BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-17
Company: Experian Information Solutions Inc.
State: NC
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:
You need to get this XXXX off immediately as it is not authorized and damaging to me and XXXX be actionable for statutory damages and punitive damages.. 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 If you do not remove it from my record, please provide me with written proof of every detail shown in your entry

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 2019-08-17
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2019 I called XXXX bank to have my monthly car payments withdrawn on the XX/XX/XXXX of every month startingXX/XX/XXXXXX/XX/XXXX until further notice. I went away for my birthday week and expected my bills and car to be automatically withdrawn as I was assured and told by XXXX at XXXX that I was all set up and my automatic payments would start XX/XX/XXXX. I received myXX/XX/2019 bank statement from my personal bank and saw my car payment did not come out. I immediately called XXXX and was told they have been having computer issues and will fix my account. I paid them XXXX XXXX as they said I was 33 days behind. I paid up in advance. The next 3 days o received a notice from experian that o was two payments late. I called XXXX to fix this and another women told me I had to dispute this issue. Well I did to all 3 credit bureaus, the following day. I had update to my payment and Iam current but the late charge for XX/XX/2019 was not my mistake. I have been paying two years and excellent payments. This has hurt my further as my credit score dropped and I have had my credit scores in the 700s for my hard work, me being responsible and me paying my bills on or before my due date.

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 2020-11-19
Company: CURO Intermediate Holdings
State: IL
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:
These accounts were fraudulently opened and maintained. I've contacted each company and communicated with them that they were fraudulent. To no avail, as they keep calling to get me to pay on an account, or with promotions for existing account holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: ONLINE Information Services, Inc.
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt was originally sold by XXXX to a company called XXXX   XXXX XXXX. I set up a dispute via XXXX and this debt was deleted in February of 2019. The original dispute report number via XXXX  is XXXX for $XXXX. This same debt was then given to a new collections company called Online Collections. I set up a new dispute via XXXX and lost that dispute. This collections account is only showing up via XXXX at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Williams & Fudge, 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 checked my credit and saw an account from Williams & Fudge for XXXX XXXX XXXX for {$850.00}. At the time that I ended the school program, I lost my job and was the victim of a XXXX XXXX that caused my kids and I to become XXXX. Therefore, I was unable to take care of my monthly bills. It has taken some time to fully recover and now COVID19 has caused my employer to furlough my role. I am trying to fix my credit and right some of the wrongs. the debt is five years old, so I would like to settle with {$400.00} and have the debt deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
***COVID 19 FRAUD .. 2020 CARES ACT LAW VIOLATIONS*** Our mortgage qualified for the Covid 19 forbearance plan, and Nationstar is reporting the loan as past due while scaring the homeowner. They are also not giving the consumer the option to pay the for the forbearance at the end of the loan. Faced with a {$200.00} million quarterly loss if they follow the law, Nationstar has decided to steal homes from victims of the 2020 pandemic.

I am not making this up ... attached are copies of the correspondence received you clearly see " you qualified for covid19 assistance '' followed by " all payments are immediately due '' and " your loan is overdue '' signed by them. 

This loan was also originated with loan origination fraud, Nationstar and XXXX Mortgage admitted required items were left off escrow at loan origination ( copy o attached also ) but they claimed that escrow fraud and theft of escrow was well within their rights. 

Loan fraud and escrow theft was confirmed by a XXXX XXXX detective on this file and it was forwarded to the FBI IC unit. I assume Covid19 is slowing the prosecution of XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
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: Information belongs to someone else

Complaint:
To Whom It May Concern : I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible! 

The accounts I am talking about are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Cash Express, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I have been behind on my payday loan for more than 30 days along with a flex loan. Things happened such as car repairs, family emergencies and XXXX problems that made paying on time just impossible. I get letters to call this collection lady but she never returns my calls. I want to work something out but it's hard to do when they ignore you. Ive had good payment history with all my Bill 's till recently so this wasnt done on purpose. I've even tried to go in and pay on certain days and before the date arrives they run the checks and flex payment thru the bank. I've been charged XXXX in overdraft charges that could have been prevented if they had held up their side of the agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Convergent Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed an original complain to remove this derogatory mark on XX/XX/XXXX. In the response to that claim XXXX XXXX, XXXX stated that the debt that does belong to me. XXXX XXXX, XXXX also stated that they send and the mail to me which I never received. My last name is spelled incorrectly and the last 4 digits of the phone number listed are not the digits for any member of my family plan. 

My payment history with XXXX is included below to showcase that over the past year my balances were always paid off in full, including the payment in XX/XX/XXXX. 

I have spoken with a XXXX representative XXXX ( XXXX ) @ XXXX who assured me that my account is in good standing and has no issues at all and prompted anyone questioning it to contact him directly for references purposes, in order to confirm my statement. I've attached XXXX ( XXXX ) @ XXXX email

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 2020-09-01
Company: EQUIFAX, INC.
State: AZ
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 continues to somehow reappear on my credit report showing that I owe them money after these accounts have been closed. These private student loans were opened 12 to 20 years ago, yet somehow XXXX manages to continue to hit my credit report. Just today when I checked my credit, they say I owe them over {$200000.00} in private student loans that are 12 to 20 years old. This dropped my score by over 40 points. I continue to dispute this with the credit bureaus and it gets removed, then months to even a year later, XXXX reappears again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: Santander Consumer USA Holdings Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2019 I called Santander bank to have my monthly car payments withdrawn on theXX/XX/XXXX of every month starting XX/XX/XXXX until further notice. I went away for my birthday week and expected my bills and car to be automatically withdrawn as I was assured and told by XXXX at Santander that I was all set up and my automatic payments would startXX/XX/XXXX. I received my XX/XX/2019 bank statement from my personal bank and saw my car payment did not come out. I immediately called Santander and was told they have been having computer issues and will fix my account. I paid them Santander XXXX as they said I was 33 days behind. I paid up in advance. The next 3 days o received a notice from experian that o was two payments late. I called Santander to fix this and another women told me I had to dispute this issue. Well I did to all 3 credit bureaus, the following day. I had update to my payment and Iam current but the late charge for XX/XX/2019was not my mistake. I have been paying two years and excellent payments. This has hurt my further as my credit score dropped and I have had my credit scores in the 700s for my hard work, me being responsible and me paying my bills on or before my due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: DOAN SOLUTIONS
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was contacted by Doan Solutions by a guy names XXXX XXXX. As of the date XX/XX/XXXX I have paid {$450.00} to have my loans consolidated by this third party that seemed to know how to get me into a forgiveness program with fed loan. For the last month of XX/XX/XXXX I had an automatic payment set in place for XXXX $ to be taking every Friday up until past XX/XX/XXXX. I was told by XXXX XXXX Agents that I could have did the processing myself free of charge. All services are free of charge through XXXX XXXX & Department of education through the XXXX   college I went too. ( XXXX XXXX College ) I dont know how they came across my information but they got enough money from me for services that are free. XXXX told me that the total amount to get my loans out of default & into a payment plan it would be a total amount of {$690.00}. I have stopped making any further payments from this third party but would like my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-18
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
To Whom It May Concern : I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts.

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible! 

The accounts I am talking about are : 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 2021-03-27
Company: Experian Information Solutions Inc.
State: NY
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:
The following fraudulent accounts are being reported to my credit reports : XXXX XXXX Bank XXXX XXXX XXXX Acct # XXXX - amount {$300.00}. 
XXXX XXXX - Acct # XXXX -Amount {$540.00}. 
XXXX XXXX XXXX XXXX XXXX # XXXX Amount {$80.00}. 

I am a victim of identity theft and I am not responsible for these above-stated accounts.

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 2018-02-27
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: Account status incorrect

Complaint:
I'm a XXXX XXXX XXXX XXXX Veteran, I had a home financed with XXXX XXXX XXXX Account number XXXX for my VA home loan locations of home XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX mailing address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX For the past SEVERAL years i have told XXXX XXXX that my loan was transferred to the VA and XXXX paid off, yet XXXX XXXX continued to Lie, Misled, Alter documents and records and submitted for several years false and inaccurate information thus damaging my personal credit, XXXX refused numerous times to correct the Credit Reports and continue to lie and caused me serious financial hardships and higher loan interest rates etc .... This went on for years even the Credit reporting agencies told me time after time that XXXX reuses to correct the problems and it continued harm me. 

Finally XXXX XXXX got caught and I received a letter that XXXX now admits they erred for years on my credit and loan on my home. This letter received last week admits the problem and they now years later are letting me know they screwed up my credit for years. It has cost me dearly to the amount of over {$11000.00} in financial loses and denials, and higher interest rates all because they lied. Knowlingy misled me, other banks, credit cards etc. all causing me financial ruin.

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 2018-10-01
Company: LAKEVIEW LOAN SERVICING, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
mortgage Servicing company ( XXXX  ) has not paid my property taxes ( {$7900.00} ) despite more than sufficient funds in my escrow ( $ XXXX ).  see attached files. both tax and mortgage statements attached.

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 2021-03-16
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have asked this company many times to provide me with actual documents with an actual signature for this loan that's showing on my report. Anyone can use my name and social and anyone can use the address they have in file. Show me the actual proof of these documents. Not scanned copies, no photocopies, the actual documents. As well as social security number used. There are are quite a bit of people with the same exact name in this area

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: EQUIFAX, INC.
State: FL
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 signed for a trial plan with Equifax credit monitoring service. Unfortunately I was out of the country over this past 4 days and had no access to my emails which gave me the information or alert to cancel my service. I returned last night, but was able to call this morning after receiving a charge for XXXX to my card, called their customer service advised them that I already have a service that I use and no longer wish to use their service and wanted my XXXX charge refunded I do n't want to use it for another month.. The service representative attempted to offer me service for half off .. I explained no I just want my money back and he said he could not refund me my money back.. Why would I pay for something I no longer wish to use? All I want is a credit back for this service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: SYNCHRONY FINANCIAL
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2017 my wife received a call from XXXX and associates stating that she owes a debt from over 20 years ago. Said that the following Monday judgment on a lawsuit would be placed and that the debt will be seized from our personal checking account. The company had all our personal information. I realized that it was a scam. They were going to charge my credit card for that alleged debt. I called my credit card company and told them that please do not accept the charges from that company because they were trying to scam me. They made 2 charges. One for {$1500.00} and the other for {$2500.00} for a total of {$4000.00} After the charges were made I submitted a dispute. Later the merchant sent them two forged receipts with my wife name. I sent them proof that the signatures were not alike but they still accept the fraudulent signature. It has been 3 years back and forth with the disputes. XXXX  and associates does not respond and I have reported them to various agencies. The only thing left to do is report my credit card for not protecting me from these charges. The credit card company obviously has not reviewed all the documents I have sent them because they keep sending me letters claiming that I signed for purchases. When obviously nothing has been purchased. They respond with pre-written letters. I need help with this issue because the debt is not mine and its not fair to have to pay for this and I do not think my credit should suffer from this because I have a good credit rating and I am responsible paying all my bills on time.

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 2021-04-29
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I don't know how to go about getting this corrected so I was told to file a complaint if thingson my credit were incorrect. My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX OH XXXX. My DOB XXXX My SS # XXXX. I found an incorrectspelling of my name ( XXXX XXXX ) not name please delete it. I was looking further intomy file I found addresses that I never lived at. Please delete the following unknownaddresses : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH 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