BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-15
Company: Bread Financial 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 information incorrect

Complaint:
On XX/XX/2022 I was approved for XXXX XXXX credit card for XXXX needs issued by Comenity Bank. The card nor any mail communication have been received making it impossible for me to register online to make a payment or see my balance as a result I missed my payment. On XX/XX/XXXX I sent a personal check to the address on the XXXX website. Check has not been cleared as of XX/XX/XXXX. I called XXXX XXXX, Comenity Bank, Bread Financial customer service just to find out their phone line is down. I contacted my doctors office with a request for partial refund to cover outstanding balance on my account. My dentist was nice enough to refund more than my balance due was at that point however the refund did not go toward decreasing my balance due. Calling customer service line became my daily routine, It is still unavailable to this day. As a result my account was reported to credit bureaus causing damage to my credit at the time when I am about to close on the property. I have tried to use Easypay system, however it requires credit card number that I never received. Finally, on XX/XX/XXXX I was able to get hold on customer assistance via email I had to search for online. The representative confirmed XXXX customer service line and some website functionings are down. She was able to provide me with the account number to use to submit payment via their Easypay system, however Easypay system does not accept my payment stating an error in processing my request. At this point there are absolutely no options for me to submit my payment. Meanwhile my credit remains damaged and making me ineligible for finalizing purchase of the property.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-09
Company: Mr. Cooper Group Inc.
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Mr Cooper AKA Nation Star conducted an escrow analysis and advised of the shortage I was to pay in the amount of {$26.00} by the deadline to prevent my mortgage payment from increasing effective XX/XX/XXXX. However, despite paying the shortage on time the Mr. Cooper still increased my mortgage payment. I have already asked them to correct this error and instead of restoring my mortgage payment back to the original amount they justified the increase. This is extremely unethical, not to mention a bait and switch. In bringing this to light, it's my hope that regulatory entities will hold them accountable, make them correct their intentional error and investigate their unethical practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: ENCORE CAPITAL GROUP INC.
State: NJ
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:
Hello im not sure if I chose the correct category that gives insight on my issue. Im having issues with XXXX XXXX. I tried disputing the company because I'm not quite sure what loan this debit collectors is working with, and when i tried calling a year or two ago the customer service representative was rude and nasty so the call ended before information was ended. I have not received any mail stating what, when and how this loan came about. The account state that it was open in XX/XX/XXXX and i never opened opened an account in XX/XX/XXXX, I'm listed in public records now as of XX/XX/XXXX and i never received notice. I tried disputing this company and that didn't work, the amount owed is $ XXXXon one report. I do have debt from XXXX that im trying to get removed for identity theft the initial amount being {$300.00} and with late fees {$420.00}. I initially thought that these two accounts were the same, But the amount is different. As of XX/XX/XXXX they have listed that i have paid on this account and i never have!! Isn't this fradulent! I tried disputing it again today from credit karma and it's not going through.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
i had equifax credit monitoring i cancelled it, since they refuse to send me my credit reportafter sending them my identfification information like social security printouts, id cards andcredit cards bills, medicare cards copies of all with my XXXX XXXX XXXX on the informationfor all documentsw sent including the irs document of identiy theft declaration. i have calledthem on a number given to me by the FTC answered questions that only i would know, ibeleive thier employees are involved in a fraud operation or doing identity theft to consumers other agncies there is no problem getting my report, it has been 14 monthsand a total of XXXX spent trying to get my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: EQUIFAX, INC.
State: NV
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:
My student loans were serviced by great lakes on behalf of us dept of edu. They closed the accounts due to transferred them to another loan servicing company XXXX. The closing of the loans reported to the credit bureaus equifax and XXXX due to transfer which dropped my credit score drastically. Months later the loans were re-added to my credit reports with these bureaus and my score then dropped drastically again so it now looks like ive just opened this new debt with student loans and it is hindering me from obtaining new credit ie : a new apartment because it makes me look irresponsible which I believe is unethical.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently reviewed my credit report with XXXX in XX/XX/XXXX and just noticed that the student loan I co-signed for someone back in XXXX is being reported as a joint account on my file. I disputed it as it should show on my report that I am a co-signer not as a joint account. When I checked the investigation results last night, it says it was verified as reported. This is the only student loan that I have on my file, which I co-signed for my niece. 

I contacted Navient earlier today who acquired the loan. The original creditor of the loan is XXXX XXXX XXXX. When I spoke with XXXX from Navient 's Private Loan Dept., at the beginning of the call she identified me as the " co-signer '' for XXXX XXXX, the student and primary borrower on the loan. I again asked XXXX to confirm if their record shows me as a co-signer, and she said yes. After I explained to her the situation regarding my credit bureau dispute, she then indicated that they consider a co-signer the same as joint loan holder. She asked me if I know the difference between the two and when I explained it to her, she agreed but still indicated that Navient considers me as a joint loan holder. I reminded her that at the beginning of the call, she confirmed twice that I am showing on their record as a co-signer. That did not seem to matter. I asked XXXX how I became a joint loan holder when the original loan from XXXX showed me as a co-signer. She could not really explain that to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, 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:
On XX/XX/2023 I filed a dispute letter to XXXX, Equifax, and XXXX XXXX requesting the removal of all inaccurate information being reported on my report such as metro 2 formatted compliance. Upon no receipt of verification of the inaccurate information I sent another letter on XX/XX/2023 requesting the demonstration of truthfulness certified with the lawful process and mandatory Metro 2 compliant reporting. On XX/XX/2023 I sent another letter requesting the immediate removal of the inaccurate information due to failure to verify within the time prescribed pursuant to 15 U.S.C 1681 again to no avail. I sent another letter on XX/XX/2023 showing that the inaccurate information was the result of identity theft along with Police Reports and the bureaus were selective in removing some items and allowing others to remain. I called the bureaus on XX/XX/2023 at XXXXXXXX XXXX XXXXXXXX and they assured me the remaining inaccurate information would be removed and still has failed to do so. Can you please assist me in compelling the bureaus to comply with the rules set forth in FCRA 1681. Any assistance or advise will be greatly appreciated, Thank you for your time and anticipated cooperation in this critical matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I tried to make a Venmo payment to a new person last week, and though there was no fraud involved, Venmo shut down my account. 

Venmo stated at the time that I would have a clear answer why within six days, but 10 days have elapsed and Venmo has not even replied to my several emails. 

I spoke with a Venmo customer service rep in the XXXX and she said she would resend my request marked " urgent. '' I still have had no response from Venmo. 

This low level of customer service violates what Venmo has stated in writing to me and also violates their Terms of Use agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-02
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage loan with Greentree ( XXXX ). They sent me a letter last year and again this year in regards to cancelling the PMI. The letter says it can be cancelled after the mortgage reaches 75 % of appraised value and further states that appraised value is what was origannlly valued at. 
They say in a letter last year that they want me to pay for an appraisal first. This does not make any sense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX : {$580.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$990.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$3100.00} ; XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} ; 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30
Company: EQUIFAX, INC.
State: SC
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:
Accounts associated with these name ID # XXXX, XXXX, XXXX, XXXX Address ID # XXXX, XXXX Accounts associated with XXXX XXXX XXXX, Credit Service Collection-I never opened an account with them. I don't know who they are. 
Some of my accounts are over 5 years old. 
XXXX XXXX, XXXX, and XXXX credit cards are inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: EQUIFAX, 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:
If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$900.00} XXXX XXXX XXXX Balance Owed : {$930.00} XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15
Company: CAINE & WEINER COMPANY, INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My credit was hit with a insurance company XXXX  in which I did not renew with them and went with another company. XXXX went up and I did not resign with them. I did not sign a new contract with them. I let this one go and signed up with another insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
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 account name : JPMCB CARD. has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat d payment on a credit card account under an + open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Oliver Adjustment Co.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under the penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements to omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This alleging that a person or a company without my authorization used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: Braviant Holdings, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
For my account, there is NO account information about my loan -- payments, when they are due, how much I currrently owe, etc. 
When I log in to my account, this is what I see : Loan number, application date, effective date, loan status, final due date, original loan amount and view documents. 
When I click on " view documents '' it is only the documents I received about the loan. 

I have to call to get my loan balance. 
THE PROBLEM : everytime my balance reflects I'm almost " paid in full '', the balance goes up. I only borrowed {$950.00}. I understand that I pay dearly to borrow b/c of the costs they must make. 

Since my first payment XX/XX/2019 of {$380.00} monthly, I've paid {$2300.00} as of today. I've basically given them over {$1500.00} as of today. That is way too much overage for the company to be making off of people that are already struggling with bills, etc. 

Fair is fair ... 

However, borrowers should have access to vital information for their account -- I should not have to call the company. For all my other bills, I know exactly what I owe, when it is due, etc. NONE of this information is provided because then we can't track how much they are really charging us. 

Again, Fair is fair ... .Yes, I know I have to pay ALOT for borrowing, BUT now you are taking extra payments which is NOT fair. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
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 pulled my credit reports from annualcredit report site and see continued reporting of errors on all 3 reports. There are 20 addresses on my XXXX  report that are not mine, 9 incorrect addresses on my Equifax Report, and 25 incorrect addresses on my XXXX  report. These addresses are not former addresses of mine and I have NEVER lived there. I am concerned of possible fraud or mixed information from someone else, but these addresses and misspellings of my name need to be deleted. This is so unacceptable. XXXX  and XXXX  is also reporting multiple incorrect phone numbers that are not mine and never have been. 

In addition to that, there are several accounts on my credit reports being falsely and incorrectly reported. I have disputed all of the inaccurate personal information and addresses multiple times on XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20 including several phone call attempts, but no one is able to help or remove this information. It's ridiculous! I've asked the bureaus to provide me with verification of where they are getting the inaccurate and inconsistent information from on the following erroneous accounts : XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX There is so many inconsistent reporting shown and it's the bureaus responsibility to thoroughly investigate information with the original creditor for complete accuracy which it's clear as day that they have failed to do this. I haven't received any correspondence and the inaccurate items still remain on my report after I've submitted multiple letters pointing out the exact errors on my reports along with attaching my proof of ID and proof of address for verification. With all these wrong addresses there could be fraud on my account for all I know. I'm highly frustrated with the negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
This complaint is in regard to the recent International Wire Transfer which I made on XX/XX/2022, from Bank of America in the amount of {$350000.00} to XXXX XXXX. 
The date available for the recipient to receive the funds mentioned on the receipt was XXXX XXXX. 
By the date of availability, the recipient did not receive the funds so I checked it with my bank and the bank first claimed that there is an error on the beneficiary side or with his information, when i claimed that the information 's provided was all correct later on they said the information 's were correct. 
Now the thing stands that my beneficiary has not yet received the funds, but my bank is claiming that the funds were deposited to the beneficiary 's account on XXXX XXXX. 
Hence, I requested my beneficiary to share his statement and on good faith he shared me the recording of his mobile banking which clearly shows his statements and its clearly shown that the beneficiary has not received the funds at all. 
When I shared this recording with my bank, they were still not able to figure out and they just said we dont know what we can do because one the money is out from your account its not in our hands anymore. 
I even told them to cancel this whole thing as the date for the money to be received was XXXX XXXX and still the beneficiary has not received the money. They did some paperworks for recalling the Wire but still it was of no use. 
I would like to get my money back at the earliest. 
Please look into it as it is very necessary because i am not able to get sufficient answers or help from my local bank.

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