BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-07
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Diversified Consultants has reported a collection on my credit report. The collection was previously reported on my credit report by a company called XXXX XXXX. I reported this account to the XXXX County Sheriffs office and filed a police report. 

I provided the police report to XXXX XXXX and the credit bureaus and the account was removed from my credit report. Diversified Consultants has never contacted me, or sent me the required documentation according to the law and they are in violation of the FCRA and the FDCPA for reporting this fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I noticed false information on my credit report and would like them removed because it is affecting my life traumatically! I did not authorize nor consent any of these false actions affecting my score.

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 2023-03-08
Company: Experian Information Solutions Inc.
State: FL
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report. Please don't ignore my request to correct the following : 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 XXXXXXXX

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 2020-10-09
Company: Chime Financial Inc
State: MD
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
As a result of identity theft, someone fraudulently opened a Chime account in my name. I received the card in the mail along with information for activating it. I informed Chime that the account was opened fraudulently as a result of identity theft and they blocked the card from being used but refused to close the account. They do everything by unencrypted email, which is completely insecure, and refuse to speak on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
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: Information belongs to someone else

Complaint:
I noticed false information on my credit report and would like them removed because it is affecting my life traumatically! I did not authorize nor consent any of these false actions affecting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: Fidelity National Information Services, Inc. (FNIS)
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
My mother purchased a money order with cash on XX/XX/XXXX from XXXX at XXXX in XXXX, Wisconsin. I took the money order to XXXX in XXXX XXXX XXXX, IA on XX/XX/XXXX to cash. To my deep embarrassment, the customer service staff in the XXXX XXXX XXXX, XXXX were unable to cash the money order. Instead they printed a slip containing the telephone number to a company called XXXX. I phoned the number provided immediately, entered the information as requested before having the automated system say that the information does not match due to reason code number 2. I thought maybe I entered the information incorrectly since it didn't match and tried to cash the money order again. The check was declined a second time and a third time with the same responses. After attempting no less than 7 times to cash the money order I gave up and headed home without the much needed groceries. I called my mom when I got into the parking lot trying to understand why a money order paid for in cash could or would be declined. I asked if by chance she used her SSN when purchasing the money order instead of mine, but she said she didn't recall providing one. 

After trying desperately to come up with some reason why this was happening I concluded that the XXXX staff must have done something wrong. I opted to go to the XXXX in XXXX, IA on XX/XX/XXXX in the hopes that the mistake would be corrected with new staff trying. I spent no less than 2 hours working with the XXXX, IA XXXX staff that included the store manager trying to cash the money order. The staff was able to validate that the check was good and the information I provided ( which included my drivers license and SSN ) matched what was listed on the money order. I was even able to provide an image of the receipt of purchase that my mom texted to me at my request. 

I sit here with no money and not enough food for my family. 

Some background - I've never bounced a check because I've never written one. I got a bank account for the first time ever just 4 months ago. I have never had a credit card, car loan or installments. So there is no fricking way in XXXX that this is legit. I have been embarrassed and I am absolutely furious that I do not have access to the money that was validated in their own system.

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 2022-08-11
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/22 XXXX requested and sent the authorization to transfer funds from my two PNC IRA 's  to my two XXXX IRAS. For two weeks nothing happened. I called PNC and they said they needed an overnight number. I called XXXX and they send an E-mail to PNC with appropriate address. This was on XX/XX/XXXX ( PNC case # XXXX ). No one from PNC contacted me about the problem until after my call I got a letter from XXXX XXXX at PNC asking for physical overnight mailing. I waited another 10 days after XXXX sent the address and still no transfer, so I called PNC again and they said they had not recieved the overnight address. So I Iooked PNC 's address up and called PNC, but they said they could not take the address from me. I asked if PNC rep would make a single call to XXXX. NO! So on XXXX XXXXXX/XX/XXXX XXXX called for me. PNC denied having ever gotten the address, and they denied getting the transfer on the Roth IRA, even though it was sent along with the request for transfer of the regular IRAXXXX  PNC again would not let the XXXX guy give them the address with out me. Today : still no funds have arrived. PNC puts up on barrier after another to stall or discourage the transfer of funds. I figure I have lost around {$450.00} from this delay because the money was being moved form a .03 % account to a 3.45 %  account at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX I received a letter stating from Santander bank that I had a escrow shortage of {$450.00}. On XX/XX/XXXX I wrote a letter to Santander bank reminding them that every month I sent an additional money to be added to my escrow account. I further inquired in the letter if the shortage was represented of these additional funds which would have been at the very least {$300.00}. 
On XX/XX/XXXX I wrote another email that I was still waiting for a reply regarding the addiotional escrow money I submitted every month and whether it was applied to the stated escrow shortage. I asked Santander when can I expect an answer. I received another standardized email from Santander that they would process my request as soon as possible and within the timeframe of the law. 
On XX/XX/XXXX I sent another email to Santander asking when do they propose to be able to answer this inquiry and what is the timeframe of the law? 
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I received postal letters from Santander regarding my referenced inquiry. There response was " We will make every effort to provide a response to your inquiry as promptly as possible. In any event, we will do so within the time limit required by law. 
As of now they I have still not answered my simple question.

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: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I was contacting two days ago by some type of debt collector law firm and they're claiming to be some type of law firm for some type of payday loan company that's stating that I received a loan in the amount I think it said {$850.00} from them and that I never made a payment on it I have never gotten a loan in my life I do not have any credit whatsoever nobody would give me a loan if I tried but this is a payday loan and payday loans are illegal and North Carolina the state I live in so it's not even a possibility that I could have ever gotten this loan I had applied for some loans a few months back online none of them worked out I was not approved for any of them approved for any of them and this debt collector is very rude and I have told them the situation that I do not know what they're talking about I don't even know who this company is at the speaking of some kind of cash advance company and he is stating that I have got assigned contract with these people which I do not and he is threatening me on a daily basis over this and I want this taken care of I want my name taken off of whatever it is that they've got it on here is a quite from the email of who they say they are representing. 
Note : This notice is provided to you on behalf of ACE Ace Cash Express. And its parent company, and their respective family of companies including XXXX XXXX, its parent company, XXXX XXXX XXXX XXXX XXXX, and all of their respective subsidiaries and affiliates ... ... here is the email in which I am being contacted from ... XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
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: Their investigation did not fix an error on your report

Complaint:
I have submitted an FTC ID THEFT and Police report to EQUIFAX multiple times and they are will not remove the fraudulent account. The XXXX XXXX account is a fraudulent account that I never had and they are fraudulent company submitting falsified documents under my name. Equifax is continuing to report fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was making payments to the mortgage company but due to an unforeseen decrease in income ( DUE TO COVID ) and ( REDUCED HOURS ) payments were not able to be made going forward. Tried to contact the company to set up a payment plan and Requests Mortgage Assistance ( 3 times ). Requests were denied. The did not allow me an opportunity to submit a loan modification/meditation modification to save my home.I I have resided in this home with my family since XXXX and would like to remedy and remain in my home with my family. The bank is forcing me to sell my home and is not giving me the opportunity to try and retain ownership of my home. My sale date is XX/XX/XXXX which is ample time for me to be able to submit a loan mediation package. 

I was also never given an opportunity to submit a loss mitigation packet. 

I kindly consider if you would please assist me and aid me in retaining ownership of my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: SLM CORPORATION
State: NE
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This is my second complaint. Sallie Mae is ridiculous. 

I spoke to a rep named XXXX who could not reach my account manager. I have never actually spoken to the account manager supposedly dealing with my account. Never, and the last 4 reps tried to contact her. 

XXXX after listening to my questions said that yes I was given incorrect information multiples times regarding my loan and apologized on behalf of his coworkers. 

I was transferred to another rep, I could not catch his name, but we spoke for an hour. 

He offered me a TRMP plan where for 2 years I have a 2 % interest rate and payments are automatically debited from my account. I hated releasing my banking info because knowing them they will pull when they want and act like they haven't, but after 7 months of fighting this is all they offer. My cosigner is long gone, so it is just me and I have no options. 

The rep stated that I MUST pay {$240.00} on the same day, the XXXX, to keep a delinquency report from happening. So I did, leaving me with less than {$40.00} for the next week and a half. I have been eating 1 meal every 3 days because of this. 

Amazingly enough I was notified that my credit was hit by Sallie Mae for missing my payment, 3 days after it went through. 

They are unbelievable liars and scammers. They do not care about the wellbeing of their borrowers and say whatever they can to get you off the phone fastest. 

It has been well over 15 days and they still have not replied to my first complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Someone hacked my account, chase then closed my account. They told me I could come in and get my funds, I came in 15 minutes later and they said my account had suddenly closed, then they said a check was generated on Tuesday and Id have it by Friday, I called Friday when it didnt arrive and they told me the check had been generated but not sent out, I then called back again and talked to a supervisor who told me that I had been lied to and check had not even been generated yet and that they didnt know when it would. This is now at 10 business days and the amount is XXXX. I have a family of 6 and started a new job I have no money for 2 more weeks because of a check being held. Im late on rent, utililities and cant even afford groceries for my kids

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
These people were contacted by me as well as XXXX they had no information also told me this debt was well over 7 years old I am the victim of if theft this is fraud and they said they were disputing it over 60 days ago yet nothing has happened I even mailed them a is theft affidavit they still try to collect fraudulent account money 's

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: EQUIFAX, INC.
State: LA
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 contacted equifax on incorrect reporting with my credit report, as to my prevail I followed the steps and chains for having the hard inquiries on my credit report removed. I have only two that I ran my credit with. The  companies that had my permission to run my credit is XXXX XXXX and XXXX XXXX XXXX. I have reached out on numerous occasions and no help. This is hurting my credit bad and Equifax fails to properly investigate these matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Earnest Inc.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I recently refinanced my student loans from the loan servicer, XXXX to a student loan refinancing company called XXXX. There was a credit in the amount of {$780.00}. This amount has not been applied to my balance with XXXX or me directly. I contacted both companies, XXXX and XXXX. I am not to obtain a status on the balance. 

I am also accruing interest against higher balance than I should. I am requesting the assistance of the Consumer Financial Protection Bureau to assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have letters from the 2 judges on two bankruptcy cases that were decisioned stating that the bankruptcies were filed under my name fraudulently and the credit agencies ( XXXX, XXXX, Equifax ) continue to report 1 of the two on my credit report. I have sent them copies of the judges decision and that it was fraud but it remains on my report. The Decisions were made on the following dates : XX/XX/2021 XXXX XXXX XXXX decisioned my case and I sent a copy of the letter within the next month to all 3 credit agencies and it was removed. On XX/XX/2021, XXXX XXXX XXXX decisioned my case and also stated that it was fraud that should be removed. I sent a copy of the letter and the credit agencys refused to remove it from my credit report, thus affecting my credit score and my ability to buy my first home. At this point, I feel helpless and I really need some assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: BTH Management
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Plaza Services is currently adversely reporting on my XXXX credit report. According to the correspondence received from them the original creditor is XXXX XXXX XXXX. I do not know this company nor how I could possibly owe them money. I do my business at the bank as I have for many, many years. I have asked them twice to validate the debt by showing proof of how I owe it. And a contract with my signature among other information that would help me validate the date. Each time they send me a new bill with my name and an amount stating they purchased the {$310.00} debt from XXXX XXXX XXXX. I can not keep going round and round with them to no avail. 

I have also requested information from XXXX asking what methods they used to validate that the debt is actually mine before negatively reporting it. In response, I get a generic " verified '' and that is just not sufficient. I have no problem paying debts I owe. But I can not and will not just have someone mail me something and say in essence, " pay this '' and I just do it. My personal finances are not set up that way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX Shellpoint Mortage Servicing Loan # XXXX XX/XX/2020 received Annual Escrow Assessment Statement that indicated shortage of {$290.00}, that statement included a coupon specifically to pay this shortage in full in order to keep my monthly payment at {$540.00}. I used that coupon and remitted {$300.00} on XX/XX/2020. 

They acknowledge receipt on XX/XX/2020, but billed {$560.00} for XX/XX/2020 I have asked that that fee be removed several time but they keep saying they are " looking into this complicated matter '' XX/XX/2020 correspondence saying " your current payment amount is {$540.00} '' XX/XX/2020 corrrespondence now says although they credited my Escrow Shortage payment XX/XX/2020 they " can take up to 2 billing cycles to " re-analyse '' and in the meantime they expect payment of {$560.00}!

Nowhere on the original communication does it indicate that paying the Escrow Shortage ( clearly to maintain lower mortgage amount ) with their coupon, by their imposed due date, is giving them funds to hold for 2 billing cycles to " re-analyse ''. Allowing them to charge unearned " Fees/Charges '' Please see attached

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
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: Account status incorrect

Complaint:
I noticed this account was reporting differently between the Credit bureaus and posted inaccurate late payments from 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