BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-07
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
On XX/XX/XXXX I spent 50 minutes on the phone with experian because of an anthem breach to have activation code activated and they were no help whatsoever I had plenty of problems and as I said over 50 minutes on the phone and they still could not help 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 2018-10-11
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: Old information reappears or never goes away

Complaint:
It appears on my credit report through ( rental credit and the XXXX, equifax.com and XXXX that I have a civil action form possession open through a court from XXXX XXXX XXXX XXXX this was placed into the bankruptcy in XXXX. but they keep reporting this information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was on E-Bill with XXXX. I had a very high amount at end to pay. I been making payments during covid to pay off the balance. I have not had service since XXXX and been making payments to pay off the bill. 

I was never made aware that a collection was going to be put on this account since I was making payments with the company. The rep that spoke with me was XXXX # XXXX. She advised she was XXXX   XXXXXXXX XXXX XXXX. I work for XXXX XXXX XXXX XXXX and the employee id 's are XXXX digits. She was not in fact XXXX, and advised there was nobody above her I can speak with. She was very rude and unprofessional I informed her I was making payments to pay this balance off. She also kept saying they sent notice to collection but said I didn't give correct address. She couldn't give me any details to what address she is showing. The letter to this collection is the correct address I am living at. If they sent me this letter ; they must know the address. She was rude and would not provide any of these details.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT ACCOUNT 3. XXXX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2021-04-05
Company: CIT BANK, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For the second time in two years, the servicing company, CIT Bank, has tried to force me to buy insurance on my home despite the fact that I have insurance in place. This year, the sent me a notice that was dated XX/XX/XXXX that stated my fire insurance policy had expired in XX/XX/XXXX. The letter stated that I had ten days to put in place a replacement or renewed policy or they would put their own policy in place at my expense. They chose not the mail the letter until XX/XX/XXXX ( I have the envelope showing the postmark date ), which is more than 10 days after the date of the letter and after the 10 day timeline they stated in their letter. I tried to call them to discuss but every phone number they provide is set up to only provide recorded messages. I can find no telephone number for this bank that will allow you to speak to a real person. The other problem with this situation is that my insurance policy runs from XX/XX/XXXX to XX/XX/XXXX. I do not have a policy that expires in XX/XX/XXXX. I submitted to their online portal my current policy, but they sent a response saying my submission was inaccurate or insufficient. The provided a number to call but again, that number only provides voice prompts and gives the caller no way to talk to a real person. Therefore, I have no idea why they deemed my submission of my accurate insurance policy as inaccurate or insufficient. How am I supposed to get this resolved if they refuse to allow me to talk to anyone in their organization?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello my name is XXXX XXXX, I am writing you because AFNI creditor is showing up on all three of my credit report. It is a XXXX XXXX XXXX bill in the amount of {$100.00}. I pulled my credit report a couple of weeks ago and I noticed this collection in my credit file. I called AFNI because I never opened an account with XXXX XXXX XXXX. The account is under XXXX XXXX and my name is XXXX XXXX. I have called several times trying to get this issue resolved. To add insult to injury the representatives I spoke with were extremely rude! This is not my collection account and it is ruing my livelihood. I am a victim of " IDENTITY THEFT '' I also a victim of Hurricane XXXX. I lost everything I am trying to get my life back on track. I am asking you to please assist me in this matter. This is not my collection and it is not fair for this collection to be reporting on all three of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: Experian Information Solutions Inc.
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:
they have not responded asked for validation of the debt

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 2020-08-25
Company: Cedars Business Services, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The amount of {$14000.00} was reported on my credit report by Cedars Business Services I do not have any knowledge of this account. It does not belong to me. I request it to be removed and deleted from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit bureau still have inquiries on my report that do no belong to me. I sent in the documents that they asked me to send in. They told me the process would take 72 hours. This was 18 days ago. I called and I resent the required documents. They confirmed receiving them. They are still showing. I was told that the items would be removed after I sent them the required information. 
These need to be removed 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 explanation
Consumer complaint received 2019-11-17
Company: Specialized Loan Servicing Holdings LLC
State: SC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My mortgage was transferred from XXXX  XXXX XXXX to Specialized Loan Servicing.  They are not recording my payments. They are threatening to foreclose. I have spent 6 weeks of phone calls and emails every other day from them claiming no payment has been made. When we call, they blame accounting for one payment but say they haven't seen any others. I have proof from two banks. I have given them this information over the phone repeatedly. I don't know where else to turn.

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 2020-11-22
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My son sent me money he owed me. Paypal received the money but they would not release it to me ( deposit in my bank account of record ). I pestered them about it and they sent me an email saying I had to send them my DL, copy of tax return and bank statement. I stupidly did so, and then I get an email saying I broke their term of usage and could not use their service. I tried to close my account because I did not want them having my banking information anymore and I can't close my account. They say there is a problem with my account ( that they cancelled )! I have tried dozens of times to contact their customer service and all I get are robotic replies. I just want to close my account.!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Bankruptcy 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 2021-04-05
Company: AES/PHEAA
State: IL
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:
American Education Services, which is connected with the Pennsylvania XXXX XXXX XXXX XXXX, has serviced my student loans which are XXXX XXXX loans, even though I don't currently, have never and didn't attend school in Pennsylvania. Due to COVID, federal student loans have been placed on deferment with interest frozen and payments stopped.I reached out to this company to make sure my loans were included and waited weeks to initially hear back and then spent months getting the run around with no specific answers until after threatening to go to the Department of Education they let me know I actually had XXXX loans and that they weren't covered under the CARES Act. My loans had been accruing interest the entire time. After discovering that they were XXXX loans I asked about a direct consolidation that would then make them eligible for the relief as well as any possible federal forgiveness in the future. It has now been XXXX months since I inquired about that and still no response. This " company '' is nothing but a scam and their " customer service '' is a joke. In one of the correspondences I asked about the Service members Civil Relief Act since I spent a decade in the XXXX and was supposed to have a cap on the interest charged and after a week I got a response that says they'll look into it and get back to me. As of this writing they still haven't said anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Nelnet, Inc.
State: SC
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:
For the last six months I have been disputing with the three credit bureaus and no resultion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: First Advantage LNS Inc.
State: VA
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:
I am trying to settle a debt that I have no idea where it came from. The company said they cant offer me a lower amount and I dont have time to continue to play phone tag and keep trying to explain I was a victim of credit theft. I filed a police report and put a freeze on my social security number because of this and other stuff. This is attached to my social and my husbands social. Instead of debating with everyone, I just asked to settle the account. But paying over {$3000.00} is ridiculous when I dont even know what its for. 
The woman at the company was very nice but she said she had to follow policy and that was to only offer me 20 % off. That is insane.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-24
Company: CNG FINANCIAL CORPORATION
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
First they contacted me as XXXX XXXX XXXX on XX/XX/2020. They stated that I owed a debt of {$4400.00} but that the outstanding debt they wished to collect right now was {$890.00}. They informed me that they were going to A. put a hold on my Social Security number, B. charge me for violation of Federal Banking regulations, collateral check fraud, and theft by deception C. contact my employer directly. 
I informed them that these actions were against the FDC section 805 and 806 and that I requested to no longer be contacted in ANYWAY  through a response to their email. They stated to respond to them but gave no phone number. When I called XXXX XXXX XXXX to find out what was going on, they told me they had no such account. 

I received 1 phone call after this from Check N ' Go. 

Then I received ANOTHER email from Credit Repair Groups on XX/XX/2020 with the same threats however the outstanding amount was {$1200.00} and the settlement amount would be {$890.00}. They also added that they will report me to the FDC and to my bank establishment. They stated that I must respond to them in 72 hours but gave no phone number to do so. I emailed again to inform them that I was not to be contacted and that I was going to report them. 

I received 2 more phone calls from Check N ' Go. 

On XX/XX/2020, I received ANOTHER email from XXXX XXXX XXXX. They gave me a case file number and stated that they will now be garnishing my wages. This time the amount was {$1300.00} outstanding and the settlement amount was {$930.00}. I was going to end up paying {$2400.00} because of the amount I owed and fees. They stated that they will now contact my employer to garnish my wages. I informed them that they did not provide any phone number to contact and settle nor did they provide the company in which I had this " contract '' with. I also informed them that the company they were supposedly trying to collect from had no record of my debt. 

They sent a new email informing me that the company trying to collect my debt was XXXX XXXX online or XXXX XXXX XXXX and that they were a parental payday advance company. They gave me a list of names of their affiliates, subsidiaries, and family companies. Check N ' Go was on that list. 

When I checked on the " court case '' number they provided, I found it was linked to multiple OTHER false court cases that didn't actually exist and were worded EXACTLY how my email was. So they're threatening me with a non-existent court case. 

This makes 4 threatening emails and a total of 3 calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: Experian Information Solutions Inc.
State: CO
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 made several attempts to get incorrect information removed from my credit experian report : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX for an account that was closed in XXXX and was last paid on in XXXX. 
I have requested that experian validate and provide the copies of information to prove they have the right to put negative items on my credit report. On XX/XX/XXXX I call and emailed a copy of a letter from my Attorney that was sent to the Creditor ; XXXX XXXX XXXX 
Experian updated the dispute on XX/XX/XXXX again to show a negative mark and my credit report is still not correct. 
I can provide a copy of the letter from my Attorney.

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 2017-08-01
Company: Experian Information Solutions Inc.
State: NJ
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:
Today, XXXX XXXX,2017, Experisn made changes to my report that resulted in a 56 point drop in my score. When I called no one is able to tell me why. One account was reinserted XXXX. The account was deleted and should n't have been reinserted because they failed to reply within 30 days. Irregardless, that should n't have resulted in s 56 point drop in my score. Moreover, the drop in score came one day after I inquired about refinancing the XXXX car loan for a cheaper interest rate from a bank that uses the Experian credit score.

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 2021-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
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: Problem with personal statement of dispute

Complaint:
I could not afford my car because of a hardship I gave my car back they sold it at the auction they are willing to settle with an amount of XXXX I made a payment so my new balance is XXXX I have untill XXXX I plan on paying it Im making payments I called because of the hardship I asked if they could remove it when its paid in full they said they cant I would have to reach out to someone else it can be removed I also asked them for pay for removal I was not allowed to speak to the team that removes them I am trying to go through a program to buy a house but its stoping me so I asked them kindly if they would remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: EQUIFAX, INC.
State: AL
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 several accounts in which I paid for less than the full amount in which I was sent form XXXX. XXXX, XXXX XXXX, XXXX, XXXX, and these accounts should n't be on my credit report I 've tried on three occasion to dispute these charges but XXXX XXXX and Equifax wo n't budge only saying that they are verified in which they are not

Company response to consumer: Closed with explanation