BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-12
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:
XXXX  as well as Experian needs to update report as XXXX balance and as a paid and serried charge off as XXXX  has done in their reports which I will send photo of credit reports showing XXXX reported correctly and XXXX  and Experian has not. XXXX XXXX XXXX needs to notified XXXX  and Experian as a XXXX balance and a paid and settled charge off

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 2020-05-21
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX got new management. The new managers had wrong statements about tenants and reported incorrect information to collection agencies. The collection agency and apartment agreed to delete the collection information from my credit report because I do not owe them anything. The collection agency deleted the information from my XXXX report in 2019 but did not update the information on my XXXX and XXXX  reports and are now refusing to delete the information after multiple disputes, evidence and requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have recently checked my credit reports and found a couple of accounts listed as collections accounts that I have no knowledge of. The listed company goes by the name of AFNI, INC. I've checked all of my files and records and was never able to find any bills connecting me with the listed company. I immediately disputed the accounts on XX/XX/20 but received a response that the account was updated with no change. I have reached out again requesting the company send me proof that I was indeed the one responsible for the bill that they claim I owe but still have yet to receive anything. This is affecting my credit in a negative way, and I plan on refinancing my home and as well as purchase a new car for my son who will be headed off to college after his senior year. Please help me get this issue resolved. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: EQUIFAX, 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:
I have balances with XXXX XXXX XXXX and it was turned over to XXXX XXXX collection agency. The agency has listed each account individually on my and my husbands credit report. We have total Balance of {$15000.00} from datesXX/XX/XXXX to XX/XX/XXXX. That is owed to both XXXX hospital and XXXX XXXX. I Have disputed the amount of accounts listed on my credit report as many companies have advised me that this does not seem ethical to have 132 medical accounts listed individually. These accounts range from {$11.00} to {$2400.00}. I can understand putting the collection balances on my credit report but not listing it 132 times each individually. I have contacted XXXX multiple times to ask them to combine the balances into 1 or 2 balances they have responded that they will not remove the multiple listed accounts, they also advised that if I paid the balance to {$0.00} they will still be listed individually. My credit report is 30 pages long due to 132 medical accounts listed individually.
This should not be legal, it is legal to add collections to someone credit report but not list it individually like that. I have had so many people tell me that this is not legal or ethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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, 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 explanation
Consumer complaint received 2020-07-23
Company: PNC Bank N.A.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
PNC does not work with XXXX This is preventing me from easily connecting to XXXX and XXXX. Its really XXXX  me over here. Worry about customers rather than your own pockets. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: AES/PHEAA
State: NY
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:
I am currently repaying my loans under the Income-Based Repayment program through FedLoans and I will be eligible for Public Service Loan Forgiveness after  making my 120th qualifying payment on XX/XX/XXXX. My issue is that FedLoans has, on more than three occasions, inaccurately calculated the total number of qualifying payments that I've made. I contacted them on XX/XX/XXXX, with evidence of a full audit that FedLoans themselves completed in XXXX that accurately reflected the total number of qualifying payments I had made at that time. They have yet to adequately respond to my inquiries over the past year and I am now 10 months away from applying for PSLF and they still have an inaccurate total count of my qualifying payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Experian Information Solutions Inc.
State: PA
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 am writing to exercise my right to question the validity of the debt your agency claims I owe, according to the Fair Credit Reporting Act ( FCRA ). As stated in Section 609 of the FCRA, ( 2 ) ( E ) : A consumer required to remove inaccurate derogatory information from a consumers file that can not be verified. I would like to see a complete list of all documents and correspondence in regards to the below accounts. Please include all names and contact information of employees that you spoke to at, as part of this investigation. As is my right, I am requesting verification of the following items : XXXX  XXXX XXXX   XXXX  XXXX  XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. 

Thank you for your prompt attention to this matter.

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 2018-03-03
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
This complaint is regarding XXXX XXXX. XXXX XXXX is refusing to provide tax documents and a closing statement for a reverse mortgage that was paid in full in XX/XX/XXXX. 

XXXX XXXX refuses to provide the total interest and fees charged during the 38 month life of the loan. 

I am the successor trustee for the estate of my grandfather, who took out a lump sum reverse mortgage in XXXX of XXXX. He died in XXXX of XXXX. I paid the loan in full in XX/XX/XXXX. XXXX did not provide a final payoff statement for the loan ; when I inquired, XXXX claimed it would be sent at year end, before XX/XX/XXXX. 

XXXX XXXX claims now that the loan payoff statement does not exist. 

XXXX XXXX refuses provide tax documents ( form XXXX ). 

Through over a month of phone conversations, XXXX representatives have provided false and conflicting statements regarding this account. 

XXXX representatives claims during phone conversations include that the XXXX was mailed ( on three different dates ), that the XXXX would be faxed, that the XXXX was never generated, and a claim that they could not provide a closing statement or tax documents for the loan because the IRS prohibited them from doing so. Additionally, XXXX representatives had stated that, though the loan shows as paid in full, there is no payoff statement, and that they do not have any document that itemizes the interest, MIP, and other fees that they collected at loan payoff in XX/XX/XXXX. 

Time is off the essence for this complaint. I can not file federal income taxes as trustee for my grandfather 's estate, or my own taxes, because XXXX XXXX   refuses to provide a form XXXX, a closing statement for the loan, or any other relevant documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: STONEGATE MORTGAGE CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I requested for my Mortgage Insurance to be drop as well as to remove my escrow. I paid down my mortgage to where I have more than 20 % equity from my original purchase date. An Appraisal was done and the value also confirmed much higher equity in the property. In XX/XX/XXXX I followed up due to the fact I was told it would take 60 days. I was told that by my XX/XX/XXXX payment it would be taken care of. On XX/XX/XXXX I called no one would pick up. The same is to be said for XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I wrote to them again via their online portal following up on my request. I am yet to get a response or any sort of action on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
FROM XXXX-XXXX  I SCAMMED BY FRAUDERS VIA XXXX ROMANCE SCAMS AND XXXX EMPLOYESS IN THE MONEY SERVICES AREA AT STORES.. 

I HAVE BEEN SCAMMED FOR MORE THAN {$260.00}, XXXX AND IT MONEYGRAMS, XXXX AND XXXX PROBLEM. I WANT ALL TRANSFER IN MY NAME..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Experian Information Solutions Inc.
State: MA
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:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.

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 2021-01-26
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Discover Bank did not adhere to my requested invoice/remedies as they have violated me under the Fair Debt Collection Practices and Truth in Lending. I have resent documentation giving them an opportunity to cure this invoice yet again. I am a federally protected consumer and Discover Bank has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review the attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Tuesday XX/XX/XXXX my direct deposit was sent to paypal and then they held it and then closed my account saying they won't return to unemployment but hold for 180 days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: EQUIFAX, INC.
State: MA
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:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Duncan Solutions, lnc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a California resident since XXXX. I last traveled outside the state to Texas in XXXX. Recently, PAM sent me a notice of delinquent fees claiming I drove on a XXXX XXXX. PAM refuses to provide documentation to prove their case because the proof does not exist. PAM continues to harass me for a debt that I do not owe A review of the XXXX website shows PAM LLC had 329 complaints against them for billing relating to the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.

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 2020-05-14
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: Account status incorrect

Complaint:
XXXX XXXX are reporting I was on LATE XXXX of 2020. I request METHOD OF VERIFICATION of this late payment. Please provide the names, phones, addresses and process used to determine the Late Payment or correct the history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$870.00} DEPT OF ED/XXXX  XXXX Balance : {$6300.00} DEPT OF ED/XXXX  XXXX Balance : {$9600.00} DEPT OF ED/XXXX XXXX Balance : {$4200.00} DEPT OF ED/XXXX  XXXX Balance : {$4600.00} DEPT OF ED/XXXX  XXXX Balance : {$2700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Within the past week some Wells Fargo employee ( s )  submitted an application for a credit card without my prior knowledge or authorization, and it was declined. My XXXX   scores were XXXX - Very Good, XXXX - Very Good ( XXXX ), and XXXX - Good. Now, my XXXX scores are in the low 600s.

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 2021-02-22
Company: Cooling & Winter LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Dear CFPB Representative, Thank you very much for taking the time to review this complaint. 

This is a case of a Law firm representing itself in a primary function as a debt collector.. Each letter from the debt collector ( 3 letters ) stated " We are a law firm, at this time no attorney with the firm has personally evaluated or reviewed the particular circumstances of your account ''. However, this firm recently filed a lawsuit against me without any notice or without notice of transitioning from a debt collector to a law firm. 

Additionally, this firm did not provide important documentation that I requested on multiple occasions so I properly validate the debt and the determine if this firm has authorization from the creditor to collect the debt. 

On XX/XX/2020 I received a letter from this firm, Cooling & Winter ( Letter # 1 ) to regarding credit card debt shown in the amount of {$82000.00}. I responded on XX/XX/2020 ( Response # 1 ). Cooling & Winter sent Letter # 2 and I sent Response # 2 and Cooling & Winter sent Letter # 3 and I sent Response # 3. I did not receive a letter back from Cooling Winter in regard to my last Response # 3. I will attach these 3 Letters & 3 Responses, label accordingly. 

Importantly, I did not receive any indication or notice at all that Cooling & Winter intended to transition from a debt collector to a law firm. Additionally I did not receive any notice that Cooling and Winter intended to file suit. Complaint attached. Th e Compliant was mailed by a different firm, XXXX XXXX ( attachment ). I have no knowledge about this firm, XXXX XXXX and never communicated with them. FInally, per my Reponses, you will see I requested multiple times for verification that Cooling & Winter had a license to do business in Florida and that Cooling & Winter had authorization from the Creditor to collect this debt. These are very important as many Collection Agencies do not have authorization and also may not have the license to do business in other states. These among other requests to Cooling & Winter were never specifically addressed. I also requested other documentation to formally validate the debt. 

Thank you for your assistance. I am always available to discuss this matter further.

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 2018-03-03
Company: Diversified Consultants, 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:
I have an account opened in my name on XX/XX/2015. For the company XXXX. I have no recolection of an account, telephones and or authorizing for an account. I had no idea if this account until i became a member of XXXX XXXX. I filed a report with the credit agency XXXX they claim it is mine but i have not one piece of documentation of anything on this account, not an address, account number, or location of the account activation. So it is in collections for the amount of {$1600.00} opened XX/XX/2015, with diversified consultants inc. XXXX XXXX XXXX XXXX , fl XXXX. It is on my XXXX   report also

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-15
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/2020 I submitted disputes to XXXX XXXX, and Equifax. I have yet to get a response on the investigation. This is in violation of the law as it has been more than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
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: Public record information inaccurate

Complaint:
ALL 3 CREDIT AGENCIES VIOLATED " FCRA '' CONTINUE REPORTING INCORRECT " PACER '' DATA OF PUBLIC RECORDS ACCOUNTS NOT MINES, OUTDATED AND 41 / ACCOUNTS REPORTED 2X

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