BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-14
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I had 2 accounts with this company. I requested to have both accounts closed on XX/XX/2021, however, the company only closed one account while the other remained open. With the company sleeping one account opened, they incorrectly reported a 30-day delinquency on my report. I have called the company and was told that they would send an update to all 3 credit bureaus to update the account as closed and with no delinquencies. 

The company reported the accounts as closed, however, the delinquency remains on my report and this delinquency is preventing me from maintaining my home loan preapproval and I need it corrected IMMEDIATELY.

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 2021-05-14
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:
during XX/XX/2021 i noticed that i identity has been stolen in fraud and used fraudulently to seek treatment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
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:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 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 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 2023-04-06
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Sun rise creditor keep calling every day about a XXXX  account I told them I dont know nothing about they call me from multiple numbers about a debt from 2021 I think the amount is XXXX or XXXX dollars Im not sure I have no contact with them and I will like for them prove a contract and there threatening me if I dont pay they will put it 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 2021-09-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern : My mortgage company keeps delaying my loan modification review. I have an FHA loan and it shouldn't be taking this long for them to help save my home! They advised it is going to take them another 15 weeks before they have an answer. What if my home gets a foreclosure sale date. I am not protected anymore by the foreclosure moratorium that was lifted recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: NC
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 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 2020-12-08
Company: LD Holdings Group, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I will start with the closing process. Although this entire refinance experience has been a nightmare since THEY reached out to me to refinance. 

On XX/XX/XXXX, I went to closing. A notary came to my home at XXXX XXXX. ( because LoanDepot messed up my closing for the day before ). While signing the documents, I realized the amount due to me was incorrect. I immediately called a manager ( XXXX XXXX XXXX that I had been dealing with ( because my loan officer had already dropped the ball numerous times ) and he assured me, that if I gave the notary a voided check, that after my 3 day wait period, the funds would be in my account. 

My refinance should have funded at the very latest on XX/XX/XXXX ( due to the holiday ). Since I had not heard anything, I called my loan officer XXXX XXXX on XX/XX/XXXX and I called XXXX XXXX 's manager, XXXX XXXX and left him a message on his cell phone. I spoke with XXXX XXXX on XX/XX/XXXX, who told me she had been out of the office due to the holiday and assured me she would call me back that day. 

I called HER back on XX/XX/XXXX and she stated it was the title company holding this up because of my name change and divorce. She would have someone call me from the title company. On the same day, XX/XX/XXXX a XXXX XXXX called me from Closing USA and informed me they had a question for XXXX due to my name change/divorce. I explained to him that when my divorce was final, I went back to my previous name, which I sent XXXX XXXX all of the legal court documents ( divorce papers/name change on XX/XX/XXXX and XX/XX/XXXX in an email ( which I have ). I told him like I told her in XXXX, there was NO property settlement agreement which the decree states. I also told him, if they still had an issue, I should have never been allowed to close. I told him XXXX has these documents. He apologized numerous times and stated he would reach out to XXXX and would get it done asap, as they did not want to hold this up for me any longer. 

On XX/XX/XXXX, I called XXXX XXXX at Closing USA, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX 's manager who I called in the past and she has never returned any calls ), XXXX XXXX XXXX Director of the refinance department ) a Mr. XXXX XXXX XXXX 's boss ) and XXXX XXXX. ALL of which have not returned any of my calls. 

I emailed all of them this morning XX/XX/XXXX. No response yet ... 

There should be something done with their lack of response. As stated my loan still has not funded ... way past the 3 day waiting period. Please let me know what can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: ENCORE CAPITAL GROUP 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: Investigation took more than 30 days

Complaint:
I have 2 accounts with midland funding and sent them a form stating as a debtor under the fair credit reporting act they are suppose to provide me with a copy of the original creditor consumer contract that they are suppose to have on file within 30 days of me asking them to provide it for me or to be removed of my account and they haven't done so

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
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: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing XXXX days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-10
Company: EQUIFAX, INC.
State: OH
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 the second time I have sent a complaint to XXXX over account that I didnt recognize. Please delete these two accounts XXXX XXXX XXXX, XXXX XXXX XXXX. I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX. I WILL BE FILING A REPORT WITH FTC AS WELL

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: BARCLAYS BANK DELAWARE
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: Account information incorrect

Complaint:
This account was charged off in 2016 and was just recently reported on my credit. This account is closed and needs to be removed off of my credit from all three bureaus immediately. The amounts are changing & this creditor is applying balances when an account is closed. Please advise

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 2018-07-27
Company: Diversified Consultants, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently ran my credit report on notice that I owed some money through XXXX XXXX that was being handled by a company called Diversified Consultant. Apparently this bill was for service that I had when I was in Indiana and was not aware because of not receiving any information and relocating to another State. On XX/XX/XXXX, I mentioned this to Diversified and asked if I pay it off can I have it deleted from my credit report. They said all they could do is show it was paid in full. I paid the amount due and requested an email as well as letter stating that this bill has been paid which I have still not received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: OneMain Finance Corporation
State: SC
Product: Credit reporting 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:
These hard inquires were done on my credit reports without my authority. 
XXXX XXXX XXXX XXXX ONEMAIN XXXX ONEMAIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: MD
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2021-05-14
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX has violated the Fair Debt Collection Practices Act ( FDCPA ) by XXXX XXXX XXXX XXXX XXXX XXXX falsely claim or imply that they were government representatives Using or sending a written communication that looks like or is falsely represented to be an official document from a court or government agency Using any company name other than the true name of the debt collectors company XXXX XXXX pretended to be a government representative and sent a falsely represented official document from a court or government agency and did not at one time say that she work for XXXX through the written communication. 
They sent the attached wage order document to my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: EQUIFAX, INC.
State: VA
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'm filling a complaint for not upholding the law for not responding to my 30 day to respond letter due to identity fraud with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank 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 2021-01-25
Company: Williams & Fudge, Inc
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
WILLIAMS AND FUDGE INC has been calling me multiple times per day regarding a past due to tuition amount from XXXX University. This past due amount was previously paid for via my federal student loans. 

I have already paid back the balance still due for tuition directly to XXXX University. This company should not be contacting me at all nor placing a collection on my credit report. 

I have not received any notification in writing from this company stating I owe the amount of {$1600.00} as stated on my XXXX credit report. This means I am not able to dispute this debt nor am I able to assert my rights. 

I do not wish to be contacted 10x a day via phone as like many people during this pandemic I am working from home and consider these calls to be the same as contacting me at my place of work and disturbing my ability to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XXXX I had multiple business accounts with Wells Fargo and had on average overdraft fees of $ XXXX {$400.00} per month

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 2020-12-08
Company: Utah System of Higher Education
State: NJ
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:
Something very suspicious is occurring and I urge you to please read this statement in its entirety because I suspect attempts at discrete impropriety from these companies that explain why I currently have no ability to see my balance, see my payment history or even attempt to pay any part of my loans. 

On XXXX XXXX, 2020, at XXXX XXXX I received an email from my original loan servicer, Cornerstone Education Loan Services ( Uheaa ). The email stated that my loan servicer would be changing to XXXX XXXX around XXXX XXXX, 2020 and it provided modestly detailed information with respect to how the transition would unfold. 
Note : At that point, my loan information, including principal balance, interest, and payment history were all still accessible on the Cornerstone website platform, i.e., my Cornerstone account. 

The email clearly states, " XXXX XXXX will contact you after your federal student loan account has been transferred and loaded to its system. '' It is now XXXX XXXX, 2020, and I have not been contacted by XXXX XXXX. 

Curious about the state of my transfer I logged back into my Cornerstone account to see if there had been any update or if my account reflected the initiation of this transfer in any way. Strangely, while my account still exists, it is entirely void of information with respect to my loans and payment history, which is highly concerning. 

I have not been contacted by XXXX XXXX, I have not received a welcome letter with account information, and I have not received my new federal student loan account number as referenced in the email provided by Cornerstone. 

Note : As of today, should I want to go online and pay part of my principal or interest, I would be unable to do so as my account is somehow in limbo. Should I need to check my payment history or share loan information/history with my university as I prepare to register for this next semester, I would be unable to do so. Now, imagine that this current state of affairs continues through XXXX and the moratorium of interest ends, my loans will technically start accruing interest without me being able to pay them. The aforementioned limbo status of my account prevents me from paying any of the principal or already accrued interest before the end of the moratorium. Come XX/XX/XXXX, I will be paying more interest than planned because I am unable to apply anything to the principal in the meantime. This seems unethical to me, and I would think that this violates my rights on multiple levels. Shouldn't this be illegal? I have no accessible information regarding my student loan payments, no proof of my billing history, and I have no way to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: Experian Information Solutions Inc.
State: IL
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 challenged the incorrect information with XXXX  account where you have clearly violated the law, and have put on my credit report three different high credit on the account that is closed. I want it deleted from my credit report. 
XXXX  is stating the high credit is {$990.00}. 
Experian is stating the high credit is {$0.00}. 
XXXX  stated the high credit is {$700.00}. 
No company is telling the truth about the high credit limit.

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 2015-09-16
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
" Midland Credit '' keeps calling several times per day asking for someone who has never been at this number ( it has been my family number for XXXX years ). Even after telling them this and them promising to " update their records '', the calls resume shortly thereafter ( or never stopped in the first place ). Here are some examples : Date Time Ext CO Dial Number Ring Duration Acc code CD XXXX XXXX/XXXX/15 XXXX XXXX & lt ; I & gt ; XXXX XXXX Servic XXXX XXXX XXXX XXXX & lt ; I & gt ; XXXX XXXX Servic XXXX XXXX XXXX XXXX & lt ; I & gt ; XXXX XXXX Servic XXXX XXXX XXXX XXXX XXXX lt ; I & gt ; XXXX XXXX Servic XXXX XXXX XXXX XXXX & lt XXXX I & gt ; XXXX XXXX Servic XXXX XXXX XXXX XXXX & lt ; I XXXX gt ; XXXX XXXX Servic XXXX XXXX XXXX XXXX & lt ; I & gt XXXX XXXX XXXX Servic XXXX XXXX XXXX XXXX & lt ; I & gt ; XXXX XXXX Servic XXXX XXXX XXXX XXXX & lt ; I & gt ; XXXX XXXX Servic XXXX XXXX XXXX XXXX & lt ; I & gt ; XXXX XXXX Servic XXXX XXXX XXXX XXXX & lt ; I & gt ; XXXX XXXX Servic XXXX XXXX XXXX XXXX XXXX lt ; I & gt ; XXXX XXXX Servic XXXX NA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-03
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them .I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently and my customer are really upset about that. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation