigation into my loan balance. I do not owe the balance reflected by 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 2021-03-06
Company: EQUIFAX, INC.
State: CA
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:
Ive disputed this account before and yet it keeps coming back as meets FCRA standards but Ive provided numerous violations that XXXX XXXX has committed. Ive sent over to them numerous request for validation and theyve never responded. This has been disputed before but yet in the comment section they are supposed to mark this account as Consumer Disputes per the FCRA and which they did not and is a violation. This account has inconsistencies across all 3 credit bureaus for which XXXX  has removed it because of the inaccuracies and violations. This account even shows a {$0.00} for the high balance but yet it went to collections. This account also was submitted on XX/XX/XXXX for dispute which it has been over the 30 day mark even so the 45 day mark. As well as XXXX  this account is not marked that this account has/was disputed which is a violation and the date of last activity both differ from the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
My previous complaint number was XXXX ( with current servicer XXXX XXXX ). however I was advised that I need to go back to XXXX  XXXX XXXX since my loan was transferred from them. I did receive the pay history and it does not match up and they still can not provide my payments from XX/XX/XXXX, to XX/XX/XXXX. I do not know what else to do to get this resolved. Please see the attached documents Loan Number : XXXX Original Lender : XXXX  XXXX XXXX : XXXX  XXXX XXXX XXXX XXXX  This complaint is against XXXX  XXXX XXXX XXXX XXXX a subsidiary of XXXX  XXXX XXXX XXXX for deceptive practices on my loan modification and mortgage payments. I was told by XXXX XXXX XXXX and The Consumer Protection Bureau to file a complaint against XXXX  XXXX XXXX. The series of events are as follows : 1 ) XXXX XXXX XXXX boarded my loan from XXXX  XXXX XXXX XXXX and can not account for payments from XXXX to XXXX. I am disputing an increased loan balance of over {$96000.00} and all the balloon payments. 





The loan modification I signed was out of desperation. This complaint falls under the same scrupulous investigation and determination by the US Department of Justice against XXXX  XXXX XXXX XXXX involving minorities and XXXX. XX/XX/XXXX, XXXX  XXXX XXXX settled the complaint by the US Department of Justice for {$16.00} XXXX dollars. I am requesting an investigation into my loan balance. I do not owe the balance reflected by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: CITIBANK, N.A.
State: OH
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: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/XXXX when there were fraudulent charges put onto 2 of my credit cards. They closed both of these cards, sent me new cards and told me they were going to dispute the fraudulent charges on both of these cards. Because of the fraudulent charges, they did a Security Closure on both of these cards in XX/XX/XXXX. For CC ending in # XXXX, I was never liable/accountable for these charges/fees in XX/XX/XXXX since they were fraudulent ( XXXX charges ), but it shows that I was past due on this account in XX/XX/XXXX and is affecting my credit score at all 3 bureaus. In XX/XX/XXXX, all Late Fees and Charges on the card were credited and a note was added on the statement that it was due to fraudulent charges. Im not sure why it took 3 months to fully dispute and reverse the fraudulent charges off of the card, but due to this long tailed process, it makes it look like we were late on a credit card payment that we were never liable for paying in the first place. I have attached the appropriate documentation for your reference here : 1 ) XX/XX/XXXX Citi Statement Security Closure of Credit Card due to fraudulent charges 2 ) XX/XX/XXXX Citi Statement Late Fees and Interest Charges Credited due to fraudulent charges ( 3 months late, thus resulting in what looks like late payments ) 3 )  XXXX Credit Report XX/XX/XXXX 4 ) XXXX  Credit Report XX/XX/XXXX XXXX ) XXXX Credit Report XX/XX/XXXX As you will see in my credit reports, and from your own files, I am never late in making payments for any of my accounts. We are very responsible with paying our bills on time and try our best to be a good consumer when it comes to finances. We are currently in the process of trying to buy a home, so this is the worst possible time for this to be happening and for it to be affecting our credit score with all 3 credit bureaus. I would like to have your assistance in resolving this matter to appropriately reflect in your records and systems that we were not 30 days past due in paying on this account and to ensure that the adverse account in question is fixed on all 3 my credit reports, XXXX, XXXX & XXXX. 

I have sent information to CitiCard now in XXXX, XXXX, XXXX, and XXXX of XXXX to ask them to investigate and resolve this issue. My last request in XXXX was a good faith letter, asking them to remove the 30 day late charge for the fraudulent charge and that also was not accepted. 

I greatly appreciate your help.

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 2023-02-02
Company: Experian Information Solutions Inc.
State: FL
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:
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 reports no consent is 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 non-monetary relief
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: NC
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 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

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 2022-08-11
Company: Atlanticus Services Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have a card with XXXX XXXX, I am having some financial hardships at this time, due decrease in income, however I am still committed to resolving my debt. I recently made a payment to bring my account current, however my account was closed by the the creditor in XXXX due to my delinquency. I have made payments on my account ( See Pay History attached ) and they still chose to close my account. Now that my account is current, I spoke with customer service who stated that they will not re-open the account. I ask regarding the settlement of the balance, since the closed my account will I be charged interest, and the customer service told me yes. 

I feel that interest on a closed account is financial XXXX. I didn't close the account, they did. While I will resolve the balance, I do not agree with being charged interest on a closed account. I am seeking assistance to settle this matter, because it is wrong. I was also told by the collection department that once my account was current they would wave the late fees. 

I really feel like this is double jeopardy and unfair to me as a consumer. I have maid faif

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
I have not initiated any transaction with CBNA. Further, I do not have an " account '' as defined under 15 U.S.C 1693a ( 2 ) with CBNA for review or collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Annual re-certification of income for Income-Driven Repayment ( IDR ) plan. This happened in XXXX and is happening again ( XXXX-XX/XX/XXXX ). IDR application submitted, with direct guidance from FedLoan ( we have notes of employees, employee numbers ) as they walked us through how to fill out the application so we did not experience XXXX again - which was they denied IDR, moved our monthly payment to {$1000.00} due to some box being checked " incorrectly '' but as guided by their employee. In XXXX, they also ( after many many calls ) assured us they would expedite the application and not run the {$1000.00} payment. They processed the {$1000.00} payment, and we had to go to our bank to cancel after being assured it would not be processed. 

Back to XXXX, same thing all over again. We deliberately call FedLoan to assure we do application correctly to avoid XXXX situation. Then they deny application, again after following each of their steps they directed, We talk to them and the most recent rep walks us how to fix the wrong application ( again which they directed us to do ). Now after months of sitting there, and they wait until the deadline for annual re-certification and say the {$1000.00} payment is due since the applications were denied. 

Again, it is a long history but the main idea is that we get different answers from different FedLoan reps - each assuring us it will all be fixed, expedited, application is correct, etc, etc but the end result is utter failure to honestly and consistently service my loan and work towards PSLF program. The emotional stress and actual time on phone is so intense and just is not right that a company can do that to people. I can't imagine the people who don't have a partner ( like my wife ) who as a XXXX veteran is home to deal with this company. Please, please help us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-06
Company: TRANSWORLD SYSTEMS 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: Was not notified of investigation status or results

Complaint:
I was affected by the XXXX  data breach and my identity was stolen. I went through the proper procedures and filed an FTC report with the Federal Trade Commission and I have also filed an identity theft affidavit. Unfortunately, I was not informed of the investigation results and I was not supplied any supporting proof documentation. 

I was not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore ny such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Franklin Collection Service, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Id like to dispute Franklin Credit Services charge for {$330.00}. This is an account that has been in dispute with XXXX XXXX XXXX ( acct : XXXX ) and is due to identity theft. XXXX XXXX XXXX concluded an investigation with incomplete information and reinstated collections. I am attempting to reopen the dispute with XXXX XXXX XXXX but theyre being uncooperative. 

The police report on the identity theft is : XXXX XXXX Metro Police - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
On Sunday morning between hours of XXXX-XXXX MCM called my home phone three times within this timeframe. I was in the shower so a third party in my household answered the phone and processed to speak with someone by the name of XXXX who later states his name is actually XXXX then XXXX. Giving false information. The third party continued speaking with XXXX who eventually gave phone call to his supervisor XXXX then later said his name was XXXX. Both these individual gave out my debt account information to the third party. Both gave the third party the amount of my debt, the amount to payoff my debt. I did not authorize or give permission to MCM to speak with the third party. I feel they violated my privacy and consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
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: Information belongs to someone else

Complaint:
XXXX XXXX is being reported on my XXXX, XXXX, and Equifax credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX is being reported on my XXXX, Transunion, and XXXX credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.

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 2021-03-06
Company: ERC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
on XX/XX/XXXX I received a call from Enhanced Recovery Company, informing me I have a collections balance of {$630.00} from an original creditor XXXXXXXX XXXX XXXXXXXX I notified them I never had any accounts with such a company and I have no outstanding balances. They were no help to me in resolving this issue. Upon checking my credit report immediately after this phone call, I saw that this derogatory remark was indeed on my report. It showed that this Account was open on XX/XX/XXXX. I did not open this account or request any services from this creditor. I do not know how they obtained any of my information and or added any balances to my credit report. Please help me remove this fraudulent account off my report as soon as possible because it is degrading my credit score and my financial credibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
After two failed attempts to make payments to my property management companies. Citibank blocked my checking account on XX/XX/XXXX and refuse to unlock or state any reasons. I tried calling the support as well as visit the local branch for assistance, and yet unable to get a clear explanation why my account is blocked. I was only advised I will be receiving a letter in the mail within a few days.

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