BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I made a XXXX dollar mobile deposit on XX/XX/2022 they gave me XXXX dollar credit and put a XXXX dollar hold on the remaining balance for seven days. I called to ask the reason for the hold and their response was that I had a low balance of {$8.00} on XX/XX/2022 and that was the reason for the hold. I am a low income single dad and this situation has caused me a great deal of financial trouble.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: CITIBANK, N.A.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2022, at about XXXX, I was XXXX XXXX XXXX XXXX who went away with my vehicle and other valuables including my wallet which contained my drivers license and other bank cards. The XXXX  police was notified and the case number is XXXX. Apparently, my ID card has been used to create and loan goods from Home Depot at several locations. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is a collections company contacted me with 3 different bills as follows : account number XXXX charged {$3900.00} Account number : XXXX charged XXXX Account number : XXXX charged {$4000.00} I did not make any of these purchases and I do not know if many other accounts have been charged claiming to be 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 2021-02-09
Company: Flagstar Bank, N.A.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Lender had been placed policy cause of lapse make a payment by mortgage to home insurance I had made renewal on XX/XX/XXXX20 ahead of insurance expired XX/XX/XXXX20 also had informed mortgage for billing, amount and fax them a declaration page then on XX/XX/XXXX20 I had receive a call from insurance about the payment then I had directly call mortgage /insurance department and had them both on the line then they promised to make a payment then balance was added to my account for {$1500.00} on the next day as my understanding I had got all covered until I've receive final letter from mortgage on XX/XX/XXXX20 mention about my house wasn't have insurance cover then I had call insurance to get all it fixed then email mortgage a prove of previous policy as I wished I wouldn't have to pay for any extra then got balance of {$500.00} added to my account on XX/XX/XXXX20 for lapsed cover from mortgage then another {$150.00} on XX/XX/XXXX20 from my insurance cause of premium rate increased while the house is not insured then I call mortgage for several times and I had been speaking with several person for the charged and each person gave me difference reason until I was asked them to get it reveres also responsible for premium charged from insurance because I had handed all information to mortgage and they had promised to make a payment to insurance since we last confirmed so It shouldn't turned out by got me pay for all extra charge cause of delay of payment by mortgage, then I had mortgage review my request for twice its turned out a carriere fault the mortgage sent out a check on XX/XX/XXXX20 but it was delay on transit then insurance was cut on XX/XX/XXXX2020 because payment never received on time as promised and I never ever receive any notice before they had cut my house insure until I found out from mortgage on XX/XX/XXXX20 as a result of second review they should clearly see that was not my fault and of course not insurance fault as well then I was question to mortgage about follow up payment they should be ensure that the payment should be received before due date and also they should be aware about the insurance was already expired on XX/XX/XXXX20 which is mean they have not much time left before insure had cut before sent out a check as a regular mail on XX/XX/XXXX20 why not make overnight payment instead? 
the answer from mortgage is not as they fault and even though their had relied it was cause of unusual pandemic of covid-19 could delay the carrier as it took longer period of time for proceed a check to receiver and it was too late for insurance to keep house cover more than 30 days without payment and insurance they could not back date as we tried to asked them for help, also mortgage still charge me for {$500.00} whatever reason I had proved 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 2023-08-30
Company: Credit Control, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

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 2022-09-10
Company: SELECT PORTFOLIO SERVICING, 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 information incorrect

Complaint:
Dear CFPB, In XXXX through XX/XX/XXXX Select Portfolio Servicing ( SPS ) approved me for COVID-19 Forbearance Plans ( *with no impact and no negative credit reporting to my credit file ) of which I rmade all of the payments. 

SPS then approved me for a COVID-19 Permanent Modification ( {$1500.00} per month ) in XX/XX/XXXX, which was also under conditions that the COVID-19 Permanent Modification would not negatively impact my credit. 
SPS Representatives informed me on their website, by telephone and written correspondence that my account would be reported as current and there would not be any negative impact to my Credit File/Credit Score for being approved for SPS 's XXXX Forbearance and Loan Modification Plans. 

As of today, XX/XX/XXXX, I have remained current and have never been late on any of my mortgage payments On XX/XX/XXXX, I received a Credit Alert from XXXX that indicated SPS Flagged my Credit File as a Loan Modification. By " Flagging '' my mortgage as a Loan Modification, SPS has caused negative impact and negative credit reporting to be placed in my Credit File. 

As a result, SPS has not honored their stated/agreed upon conditions that the COVID-19 Forbearance Plans and COVID-19 Loan Modification would not have any impact to and would not negatively impact my Credit File/Score. 

As of XX/XX/XXXX, my Experian Dispute Results on my Credit File reflect SPS listing my Principle Balance as {$190000.00}. This is incorrect as my Outstanding Principle Balance on my SPS Statement reflects the correct balance as {$190000.00} ( see uploaded attachment ). 

Please note that I DO NOT have PMI and my mortgage payment of {$1500.00} includes property taxes, escrow and Home Owner 's Insurance. It may be possible that SPS is not properly and/or inaccurately distributing and not taking into account my mortgage payments since Late XXXX through XXXX of XXXX to include property Taxes, Escrow, and Home Owner 's These are SPS 's error to correct and not mine. My Credit File/Credit Report should not be negatively impacted because of SPS not keeping their conditions by placing negative information on my Credit File/Credit Report, along with errors, inaccuracies, and incorrect information reported by SPS. 

Additionally, I have made several complaints with the CFPB against SPS in the recent past of XXXX and in XXXX for inaccurate credit reporting ( inaccurate balances ) and related issues that have negatively impacted my Credit File/Credit Report, but were subsequently corrected by SPS. 

Thank you for your help. 


Sincerely, XXXX XXXX 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 2023-06-24
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have two closed accounts with XXXX  XXXX XXXX XXXX XXXX account number XXXX. A line of credit and credit card. I am still making payments on the accounts. I have never been late, not once. XX/XX/2023 I received a late payment for both accounts. The rep stated I was {$1.00} short on one account and {$5.00} on the other. My accounts are closed and I have to call in to make the payments, so if I was short it was due to paying whatever minimum the rep stated. When trying to settle this with XXXX I was told to dispute with the credit reporting agencies. I disputed with them and heard nothing back. The late payments hurt my report alot. As stated before I have never been 30 days late and with XXXX. I would like the late payments AND the remarks to be removed. Every payment should show paid on time, because it was.

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 2022-12-13
Company: Experian Information Solutions Inc.
State: MD
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:
My student loans were discharged in XXXX of 2022 after I applied for the XXXX student loan discharge program. It was XXXX through XXXX but they are telling me that they are not the ones to report that information to the credit bureaus. I then reached out to the credit bureaus to ask about who has been reporting my student loan status for the past 7 months since it has been XXXX and they told me that the holders on the student loan accounts are XXXX XXXX XXXX and that only they can make changes. I also reached out to XXXX XXXX XXXX and they told me XXXX should be reporting since they were the ones to discharge the student loan. I then disputed my student loan with the credit bureaus for showing inaccurate information and status and the report came back as ; correct posting that the information on my report that reflects it still having a balance is accurate. Both XXXX and XXXX XXXX XXXX have confirmed that my student loan is paid in full and that my balance should be {$0.00}, closed paid in full.

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 2021-01-19
Company: Granite Edvance Corporation
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:
I consolidated all of my student loans in 2002, both XXXX and XXXX. I now have two very large loans and they have been in Income-based repayment for years now. My issue is that these loans were placed in deferment status for 11 years. Because of this, these years don't count toward the 25 years of payments in my repayment program. I know that loans should not be in deferment for longer than 3 years. So, I need to know if the status can be changed from deferment to another classification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 
Below are the errors I have identified : XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXXThose payments were made 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 2023-06-24
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:
Theres a collection account from XXXX XXXX from XXXX XXXX that does not belong 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 2022-09-10
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My xwife has remodified my loan, and manufactured XXXX XXXX XXXX  stating I was on XXXX XXXX... .I 've never been in the military, and NOBODY seems to care about this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I contacted the ATM owner after it malfunction on me and kept the {$100.00} I was trying to withdraw. It deducted it from my banking account but did not dispense the cash. The ATM company would not give me the money it withdrew from my account. They gave me the run around and sent me to my bank, even though it is there machine, and their mistake! I needed the cash when I initiated the transaction. Now not only am I having to do all the recovery work, I'm incurring many inconveniencies due to their machine 's malfunction. I can NOT wait 10 business days for satisfaction!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
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 have tried repeatedly to get them to give me the information on these collections accounts on my credit report. I have asked them to verify the items listed. ( Credit Bureaus ) All three credit bureaus claimed they have. Since XX/XX/2020 I have been calling and mailing all three trying to get the information on my reports correct. I have been met with rude agents from all three bureaus and non response from all three concerning my letters and calls. 

I have sent letters to the collection Companies asking them to give me the information regarding the accounts and they have failed to do so for two months now. So HOW is the accounts getting verified by the credit bureaus? Since my disputes started all accounts listed have been closed on my credit report because the companies can not verify the debit .. I want them removed from my credit reports because if the collections companies can't respond to me with 60 days then how are the credit bureaus verifing the information? Why close all the accounts if they verified them? Closing them is not enough!!! I want them removed!!!

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
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: Reporting company used your report improperly

Complaint:
The family educational rights and privacy act ( FERPA ), a federal law enacted in 1974  that protects me from the privacy of student education records for XXXX   Any public or private elementary secondary or post secondary school under 20 USC 1232g ( b ) this needs taken off my report immediately.

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 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

XXXXXXXX XXXX : Account number XXXX Credit Account XXXX XXXX XXXX Account number XXXX Credit Account XXXX XXXX : Account number XXXX Credit Account XXXX XXXX XXXX : XXXX Credit Account XXXX XXXX XXXX XXXX XXXX XXXX  : Account number XXXX Credit Account Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Attached are the following : * NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA * A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers of that information. 

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, 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 2023-06-24
Company: Experian Information Solutions Inc.
State: VA
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:
Under Law ( 15 usc 1681a2 ). All three credit bureaus have been falsely reporting an account XXXX XXXX XXXX that should not be in my credit report. I have never done any business with this company ; nor did not give written permission to have this account furnished in my credit report. 

XXXX XXXX Experian 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 2023-04-18
Company: Experian Information Solutions Inc.
State: MD
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 please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2021-02-20
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Close to 60 DAYS, for the investigation. 

Law requires 30 days. 

Equifax did NOT ask for an extension.

Company response to consumer: Closed with explanation