BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: IN
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:
According to the law, USC 1681, and USC 1681s2 That I have the right to privacy, and that I did not give authorization for this information to be put on my credit report 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 2017-06-19
Company: Freedom Mortgage Company
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was refinancing my house and we had a closing date and then I get a call from a different person at the company than I have been dealing with asking for me to cancel a dispute with a company that I had on my credit report when I asked why he got rude and said just do it so I did they sent the appraiser out to my house and that is where things got ugly they started asking me to go to the county and have them change how they have my house listed when I told them that I have tried to do this and they would not change it with out proof of what my house is so i told them that as soon as the appraisal came in and I had the proof I would go back to them with it and and a few days latter they called me and said they canceled the loan so I ask for a copy of the appraisal and they said they had up to 30 days to send it to me about ten days latter they tell me that I ca n't have a copy of it because they canceled it before he did it one person there says they have it one says they do n't the appraiser says he sent it to them

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 2018-02-03
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Best Buy citi card closed my account when I had XXXX balance since XX/XX/2017 and they are claiming that it was due to a credit report. The fact that they are using this excuse to close accounts is very rude. I have never had an issue with this card since I opened it and I've always paid in time and more than the minimum.

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 2021-05-19
Company: Verisk Analytics Inc
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I contacted XXXX aka verisk financial about inaccurate information on my credits report but they refused to address the issue. XXXX make me go in circle instead of addressing the issue. 
They admitted that they did not have a proof that the information belong to me since they obtain the information via " obtained from a publicly available source ''. If that is so how did XXXX know that the information belong to me without having 10 percent of my personal information. They must delete the information or proof beyond doubt that those information belong to me by producing the same Address, Date of birth, Social security number. Otherwise they should refrain from furnishing wrong information to my credit files. 
I attached their response below. Which is insincere and circular argument letter I never seen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX, XXXX  XXXX XXXX was serving my federal student loans. At that time, I became eligible for Public Service Loan Forgiveness with 122 of 120 required qualifying payments made and verified by XXXX XXXX XXXX. However, no further action was taken to send my information to the Education Department for discharge of my loans, a process I was told by customer service it would take 30 days for discharge after reaching 120 payments, and that I needed to take no further action. I waiting to hear confirmation that my loans were forgiven and discharged. 

However, in XX/XX/XXXX I learned my loans would be transferred to MOHELA for servicing ( email attached ). I received a welcome email from MOHELA in XX/XX/XXXX ( email attached ) as well as a loan verification document ( document attached ). I continued to wait for forgiveness. 

In the meantime I heard from others who had reached 120+ payments at XXXX XXXXXXXX XXXX that they had not been transferred to MOHELA and that their loans had been discharged. I called MOHELA in XXXX to inquire about the status of my loans. I was told that the XXXX Department needed to review my loans before discharge and to wait 30 days. I called again in XXXX and was told me loans had not been sent yet to the Education Department for review and that it could take 30 days and to call back again, that there would definitely be an update in 30 days. I called again in XXXX and was told to wait 30 days because the Education Department was reviewing my loans. I called in XXXX and was told by loans had never been sent to the Education Department for review and that they would " expedite '' the process for me and to wait 30 days. I called again today, XX/XX/XXXX after hearing no updates. The agent I spoke with today told me that my loans had just been sitting with MOHELA and had not been sent to the Education Department for review, and that I should have been forgiven in XX/XX/XXXX. She advised that because I had already reached 120+ when my loans were transferred to MOHELA XXXX that MOHELA XXXX no further action to process my loans toward PSLF forgiveness once they because my servicing. She told me that she is going to expediate my case ( although I have heard that before ). This time she did give me a case ticket number # XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: General Motors Financial Company, 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: Account status incorrect

Complaint:
Vehicle returned to GM on XX/XX/XXXX ( as acknowledged on letter attached ). 
GM Financial issued a final bill XX/XX/XXXX with a due date of XX/XX/XXXX. 
This letter was mailed to the wrong home address ( had a typo ) and I never received it. I also didn't get a letter online on my GM Financial account. 
In the beginning of XXXX, XXXX I saw a decline in my credit score owing to this account declared delinquent by GM Financial. 
I called GM financial on XX/XX/XXXX and spoke to XXXX ( agent id : XXXX ) who informed me that the bill was sent to the wrong address and a new letter will be mailed to my home address and an update will be sent to the credit bureaus for correction and asked to call back. 
Called back on XX/XX/XXXX and spoke with XXXX ( agent id : XXXX ) and confirmed that she will submit the credit bureau correction the same day. 
Called on XX/XX/XXXX and spoke with XXXX ( agent ID : XXXX ). Was informed XX/XX/XXXX invoice was mailed. Credit bureau is submitted and being worked on. Was asked to call back on XX/XX/XXXX to confirm. 
I received the letters ( attached ) and sent the check right away ( date XX/XX/XXXX, see attached a copy ). 
Called on XX/XX/XXXX and spoke with XXXX ( agent XXXX ). Was informed that credit correction submitted on XX/XX/XXXX and creditbureau correctionswill take 30-45days. 

It's been nearly 9 months and my credit reports with XXXX, XXXX  and XXXX  still show this account as late payment ( see XXXX  as an example ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX : {$360.00} XXXX XXXX XXXX : {$0.00}

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 2020-07-10
Company: Waypoint Resource Group, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from WAYPOINT RESOURCE GROUP in the amount of {$420.00}. First and foremost, I have confirmed that the debt collector, WAYPOINT RESOURCE GROUP is not licensed in the state of Texas to collect on this debt. Secondly, WAYPOINT RESOURCE GROU Pviolated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to WAYPOINT RESOURCE GROUP? I have never heard of them, have no written contract with them and have never received any benefits from them, WAYPOINT RESOURCE GROUP has submitted negative information to all three credit reporting agencies ( XXXX, XXXX and XXXX  ) against my name and social security number and is demanding payment from me in the amount of {$420.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was living with a friend and moved out on XX/XX/2015 but didn't know I had left several personal identifying documents behind. I believe that friend or their associates used my personal documents and information to obtain several credit accounts and vehicles in my name. I have confronted several people concerning these accounts once I had become aware of them but they say it could've have been anyone but them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was recently informed of negative information reported by XXXX  XXXX XXXX included in the file ChexSystems maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank listing a UNPAID Charge Off Amount in XX/XX/2017. 
I am unaware of ever having an account from This Bank. 
Please validate this information with XXXX  XXXX XXXX and provide me with copies of any documentation associated with this " UNPAID Charge Off " bearing my signature.

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 2020-07-10
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name CHAPTERXXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

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 2018-07-20
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account several times, received no validation. I do not owe this nor have ever received verification Grant and weber # 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 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I was never been late on these accounts. I always pay my debt on time. I believe this is a mistake reporting. Please check on the following account and update the error on the 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 2023-02-06
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
MR COOPER IS PUTTING ME AND MY FAMILY IN XXXX WAY REFUSING TO : XXXX .APPLY MY {$930.00} LOCATED IN THEIR SUSPENSE ACCOUNT TO MY ARREARS, XXXX. REFUSING TO APPLY MY WIRED {$6500.00} TO MY ESCROW SHORTAGE VIOLATING FEDERAL AND XXXX XXXX LAWS, XXXX. I HAVE BEEN SENDING MY APPLICATION FOR TRIAL MODIFICATION BACK AND FORTH FOR OVER XXXX  YEARS OR MORE AND MY ACCOUNT IS ON HOLD AND NEVER SENT NTO XXXX  FOR FORECLOSURE STILL, THEY CHARGED ME FRAUD LEGAL FEES LENDER PAID EXPENSES TOTALING {$5500.00} AND THEY REFUSE TO DELETE THE FAKE FEES. PLEASE HELP. 
SINCERELY, XXXX XXXX XXXX  WITH HONORS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Back in early XX/XX/XXXX, I completed and sent in my XXXX XXXX XXXX XXXX XXXX XXXX. Almost XXXX  months later, it is " still under review '' and they can't give me an estimated date of when it will be certified. I complete this form about once a year and sent it to myfedloans. I work for XXXX XXXX XXXX and have since XXXX. I have stayed in contact with myfedloans. At first when I contacted them to see when my employment would be certified, I received several different reason why it had not been. My form was sent in complete with my employer 's signature, title, and dates. I do not understand why it takes XXXX months to certify employment that I have had since XXXX and send in every year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
my personal information was stolen and accounts were opened in my name. I am also victim of check fraud.

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 2023-05-13
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
They violated the cease and desist order. I called to verify that the account had the order on it, and they are mailing me threatening debt collection communication anyway. 

Letter was dated XX/XX/XXXX. Received on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: EQUIFAX, INC.
State: WI
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/2018 I demanded XXXX XXXX provide proof of debt. On XX/XX/2018 they admitted they do not possess any evidence proving the information they are reporting. Additionally, they have admitted to reporting the alleged opening date as the date they acquired the rights to collect upon the account. This information is misleading and is resulting in an increased detriment to my ability to acquire necessary financing to participate in a lucrative investment opportunity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and also XX/XX/XXXX of XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2017-06-20
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a bankruptcy being reported   XXXX  2010  .  this information is not correct.   I confirmed that the bankruptcy court does not report to the credit bureau

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 2021-03-26
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX I went into the TD Bank in XXXX, Fl at XXXX XXXX XXXX XXXX and spoke with XXXX XXXX to report fraud on my account since I had been XXXX for nearly 3 years. She said the the Fraud department would contact me in 2 weeks and if not to come back into the branch and she would contact them again on my behalf. They never contacted me so on XXXX I went back into the branch. When I try to call the Fraud department myself, they say they cant help me since the account was closed and that I would have to go the branch. But when you go to the branch, they tell you have to wait for a phone call. The last transaction I made on my account was for {$7.00} on XXXX and I should have had a balance of {$690.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ProCollect is attempting to collect {$1100.00} for a " supposed '' debt from XXXX XXXX XXXX. My husband, XXXX XXXX, and I were both on the lease and on XXXX/XXXX/XXXX we were given a standard travel order to XXXX. We notified the apartment the apartment complex and were told everything was in order when we did the walk through. 

I was not aware this was an issue until we had our credit pulled in order to purchase a home and come to find out this is on our report. I sent the transfer duty to the credit bureaus and to Pro-Collect on XXXX/XXXX/XXXX. They never responded to my dispute so on XXXX/XXXX/XXXX I called them and was advised I could only communicate via email to XXXXXXXXXXXX by a XXXX XXXX and a XXXX XXXX. 

I contacted XXXX and XXXX advised me they received my documentation however I never received a response from them. They stated they responded on or around XXXX XXXX, XXXX and the evidence I submitted was not " suffecient. ''

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 2018-07-20
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:
I've sent several dispute letters to the credit reporting agencies and continue to get an " automated '' reply in which they do not contact and verify with creditors listed on my report. Some information on my credit report is not mine and they refuse to remove it. In addition 2 of the 3 credit bureaus have stopped replying to my request for dispute which is against the law.

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