BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-26
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: Information belongs to someone else

Complaint:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: FCI Lender Services Inc.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
FCI Lender Services tricked me into paying a time barred debt that was ten years old. I do not want to continue paying these scam artists any more. I have paid them about $ XXXX since 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 2020-10-09
Company: Experian Information Solutions Inc.
State: GA
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 filled a dispute with XXXX in XXXX and I haven't received anything from them. They sent me a letter saying they couldn't verify my Identity even though I sent in documentation verifying my ID and my ssn but I was referred to their website to create a paid account to verify my Identity. They refuse to acknowledge my disputes over phone unless I pay for one their products

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 2020-04-17
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
On XX/XX/2020, The Internal Revenue Service deposited funds from the Covid 19 stimulus payments in the amount of {$2200.00} via direct deposit onto my XXXX XXXX  XXXX American Express card ( The last 8 numbers on the card- # XXXX XXXX  ). XXXX XXXX  XXXX currently has these funds and has refused to make the funds available to me & has failed release to monies to me -yet XXXX XXXX XXXX continues to collect interest on this {$2200.00} everyday passing day that the money is held. I have called XXXX XXXX  XXXX customer corporate number at XXXX One hundred & forty seven times since XX/XX/2020. Each call XXXX XXXX XXXX system automatically forwards me to the IRS phone number which no live agent answers and hangs up after 2 rings. XXXX XXXX  XXXX is causing me extreme financial hardship. I am unemployed due to the pandemic & am in desperate need of my funds. XXXX XXXX XXXX is holding my monies without allowing me access to my funds. XXXX XXXX   XXXX is also refusing to provide an available banking agent to address my concerns by phone.I have also called American Express the card issuer who informs me to contact XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was switched to Mr Cooper in XXXX without my say. 
They sent me the wrong address to send payment. We got XXXX payment correct and the lost my XXXX payment. XXXX my bank sent a check for XXXX on XXXX XXXX Cooper received it on XX/XX/XXXX. I go a notice on the 14 that payment was pass due. I called Cooper and they called XXXX with me on the line. Sent me and Cooper a copy of the check showing they received it, cashed it and deposited it. Today I got my XXXX bill and the XXXX amount is still on there. I called and talk with customer service and got no where. I asked for supervisor and he said I needed to prove I made payment. Told him I have. He said e mail copy of check to an e mail I asked him to e mail the address. He said no they would not do that. I want it in writing because I know they will never remember whats said on phone. I told them to fix it or I will sue them. He said to do as a I wanted and could not help me. I told him I would see him in court and hung up. I want credit from them for the XXXX payment they missed placed and I want an apology in writing. And I would like compensation for my time to research this and show them its their problem. Is there a way I can go back to my other company. I hate Mr Copper because they are very unorganized. I showed them they have four different address to send a payment. Two payments and two issues? This is not going to be a company I want to do business with

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
This abuser posts Every month a past due payment for a storage unit that i was told was illegally sold by the storage place after I paid a amount less 1 months amount to the manager on duty, and he even emailed me by electronic communication that he took our items off the auction list, and in fact we had SIGNED a ELECTRONIC NOTIFICATION agreement for us to be notified of Any issues by electronic email instead of paper mail aka letters which the manager at the time XXXX XXXX XXXX also signed and a XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX California XXXX. 

When we went to pay the amount due after paying them XXXX the month before plus XXXX the nextday, he said oh my we went and sold your items anyhow, even though we have their emails 2 weeks prior saying to me to get well, no worries we are fine which i still have the electronic communication which is the legal way to notify us of any issues, and they meaning the XXXX XXXX managers used the email electronic communications INSTEAD of emails as in the contract signed to Decieve and to us to lose our personal property and childrens heirlooms. 
Now their collection agency AWA collections are billing us on a monthly basis for the past four years as if they still have our property in the units, so either they should IMMEDIATELY NOW produce our items if they are still charging us, or cease placing False information on the credit reports that we are past due every month, if they have our items still, which included our person documents and photos of our babies and our clothing Advise us, since the personal items Where NEVER RETURNED as prescribed by law that had no vaule of interistic except to us, and then if there is nothing in these units, then stop placing what amounts to False and MISLEADING information that the units have our items still inside, if they are then they meaning the storage company staff lied to us and just took our money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-19
Company: EOS Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company by the name of " US Asset Management XXXX  '' has been attempting to collect a debt from me that is not mine. They are saying that I owe them a balance of {$290.00} but are telling me that I can settle the amount by paying them {$180.00}. The original creditor was " XXXX ''. I have never done business with either of these creditors. They need to delete this information off of my report immediately. I have already spoken with a representative by the name of " XXXX '' and " XXXX '' at " US Asset Management XXXX  ''. This creditor is on my XXXX XXXX  '' credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: JPMORGAN CHASE & CO.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Reference : Chase Auto Loan Account Number XXXX Payment Amount : XXXX Principal Balance as of XX/XX/XXXX {$40000.00} XXXX XXXX XXXX To whom it may concern : On XX/XX/XXXX, I realized that we would not have the funds available to pay the car payment to JPMC for XXXX or XXXX because my husband 's unemployment payment did not cover all the bills. He's been out of work due to Covid-19. We have a child with pre-existing medical conditions that are susceptible to the virus, and I have XXXX  XXXX which would ultimately be a death sentence if I contract the virus. Therefore, my husband can not work unless he lives away from home. On the XXXX of XXXX, I call the Chase Covid-19 support telephone number to request a deferment. I also called the number 5 times on the XXXX of XXXX because I knew that the payment would be 30 days late if it wasn't made by the XXXX of XX/XX/XXXX. Every time I called, the number attempted to transfer me to the representative, but each time it simply disconnected the call. I tried different times throughout the day on the XXXX of XXXX and the call would never go through. I called again on the XXXX of XXXX and finally, the call went through to the representative and we were approved for a deferment of payments for XXXX and XX/XX/XXXX. Now, the company refuses to remove the late payment reported for XX/XX/XXXX on my credit report. I've spoken to representatives. I've faxed requested information that supports the numbers called as we urgently attempted to obtatin assistance more than 6 times. and Chase refuses to correct the late payment on my credit report. The company approved me a deferment but still reports the payment late. That is ridiculous. Please assist me in obtaining fair credit reporting of my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-09
Company: 2288984 Ontario Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
1. On XX/XX/XXXX, I borrowed {$420.00} from Money Key. On XX/XX/XXXX Money Key Sold account to XXXX XXXX {$330.00}. Never company tried to collect as evidenced from Credit Reports. 
2. XXXX XXXX sold account to XXXX XXXX XXXX XXXXXXXX ( amount unknown ) 3.  XXXX XXXX reported to Credit Bureaus XX/XX/XXXX. 
4. I contacted XXXX on XX/XX/XXXX to inquire, why they had the account, and that I had not received any notice from them. 
5. I received telephone call from Ms. XXXX, and although I had questions about the amount owed, I offered to pay XXXX of the debt in order to reverse the 61 points decreased from my credit score. I stated that this was a one time offer, and I was not in the mood for Debt Collector games ( this money was coming out of my social security check ). Ms. XXXX stated that she would check with the original creditor to get ok. She then call me back about a week later and indicated the original creditor denied my offer. ( Game number one ) 6. On XXXX XXXX I mailed letter requesting original documents verifying the amount owed etc. ( see enclosed letter. ) 7. The  attached documents show I paid a total of {$580.00} to Money Key. This proves the original amount borrowed was paid, if they are now claiming interest etc. I need to see the original documents signed by me authorizing such an amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: OPORTUN FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Oportune used to be known for progresso finaciero I have talked to them multiple times about my hardships at work and that I know of my financial obligations towards the loan. They offer no resolution and try to force huge amounts obvious payments that I cant pay. Ive paid them XXXX and then XXXX twice trying to catch up with my obligation. They call 8 plus times a day harassing me even after I try to resolve my missed payments. They have called my place of work and sent letter plus an actual person to my place of work which is my Employers physical address putting my job at risk of me being fired because my boss is not appreciating these calls or someone arriving at her home. She as well be filing a complaint against them. I dont own any vehicles, a home or house. They are threatening to sue or have filed when Ive tried to discuss with them and resolve issue. They do not care. I would understand if I were honestly ignoring my obligation but I am not. Im trying to work with what I can. Ive had two loans with them before and paid them off. This is a third loan Ive obtained with them and its ridiculous to me that I am a Returning customer and this is what they are doing to me. After I pay this off I will ABSOLUTELY not do any type of business and take my referrals elsewhere who have taken out loans with them as well. This company is a joke and Im thinking of course suing for my hardship with them and my way of income being compromised because of them harassing my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSWORLD SYSTEMS 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: Account status incorrect

Complaint:
Account paid, yet it still shows on my credit report. Credit report is with XXXX XXXX. Please remove from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Paramount Recovery Systems, L.P.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im filing this complaint cause Paramount is reporting a medical debt on my file and I have never visited XXXX XXXX. Someone used my identifying information to get treatment in a hospital in XXXX I filed an identity theft report and police report and I am attaching for your records

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: EQUIFAX, INC.
State: IN
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 2021-04-28
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
well, I'm a XXXX XXXX so i missed almost the whole year, loan care said i was approved for modification and haven't heard from them. I am in a bankruptcy with them and they told they will will approved. i heard nothing from them after getting the call like 3 months ago. here is my loan care account number XXXX. The address is XXXX XXXX XXXX XXXX. XXXX XXXX AZ XXXX i can be reached at XXXX my name is 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 2019-10-27
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom it may concern, On a recent review of my credit report, I discovered that Caine & Weiner is inaccurately reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. If youre unable to validate the account, then you are to remove the collection account from all of my credit reports. 

Your failure to act will result in this matter being referred to the Federal Trade Commission, the Attorney Generals office and the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
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: Old information reappears or never goes away

Complaint:
XXXX XXXX # XXXX IN THE AMOUNT OF {$1800.00} WAS PREVIOUSLY DELETED FROM MY CREDIT FILE AS I AM NO LONGER LIABLE FOR THIS ACCOUNT. IT HAS REAPPERED ON MY CREDIT FILE AS OF XXXX XXXX, 2017 UNDER A DIFFERENT COLLECTION AGENCY XXXX XXXX. 

In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material.
Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.
If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.
I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing 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
Consumer complaint received 2021-03-31
Company: EQUIFAX, INC.
State: AZ
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:
Hello. I am writing this complaint because Equifax has failed to complete an investigation or have failed to communicate back any status of an investigation. On XX/XX/XXXX I sent a letter disputing a few inaccurate items found my credit report as well as a notarized id letter, my drivers license, and bank statement for proof of address. I wish I could have known about them before a lot of my recent financing. I never heard back after my first letter. After some online research I know it is against FCRA to take longer than 30 days. Due to covid I just submitted a Follow up letter, that was on XX/XX/17. I wanted to involve the CFPB because its now been almost 45 days and I do not want my disputes neglected. Please deleted these inaccurate items from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: GA
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:
Once again I discovered that XXXX account on my credit report was incorrect when I reviewed it. The following account need to investigate and correct for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX : {$650.00}

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 2019-06-06
Company: Colony Brands, 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 status incorrect

Complaint:
On my hard inquiries is XXXX XXXX mail order form. I did not do this. I received a TV from XXXX XXXX and did not order it. Checked with company and was told 2 TV was one they way to me. I did not order them. Have a police report and a letter from XXXX XXXX stating the account was opened fraudulently with my name.

Company response to consumer: Closed with explanation