BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-10
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My mortgage company NationStar DBA Mr Cooper has been reporting the following late payments on my account and credit report since 2015 even though I have never paid late. 
30 Days Late : XXXX, XXXX, XXXX, XXXX, XXXX, & XXXX. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, & XXXX. 
XXXX, XXXX, XXXX, & XXXX. 
XXXX, XXXX, XXXX, & XXXX. 
XXXX 60 Days Late : XXXX This has affected my credit history, credit score, and credit limits with other lenders. When I asked the mortgage company what is going on they say they have taken my mortgage payment to purchase insurance even though I have purchased insurance already and provided the proof of insurance. I have always kept current with all payments and insurance. I have disputed this with the credit agencies and they say the lender has to correct the information. I have requested the lender correct the information several times verbally and in writing and nothing has been corrected. 
In addition to the late payment reporting errors, the lender is reporting incorrect monthly payment amount. My correct payment amount is {$1200.00}. The lender is reporting {$1500.00} as my monthly required payment. 

I have provided proof of payment and insurance to the mortgage company and credit agency and nothing has been corrected. The lender has not treated me fairly and has damaged my credit and reputation which I have worked so very hard to build. This is affecting my livelihood and ability to secure credit with other lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: OneMain Finance Corporation
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
In XXXX of 2019 I took out a personal debt consolidation loan with ONE MAIN FINANCIAL. This finance company paid off prior debts that I had as the agreement that I signed. Debt was not paid and was forced to go to collections. I have tried several times over the years and most recently months to get this remedy to get that creditor paid. The amount is about XXXX some dollars but the company has yet to re-administer a check even though I have provided the name of the collections company as well as mailing information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Chime Financial Inc
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On the XXXX of XX/XX/2021 I received text messages that appeared to be from Chime fraud department asking if I attempted to make certain transactions and to reply yes or no I replayed no I then received a call from The chime number from a man saying there was attempted fraud in my account. The man also knew my address. I did not give him and of my personal information. 

He instructed me to follow links through text messages he sent to Chimes number that Chime texts from. He said if I dont follow these steps my account will be compromised. I followed the steps and as soon as I pressed a green button he hung up on me. I immediately received a message saying I sent {$390.00} ( my balance at the time ) to a XXXX XXXX. 

The man was able to manipulate their system and create links that looked like they were designed by Chime coming from all of Chimes phone lines/system. He was very polite and informative. 

I have filed a dispute twice with Chime. First time they denied my dispute without even seeing my proof. I have called them several times over the weeks and the last time I called the agent said Chime sent me an email on the XXXX of XXXX denying my dispute for the second time. I never received that email, he failed to forward me that email then he said they must have sent it to another email BUT chime has only one of my emails, he then said the investigation team must have made a mistake and sent it to another email. 

Chime has opened my case again. I will continue to fight for whats rightfully mine. 

I have filed a police report and FBI report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: Experian Information Solutions Inc.
State: TN
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 initially made Experian aware of the crime of identify theft that was committed against me. Experian conducted an investigation that yielded results that I did not agree with. I got a letter in the mail saying to send in additional documents if I had them. I then sent Experian a copy of the Police report detailing that my identity was stolen and the party involved was arrested. At this point I don't know what else Experian needs to correct the fraudulent information that was put on my report during the course of committing this crime.

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 2021-02-09
Company: EQUIFAX, 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:
EQUIFAX is continuously reporting false information. 
I have 3 accounts in collections that are PIAD and CLOSED XXXX  and XXXX  have removed these accounts XX/XX/2020 I have summitted 6 DISPUTES about these accounts and EQUIFAX continues to report incorrectly. 
I have contacted the collections agencies and they said they are reporting the accounts as closed and paid and do not understand why EQUIFAX is not reporting correctly. 

I have called and spoken to 4 different agents at EQUIFAX all whom tell me to dispute again. 
My score is being severely affected and they are purposely reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Kriya Capital, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had signed with XXXX XXXX for their services. After many lies from the company, I had to deal with the corporate office and they apologized and offered me services for one year at a reduced rate. After completing the year, my bill almost doubled and I contacted XXXX XXXX who was then going through XXXX XXXX XXXX. Again, apologies but never resolved. In XXXX, XXXX, I had to move as the condo I was residing in was sold and I tried to transfer my service. The new senior XXXX XXXX I moved to would not allow XXXX XXXX dishes and told me I had to go with XXXX. I transferred my services in XXXX, XXXX and was billed in XXXX, XXXX for {$54.00}. Despite numerous calls to XXXX XXXX XXXX and apologies, they continue to bill me and have now turned this account over to a collection agency, i.e. Credence Resource Management , LLC. I do not owe this bill. I was billed a month in advance and paid my bill, this bill was supposedly for XXXX, XXXX, at which time I DID NOT have XXXX XXXX  services. I did talk to a supervisor in XXXX and was told this would be taken care of, but still XXXX XXXX XXXX messages and now collection ... HELP!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-22
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX XXXX Secured Loan- Charged Off {$1200.00} XX/XX/2015

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX on XX/XX/19 pulled credit without my permission in which I did not give them. When calling XXXX they say they did not run hard credit but it shows on my credit reports. I want to see the document to where I agreed to run credit by XXXX XXXX XXXX.I don't want no excuse from transunion or XXXX the blame game. I want proof or removed from my credit file on Regular Inquiries

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 2022-12-15
Company: EQUIFAX, 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:
I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: ENCORE CAPITAL GROUP INC.
State: MA
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 have a debt owed to XXXX XXXX. The problem is 2 separate collection agencies are reporting that they own the debt and I currently have 2 negative reports on my credit. I have disputed both charges between XXXX XXXX XXXX as well as midland funding. They both claim to own this one debt, have added on fees and are trying to collect on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: HW Holding, Inc
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hunter Warfield has purchased a debt I owed to an apartment complex to the amount of {$4900.00}, however they are not licensed to collect in the state of South Carolina. In addition to I have not given written consent to the original creditor, debt collector, nor the credit reporting agencies to report this debt that is non public information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Square Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
XX/XX/2021 - I was the victim of a scam via Cashapp ( three {$200.00} transactions ). I immediately ( within 30 minutes ) reported the fraud and cancelled the card. Cashapp was made aware of the problem but did not take action nor did they refund my account. They simply sat on the issue until the XXXX and refused to refund the account because " the transaction was already completed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: PlusFour, Inc
State: NV
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 had disputed several accounts posted by PlusFour , Inc collection agency in my XXXX  files that belong to my Ex-wife. 
Reporting agencies are supposed to report accurate information but XXXX continue to report accounts thatre not mine. 
PlusFour , Inc is aware that these accounts are not mine, but they continue to report these accounts to the credit bureaus. 
I had disputed these accounts with both XXXX  and PlusFour , Inc. 
The facts are, first I never been at XXXX XXXX XXXX for anything. Second my Ex-wife and my children are cover by my health insurance company that is why they have my name and social security for purposes of filing insurance claims but, in no way, Im obligated to pay for any contract my ex-wife gets into it. 
XXXX XXXX XXXX had summitted claims with the wrong social security number and that is why those accounts were never settled on time, they were settled at a later day and that was an error made by XXXX XXXX XXXX when they used my ex-wife social security number to summit the claims. 
So, getting back to PlusFour , Inc I was never notified of any collections by PlusFour , Inc or their client XXXX XXXX XXXX, I discovered these collections after requesting my credit report. 
Immediately after discovering that PlusFour , Inc had posted these negatives accounts on my credit report I disputed these accounts with XXXX and I requested debt validations directly thru PlusFour , Inc. 
PlusFour , Inc had never responded to any of my request even after I informed them that these are my accounts and they had not produced any documents showing that makes me responsible for these collections. 
I believe that XXXX favor they paid clients and really dont want to upset by requesting full verification from PlusFour , Inc. 
Its not fair that thousands of innocent consumers life is damaged by the behavior that XXXX had shown over the dispute process and collection agencies like PlusFour , Inc that reports inaccurate information without any consequences due to the loop holes in the laws.

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 2016-04-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
Citi Bank partners with concerts that come up whereby you can purchase the concert tickets pre-sale if you have a Citi card. If you do not have a Citi card they direct you to an " Apply Now '' button which leads you to believe that if you are approved you will be able to then purchase the pre-sale tickets. Just to make sure I was n't mistaken on anything I went through the entire online process twice ... No where does Citi indicate that you will NOT be able to purchase the pre-sale tickets if you are approved until you receive their credit card which will take 7 to 10 business days. This in many instances is after the presale offer and then the entire transaction is moot if you have to purchase the tickets when they go on sale to the general public. I applied for the Citi card and delightfully I was approved. I searched and searched for a code or temporary credit card number so I could purchase the presale tickets. Much to my dismay ... I received nothing. I spent several hours on the phone with Citi to see if they could assist me through this process but the XXXX different people I spoke with could NOT help and said I must wait for the card in order to make the purchase. I believe that Citi should conspicuously display on the Apply section when trying to purchase presale tickets ... that IF YOU ARE APPROVED YOU WILL NOT BE ABLE TO BUY PRESALE TICKETS UNTIL YOUR CREDIT CARD ARRIVES WHICH WILL AT A MINIMUM TAKE 7 TO 10 BUSINESS DAYS. I feel this was very misleading and now I am unable to buy the tickets.

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 2023-04-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX  account # XXXX, has violated my rights! 

15 USC 1681 section 602 states : I have the right to privacy.

15 USC 1681 section 604 a, section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

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

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 2023-01-31
Company: Bread Financial Holdings, Inc.
State: FL
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 have officially complained to these companies that I am a victim of identity theft. I did not open these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX And I don't believe any charges made to them are my fault. On XX/XX/2022, I had already submitted the FTC report ; on XX/XX/2022, I contested them with the three bureaus and the relevant corporations. Nevertheless, despite my attempts to fix the situation, they have yet to respond to me and continue to reject removing these false entries from my credit record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: Nelnet, 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: Their investigation did not fix an error on your report

Complaint:
I have been trying to get this Late payment off my credit report for months. I have sent in 5 disputes and nothing is being done. I have sent in proof that I myself are submitting the request to have this removed. I have filled for a full file disclosure and never received it. 

The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). The financing associated with students education is part of their records and should be maintained private according to this law. Client did not opt in at any time for the bureaus to report their student education records.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
For the last four months I have sent dispute letters, validation letters to creditors for items tha are being reported on XXXX and TranUnion for unauthorized inquiries on my Credit Reports. Today which is XXXX I called XXXX and TransUnion only to be talked to rude as XXXX by the representatives. All of my information was involved in the breach and the inquiries that are on my credit reports are unauthorized from fraudulent activity. XXXX removed two but then the rep proceeds to tell me that she ca n't remove the other two because I have to contact the creditors. Well if this was the case or even true then why did she remove the two she removed? No inquiry that is on my TransUnion Credit Report is authorized by me. The rudeness I encountered today was beyond words. I called XXXX and the rep was so rude she would n't even let me get a word in. She then tells me that XXXX is not authorized to remove inquiries, I sat right next to my husband as he talked with reps from XXXX and TransUnion that removed his inquiries without any hesitation. He gave the reps the exact same reason I gave them to have his inquiries removed. The inquiries are preventing me from establishing my credit and stopping me from moving forward in my business. I just want the unauthorized inquiries 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 2023-02-03
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX  Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: Experian Information Solutions Inc.
State: MD
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:
Experian is reporting inaccurate information on my credit report a refuses to investigate properly the accuracy of the information they are reporting i have made several attempts to have it corrected with no success also reporting inaccurate addresses and refuses to delete them aswell

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