BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-22
Company: U.S. BANCORP
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:
I am studying XXXX and i was using a service called XXXX XXXX XXXX  in XXXX illinois. But the service didnt offer what i needed and they told me to give me a full refund back in XXXX and XXXX of 2019. I made a payment with my bank card XXXX to take this course for XXXX  boards to become a XXXX. I informed XXXX that they were giving me a full refund. XXXX credit card member services did not contacted me instead reported my card as fraud at first and then i had get back in contact with them. after months of waiting on a refund from XXXX XXXX. i recieved partial refund and i did do my payment. Due to XXXX correspondence back XXXX and XXXX i was told i have no payment due. but when i got my partial refund i was reported to pay XXXX because i was suppose to get full refund but since it took so long for the case to resolve i reported XXXX XXXX  XXXX to XXXX and they are giving me a refund of XXXX dollars but XXXX have put it in my credit even tho they have had correspondence of letting me pay it when this case is resolved.

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 2021-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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 disputed this account because of the lates that are reporting with the credit bureaus and the bureaus did not add a dispute remark to the account within 30 days. 
The initial dispute was sent XX/XX/XXXX and still, to this day there are no dispute remarks. 
Please see : Francisco v. Midland Funding, No. 17 C 6872, 2019 U.S. Dist. LEXIS 20601, at *2 ( N.D. Ill. Feb. 8, 2019 ) 15 U.S.C. 1692e ( 8 )

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 2020-06-23
Company: ONLINE Information Services, 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:
Online information services has placed a collection account on my credit report without notifying me there is an alleged debt in my name and giving me the opportunity to dispute the debt. I have repeatedly requested validation of this debt and have yet to be provided with such documentation. I have disputed this debt with all three credit reporting agencies as well as contacted the XXXX XXXX XXXX. I am requesting a signed document, something tangible that supports that I, XXXX XXXX entered into a credit contract with this company and or it's affiliates. I have contacted the alleged " original creditor '' XXXX XXXX XXXX XXXX, who states they have no documentation of any outstanding debt with them. I currently have gas service in my name and XXXX XXXX  states that if I had a past due account it would have been synced with my current account and would have been paid. This collection agency has no supporting evidence that I've ever lived at the address this alleged service was provided. This debt was purchased without validating that it was authenticate and then placed it on my credit without attempting to contact me. This has adversely affected my credit rating. I have discussed this matter at length with this collection agency and as of todays date they refuse to remove it from my credit report. I have never received a notice of collection, an intent to place it on my credit report and or any other notice of this debt prior to seeing it on my credit report with a random check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased from a company ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) who stated my goods ( a weight set ) were shipped in XX/XX/2020, and every time I reached out to the company for information and tracking, I was met with excuses. I still have not received ANY goods for the {$440.00} I paid, so I reported the fraud to my credit card company, Citibank. My credit card company, Citibank, closed the dispute and decided I was liable for the charges, but I still have not received any goods, nor am I receiving any information or responses about tracking from the company. I have good reason to believe this company is running a fraudulent business. The company 's website, www.solardrop.com, is now offline completely.

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 2018-11-03
Company: Experian Information Solutions Inc.
State: NJ
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 checked my credit on Experian. I notice a XXXXXXXX XXXX  card for XXXX which I never opened I found the account was used in Florida. I reside in New Jersey. My information was used fraudulently. I filed a dispute they refused to take it off 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 non-monetary relief
Consumer complaint received 2018-08-27
Company: Nelnet, Inc.
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I currently owe {$57000.00}, with a past due amount of {$3800.00}. My loan servicer is Nelnet, however, I think the real problem lies with the Department of Education. 

I am willing and able to pay the student loan, however I no longer reside in the United States. I no longer have an American bank account and can not open one. I do not have a credit card in my name, so I can not make payments that way. 

I do have a bank account and can make electronic payments. Nelnet informs me that Department of Education rules forbid them accepting payments from foreign banks. I can not find an appropriate way to lobby the Department of Education for some alternative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Remove incorrect reporting of 30 day delinquent on XXXX XXXX account. XXXX in the credit department at XXXX XXXX assured me this would be corrected.

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 2021-05-03
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021, NationStar Mortgage ( dba Mr. Cooper XXXX drafted two mortgage payments of {$2100.00} - one of which was not authorized. Attempts to rectify this with Mr. Cooper customer service via email and online chat were unsuccessful. On XX/XX/XXXX, I saw news coverage outlining that Mr. Cooper was aware of the problem, as of XX/XX/XXXX, and would have all unauthorized debits reversed by the end of day on the XXXX. On the XXXX, the two debits of {$2100.00} on XX/XX/XXXX were still present, so on the XXXX I reached out to the reporter, XXXX XXXX of XXXX, to inform her that the press release was not accurate. She reached out to Mr. Cooper bout it who ask for my name. Shortly there after, debits and credits showed up all over the place. Including a debit on the XXXX, that was not there previously, two debits on the XXXX and two credits on XXXX. Both Mr. Cooper and my bank, XXXX  XXXX XXXX, say they can not see this activity. NationStar is lying to regulators, the press and customersXXXX XXXX XXXX XXXX is not keep adequate audit records of how accounts and statements are being changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
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:
inaccurate information on credit, FTC violation

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 2017-11-21
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:
All inquires on report with XX/XX/XXXX.
Any inquires on report with inquiry XX/XX/XXXX. 
I have contacted the companies listed on my credit report. The companies deny any knowledge of the inquires that were performed. The companies stated that I should contact the credit reporting agency and notify them on inaccurate information. I did not notify XXXX but they stated that I would have to contact the companies directly. The information is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to get this loan reviewed for a loan modification since XX/XX/2020. In a letter dated XX/XX/XXXX, Shellpoint informed me they required additional documentation to finish their evaluation, more specifically, a copy of their Uniform Borrower Assistance Form, a copy of most recent bank statements, Copy of Dodd-Frank Certification Form and, copy of most recent quarterly profit and loss statement.

On XX/XX/2020 I submitted all of those documents to the mortgage company via the dashboard on website ( with email confirmation ) and via email. On XX/XX/20 they were submitted again via fax because ( also with fax confirmation ) because I was informed through email that For some odd reason our imaging system isnt uploading all the documents to her file.

On XX/XX/20 Shellpoint informed me they are unable to complete the evaluation because they did not receive all of the required documentation and asked me to contact the office to discuss whats missing. On XX/XX/20 I contacted Mr. XXXX XXXX, my Loss Mitigation Specialist at the mortgage company, to find out what was missing. Today is XX/XX/20 and have not heard back from Shellpoint yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I tried telling the credit bureaus that this information on my credit report is incorrect ( see attachment ). Even though I followed the proper procedures multiple times they just sent back that it was verified, as if they didn't even look at the evidence that i sent them. The high credit is wrong, the date last active is wrong, the date of last payment is wrong, and its showing a balance even though the payment status is collection/charge-off. This is all a direct violation of FCRA.

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 2020-04-30
Company: Credit Service International Corp
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following accounts be verified or removed immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 30 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: DISCOVER BANK
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I read about a {$200.00} bonus offered by Discover Bank for opening an account and depositing {$25000.00} by XX/XX/2019 on XXXX XXXX XXXX. It read : " Open your account by XX/XX/19 Get Started To get your {$150.00} and {$200.00} Bonus Offer : What to do : Apply for your first Discover Online Savings Account by XX/XX/19, online or by phone. Enter Offer Code XXXX when applying. Deposit a total of {$15000.00} to earn a {$150.00} Bonus or Deposit a total of {$25000.00} to earn a {$200.00} Bonus by XX/XX/19. Maximum bonus eligibility is {$200.00}. 
What to know : Offer not valid for existing or prior Discover savings customers or existing or prior customers with savings accounts that are co-branded or affinity accounts provided by Discover.  Account must be open when bonus is credited. Bonus will be credited to the account by XX/XX/19. Bonus is considered interest and will be reported on IRS Form XXXX. Offer may be modified/withdrawn. '' I'm attaching a copy of the ad for the bonus. 

I opened the account over the phone and gave the offer code XXXX. The {$200.00} bonus was to have been credited to my account by XX/XX/XXXX - last Monday. On Thursday I phoned Discover to ask if it had been credited, and " XXXX '' said that it hadn't. I phoned back on Friday and spoke with a woman ( I think her name was XXXX but am not sure ) who said it still had not been credited to my account. She asked if I had given the offer code and I said yes. She said she would have to listen to the recording of my phone call to verify that I had in fact given the right code. 

It is unethical to promise a bonus and then delay delivering the bonus, and to look for an excuse not to offer the bonus. I certainly would not have deposited exactly XXXX at that time unless there were a bonus. And the phone number for Discover Bank is in my phone as " Discover Code XXXX '' specifically for that reason.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-13
Company: Mr. Cooper Group 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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX and its debt collector company ( Jefferson Capital Systems LLC ) has been trying to collect and has reported to my account XXXX that I have been trying to remove for a long time. I have had the same phone company ( XXXX ) for over 10 years and did not open a phone account ever with XXXX XXXX but to no avail, they are still reporting it as a collection on my credit causing many problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: MRS BPO, LLC
State: AZ
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:
On XXXX/XXXX/2017 at XXXX I received a phone call ( XXXX ) asking for XXXX XXXX stating to call back ( XXXX ). I called this number and asked the representative on the phone to stop calling as this is the third time they have done so after repeated request to stop

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Synchrony Bank did an inquiry on my credit in XX/XX/2019 for Sams and I have never had anything with Sams. I got an alert the day it happen and called Synchrony they cancel the card and told me they was sending a letter to the bureaus to have the inquiry removed. Well the other 2 removed it but XXXX did not I just found this out when I was checking my credit getting ready to get a car. I contacted Synchrony and now they are telling me they have nothing on me in their system and cant give me a letter to give to XXXX XXXX  keep saying they need something from them to remove the inquiry but everybody is giving me the run around. I cant get the letter if they want give me one XXXX told me today I need a police report to get it removed I have never heard a bunch of mess like this an tired of it can you all please 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 non-monetary relief
Consumer complaint received 2020-06-23
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:
There are accounts listed on my credit file that are fraudulent ... .see list below : Experian XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX # XXXX {$6400.00} XXXX XXXX XXXX XXXX # XXXX {$1200.00} XXXX/XXXX XXXX XXXX # XXXX {$1700.00} XXXX/XXXX XXXX XXXX # XXXX {$3000.00} U S DEPT OF ED/XXXX # XXXX {$1800.00} U S  DEPT OF ED/XXXX/XXXX  # XXXX {$3200.00} XXXX XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX # XXXX {$810.00} XXXX XXXX XXXX # XXXX {$250.00} XXXX XXXX XXXX # XXXX {$550.00} Inquiries : XXXX  XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX    XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX  # XXXX {$6400.00} XXXX XXXX XXXX XXXX # XXXX {$1200.00} XXXX/XXXX XXXX XXXX # XXXX {$1700.00} XXXX/XXXX XXXX XXXX # XXXX {$3000.00} U S DEPT OF ED/XXXX/XXXX  # XXXX {$1800.00} U S DEPT OF ED/XXXX # XXXX {$3200.00} XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX DBA XXXX  # XXXX {$810.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX {$250.00} XXXX XXXX XXXX   # XXXX {$550.00} Inquiries : XXXX  XX/XX/XXXX XXXX  XXXXXXXX XXXX   XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX # XXXX {$6400.00} XXXX XXXX XXXX XXXX # XXXX {$1200.00} XXXX/XXXX XXXX XXXX # XXXX {$1700.00} XXXX/XXXX XXXX XXXX # XXXX {$3000.00} U S DEPT OF ED/XXXX # XXXX {$1800.00} U S DEPT OF ED/XXXX # XXXX {$3200.00} XXXX # XXXX {$460.00} XXXX XXXX DBA XXXX  # XXXX {$810.00} XXXX XXXX XXXX # XXXX-XXXXXXXXXXXX {$250.00} XXXX XXXX # XXXX {$550.00} Inquiries : XXXX/XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/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