BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Credit Bureau : I pulled a copy of my credit report and noticed a fraudulent account. 

Creditors : XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX   XXXX XXXX  Account : Reason : i I have been a victim of Identity Theft. The following accounts are fraudulent : To protect myself from further harm, I have filed a police report and an Identity Theft report. ( See attached reports. ) I have submitted request to Consumer Financial Protection Bureau to received documentation regarding these matters and the companies have not responded in a reasonable amount of time. These fraudulent accounts were not authorized by me.. 
Thank you. 
Attached is the police report and Identity Theft Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-30
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: Was not notified of investigation status or results

Complaint:
I first found in XX/XX/XXXX that my SSN was compromised, and have been diligently watching my credit history ever since. On XX/XX/XXXX, when I tried to check my credit report at XXXX, XXXX XXXX report was pulled after I provided my SSN and other identity information. From the report, I found that XXXX XXXX ( a.k.a XXXX XXXX or XXXX XXXX XXXX ) in California opened 18 accounts with 11 different financial institutions using my SSN in the past 11 years. I did not open or authorize these accounts, and have requested all relevant institutions to close those accounts immediately. 

I sent a letter of explanation to XXXX on XX/XX/XXXX, requesting it to separate the ID thief 's information from my SSN. I never received any response from them other than my own credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 SYSTEM IS BROKEN,,, HOW CAN ONE BUREAU REPORT ONE THING AND THE OTHER SAY SOMETHING DIFFERENT. IT'S A VIOLATION TO DO THAT! THESE COLLECTION/CHARGE-OFFS ARE REPORTING INACCURATELY AND NEED TO BE REMOVE IMMEDIATELY. LATE PAYMENTS REPORTING AFTER ACCOUNTS BEING CLOSED. CLOSED-ENDED ACCOUNT AND CAN NOT HAVE LATE PAYMENTS. THIS ACCOUNT IS IN COLLECTION MEANING THAT THERE SHOULDN'T BE REPORTING OPEN, NO LIMIT, NO PAST DUE AND NO PAYMENT STATUS. REMOVE IMMEDIATELY. 
DATE LAST ACTIVE, DATE OF LAST PAYMENT, LAST REPORTED.INACCURATE ... ... ... VIOLATIONS!!!! INQUIRIES NEED REMOVING AS WELL. 
1. XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: Finance System of Richmond, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account with the credit bureau 's because it does not belong to me, yet, it still remains on my credit. Upon investigation of my own, I have found that they are not licensed to collect debt in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
To whom it may concern : I have an account on my file from a collection agency named Midland Funding LLC. The account number is XXXX. Please be advised that I am disputing this collection due to the fact that Midland Funding LLC XXXX. XXXX XXXX XXXX XXXXXXXX CA XXXX does not currently have a valid license in Illinois to collect on debts. This information is stated in the IDFPR website along with the Illinois Secretary of State website. I am requesting that you investigate this matter and delete this account from my credit file immediately or provide me with physical proof that Midland Funding LLC is licensed to collect debts in Illinois. Your immediate response will be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Shellpoint Partners, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern, Regarding loan # XXXX.Respectfully, we have been trying to make payments on our loan, but Shellpoint has been sending mail to the wrong address to a deceased person. We have always made our payments via check/physical mail. And we have not received a stament since it I was going to the wrong address. This is all related to the MSR transfer from XXXX to Shellpoint. 

We were also not informed in a timely manner that our mortgage was transferred to Shellpoint from 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 2018-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Capital One intentionally destroyed my credit. Capital One had incorrect information on me and did not notify they were about to report derogatory information on my CBR. I was finally notified by a representative 5 days ago and contacted daily sometimes twice when I became 34 days past due. The representative appeared to be unconcerned about my issues concerning the derogatory reporting. This was simply an oversight because I thought my spouse mailed payment as he mentioned he would. I have multiple accounts with Capital One and have never been a collection issue. Most creditors notify you prior 30 days past due to avoid derog reporting, so apparently Capital One had incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has come to my attention that I have been a victim of identity theft. Over the past few months I have been receiving a ton of denial letters and collection letters from creditors that I do not recognize. These letters led me to pull a copy of my credit report with XXXX XXXX. That's when I found that my credit had been compromised.

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 2020-08-21
Company: FIRST CITIZENS BANCSHARES, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello, I opened a checking and savings account with First Citizens Bank back on XX/XX/2020. The account I opened was part of a promotion that I open the checking and savings account, make ten debit card transactions within 90 days, enroll in estatements and open a new savings account.

I made ten debit card transactions on XX/XX/XXXX. 
I opened a savings account on XX/XX/XXXX. 
The terms stated that my account would receive the {$300.00} checking account bonus no later than 120 days from qualifications being met. 120 days from XX/XX/XXXX is approximately XX/XX/XXXX. 
I have still received no bonus. 
Throughout the promotion I sent messages to the bank asking if my account was properly enrolled in the promotion of which they confirmed it was. After XX/XX/XXXX I have asked where my bonus is and all they tell me to do is call the local branch, which I have done and they will not honor their promotion. 
Please assist me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-21
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Initially, a theft with a duplicate number disputed my entire balance and I had to fix this error. They lied to American Express by pretending that they were me over the phone. Might I add that I had Amex since completing college. These hackers are evading all of my credit cards. They are trying to ruin my life because of jealousy. They are hacking several cards and making fraudulent charges. I like using American Express. I, never, only had {$7.00} to utilize. 


Anyway, this particular month I paid {$40.00}. I was only given {$7.00} to use. The ceo allowed someone to steal almost {$40.00} in credit. If you calculate my balance last statement and the amount that I paid, I should have had at least {$20.00} to spend. I contacted XXXX and the payment that posted from Amex was rejected. I had to pay with a different XXXX card. 


These criminals are dangerous. They are hacking my banking accounts and credit cards with a duplicate number and these CEOs are protecting them. I lost about {$20.00} in credit. This is occurring with many of my credit cards. I need to have these people blocked from accessing my accounts and credit cards. How do I prevent hackers from making purchases on my account. I have a XXXX  and other health problems I dont need the stress. 










Sent from XXXX  Mail on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: EQUIFAX, 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:
Account # XXXX - XXXX XXXX XXXX 15 USC 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 account without my instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
There is a report on my credit report by XXXX XXXX  it was a PRE PAID credit card. They did not open the account until they took my money in full and after send a card with the amount available. They closed my account and are reporting on the credit report as a revolving account and as a charge off. Which is incorrect information since they had the completed balance amount in full upfront and they are a pre paid credit card. I requested both that all the credit reporting agencies and the actual credit company to correct this information and remove this incorrect information from my credit report to no avail. I need help rectifying 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 2020-10-14
Company: Harvard Collections, LLC
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:
There is a fraudulent collection account reporting on my credit. Despite attempts to contact the collection company ( harvard collection ) and informing them that this is NOT MY ACCOUNT, they continue to report on XXXX. Please suspend any further reporting and collections on this account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: SYNCHRONY FINANCIAL
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I applied for a Verizon credit card offered through Synchony Bank. Synchony issued the card on XX/XX/2020, but the card carried a very low credit limit and the bank informed me it was because of credit issues  shown on my XXXX credit report and the bank had issued a low credit score. 

I contacted XXXX  to review my FICO  score ( which is very high ) and confirmed there were no negative issues on my report. 

Synchony 's notice letter to me included a customer care phone number which was non-functioning, so I contacted customer service listed on their website. While they initially stated that my low score was issued by XXXX, they subsequently admitted that Synchrony creates it's own scoring system. When I pointed out that the reasons they gave for issuing a low score were in direct opposition to the data provided by XXXX  and I asked to speak to someone at their bank to address any inaccurate information they had, they said they were unable to connect me with anyone or to provide any mechanism for me to see their information or provide input. They have essentially created a blackbox for issuing a score and provide no ability for a consumer to resolve issues or address incorrect data.

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 2019-03-30
Company: MOHELA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
After having a student loan for years with Mohella, and having many problems with Mohella reps, who I could not understand due to the language and professional barriers, I have been banned from calling Mohella. It is not my responsibility nor job to deal with unprofessional conduct, therefore I can not resolve my student loan issues.

Additionally I have worked in a XXXX for over 20 years and it is my belief that this loan should have been totally forgiven.

Additionally, I would respectfully request a full apology from Mohella when this is resolved. 

Respectfully, 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 2019-05-29
Company: R & B Corporation of Virginia
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been disputing these accounts for a while. They do not belong to me. Please remove them and all negative remarks that came with them. I am a single mother who has had issues obtaining credit because of these negative remarks. I have attached my identity theft report. If you need any extra info please send me a fax number I can use it to correspond with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Phelan Hallinan Diamond & Jones, PC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The only response this criminal and looting organized had is describe below. This looting organizer are the real face of the most corrupted financial institution in this planet. This is the company we are dealing with and lying in order to cover their criminal and fraudulent activity that must be stop permanently. The Consumer Financial Protection Bureau is a 21st century agency that helps consumer finance markets work by making rules more effective, by consistently and fairly enforcing those rules, and by empowering consumers to take more control over their economic lives not allow criminal and looter organizer like Phelan Halinam to defraud people and disrespect CFPB with deceiving tactics and cover up of their criminal activity. Financial scammers institution will go to any extreme to defraud consumer. 
The Consumer Bureau advocates strongly for consumer control of the consumers data and transparency. Phelan Halinam ca lie but not with my family They will pay {$260000.00} regardless of their criminal activity and their death treats done via XXXX .This garbage will never intimidate me this will only make me storing The new Management of CFPB is to reach to state holder in order to hold more town halls meetings since CFPB intention is putting consume above financial that cheat them. Today, the Consumer Bureau is releasing a set of consumer protection principles intended to reiterate the importance of protecting consumers as the market for services using consumer-authorized financial data develops.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: Nelnet, Inc.
State: NC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a phone call from XXXX XXXX onXX/XX/XXXX in an attempt to collect a debt in the amount of {$630.00}.

On XX/XX/XXXX, I requested two months of forbearance on my loans because I lost my full-time job. These were granted with no issues, and I was not informed of any restrictions moving forward on using the rest of my forbearance months ( XX/XX/XXXX   remaining ).

I do not have a full-time job, and my monthly income is {$1800.00} ( I work three part-time jobs ). I am unable to afford my fixed expenses ( {$2400.00} ) in full so I attempted to speak with XXXX about using some forbearance while I tried to catch up. However, they informed me that 9 monthly payments must be made in between the use of forbearance before another 2 months can be used.

This is the first I've heard of these stipulations. I am behind on this loan and if I have 10 months of forbearance, it would be helpful to be able to use it since this is why it exists. I'm working on pulling up my promissory note from when I originally signed the loan with XXXX in XX/XX/XXXX ( XXXX now services XXXX XXXX  loans ) because I don't believe I was ever informed of us. If I was, I would have potentially reconsidered using the forbearance some months ago.

This aside, XXXX was unable to work with me any further on. Is this what it's come to? If people can't make a payment, they just push you into a bigger hole of debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2019 I received a letter from XXXX XXXX XXXX , XXXX in reference to an alleged debt with XXXX XXXX. I called XXXX XXXX XXXX and informed them that this was not my debt, that I had never signed up for anything with XXXX XXXX, and I was not going to pay this debt. The CSR informed me that since my date of birth matched up with what they had in the system, that this was in fact my debt, and I would have to pay it. He further stated that XXXX XXXX would have " proof '' that I signed up and that because of that I would have to pay it. Once again I informed him that I never signed up for anything with XXXX XXXX, that I was the victim of ID theft and that this was not my account. The call ended with that, but that is not where it stopped. I got an alert from XXXX that a new " collection account '' was listed on my credit report. This collection account was listed by XXXX XXXX XXXX, and has XXXX XXXX listed as the original creditor. This caused my score to drop my over 50 points. I filled out an ID theft affidavit, and I also went to the XXXX XXXX Police Dept. This is not my account, I want it deleted from all of my credit reports. 

Also Equifax keeps sending me emails that a dispute was started and then sends me a link to the results, yet when I try and log in to get my results, they say that the information they have on file doesnt match my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-30
Company: AES/PHEAA
State: NC
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:
I am having trouble with Fedloan Servicing and its reporting of fair, accurate and complete information per guildlines of FACTA/FCRRA to the credit reporting agencies XXXX, XXXX  and XXXX, regarding the six ( 6 ) student loan accounts. I have submitted multiple disputes with the said credit reporting agencies, only for the information in question to return back verified, from the agencies. In the attachments you can see that they are reporting multiple late payments in excess 120 days in addition to comments designed to further hurt my credit score. Furthermore, Fedloan Servicing has also taken steps designed to further damage my credit by submitting that there is a Freeze, on my credit file. It is in my strongest opinion that I believe Fedloan Servicing to be in multiple violations of FACTA/FCRA. I am submitting proof that my account at that time, beginning XX/XX/2016, was in forbearance/deferment which would show that the negative reporting in fact are incorrect. Once forbearance/deferment is granted, it is good for twelve ( 12 ) months. At the end of the twelve ( 12 ) month period if one chooses to remain in the program, an addition application is to be submitted. In addition, as evident in my attached credit reports, Fedloan Servicing is failing in its reporting of complete information, as there is a number of months of unavailable account information, being reported. The failure of the company to report fair, accurate and complete information per the FCRA has severely impacted my ability to build relationships and obtain credit from other lenders/financial institutions. I have tried on mulitple occasions to have the XXXX, XXXX  and XXXX remedy these errors

Company response to consumer: Closed with explanation