BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-29
Company: Blakely-Witt and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2023 I contacted Blakely Witt to inform them they were furnishing inaccurate information on my consumer report due to me being a victim of identity theft. You can also see in the letters that I have attached that I requested a method of verification. Verification still have not been received.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details, exact Prohibition : a law or regulation forbidding something.

I did not make any of this up, this is directly from congress!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: OneMain Finance Corporation
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: Experian Information Solutions 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:
All three credit agencies are discriminating me and not reporting my current credit debt, information, removing old accounts, not updating correct scores, and unprofessional behavior, Recently I applied XXXX credit card, XXXX Credit card company or XXXX pulled my credit report from XXXX and XXXX reported them that I have missed them recent payment to any other creditor, which is not true. I have report in my hand, it was XXXX XXXX XXXX and has been paid off/settled by XXXX and XXXX reported them account in good condition. but XXXX and both Experian is not updating in the system, that is why lenders are getting my " Negative '' Credit Reports, there is no missed payments at all in last 8 years. I have all paid off bills and never missed it. CFPB should take strong action against these credit bureaus.

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 2019-09-20
Company: Fidelity National Information Services, Inc. (FNIS)
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Today Date XX/XX/2019 This complaint involves ChexSystems. 

I received a denial letter from XXXX XXXX in regards to opening a money market account. They said their decision was made in part due to a report from chexsystems and that I should contact them for the report. 

XX/XX/2019 was my first request for the report. Which was to be mailed in 5 working days. 

XX/XX/2019 : I called chexsytems to ask where the report was and they said I should have received it and would mail another one. 

XX/XX/2019 : I filled out another request for my report. 

XX/XX/2019 : I contacted your office. 

Why don't banks send a report along with the denial letter. 

Why can't you get the report by email. The application after all was applied for online.

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 2019-09-20
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I didnt know i had to renew my fed loan repayment account in XX/XX/XXXX & the balance went up by {$720.00} for a monthly payment. I make $ XXXX monthly for a household of 2 people. Once i realized this i applies for a income driven plan & was accepted. This {$720.00} payment made my credit score go down by over 80 points and Im trying to improve my credit & this isnt helping me at all. Prior to that, i was and right now i am in good standings & have been responsible. Please help me out by removing this off of my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: SLM CORPORATION
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was enrolled in the Auto Debit program with Sallie Mae to repay my loan. Payments are taken automatically on the 17th of every month. I re-enrolled in school full time and finished that process in XXXX. Classes started XX/XX/XXXX, which would be the date my loans went into deferment as well. On Thursday, XX/XX/2019, I checked my bank account and Sallie Mae had taken the Auto Debit payment, though they shouldnt have, and put my bank account in overdraft of over - {$200.00}. I contacted support that same day and they confirmed it should not have been taken out. They submitted the request to refund the payment but said it would take 3-5 business days. I checked my bank account the next morning, Friday, XX/XX/2019, to see if my direct deposit from work had been deposited, and I discovered a new overdraft fee from my bank plus my entire paycheck from work was applied to the negative balance. Because of Sallie Mae and their mistake, my entire check from work was applied to the negative balance, as well as the {$35.00} overdraft fee that I wont be reimbursed for once Sallie Mae refunds me, and any business I need to handle with my paycheck wont be taken care of resulting in even more late fees, and there is nothing I can do about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-04
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
This car loan company is reporting increases of my balance. I have never missed a payment. They have been reporting interest increases which has caused my credit score to plummet. In my XXXX years i have never ever seen any company report the interest.

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 2021-07-03
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY
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:
While on vacation, my identity was stolen and used to loot my wife 's and mine checking accounts for {$110000.00}. The bank ( Apple Bank in XXXX XXXX NY ) said the transactions met their criteria. The never asked about these sudden and out of character withdrawals. The money seemingly went to a brokerage in Connecticut, who said it wasn't them. I have filed a deposition with the XXXX XXXX ADA who " following procedures. '' I hired a lawyer who hit a brick wall. I filed an IC3 with the FBI and called four times. No response. The complaint with the FTC ended with them " thanking me for helping built their statistics. '' FINRA got the Interactive Brokers in Ct to send a shot email saying someone tried to open an account in my name. They turned it down and never directly withdraw money, even as their name is all over the thefts. I just opened a claim with the FDIC, but we need all the help we can get. I have a pile of paperwork I can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian has deliberately messed up my credit report. I have so many times my veins are pumping blue with ink. I contacted USA.Gov and XXXX told me " If the collection information is valid, you must wait 7 years from the original delinquency date for the information to cycle off your credit reports. The original delinquency date is the date the account first became delinquent and after which it was never again brought current. '' After checking with CFPB learned it depends on staute of limitations of state which is Idaho, State of Idaho says, " Idaho Statute of Limitations on Debt Collection. ... In Idaho open accounts, like a credit card account, have a statute of limitations of 4 years. 

NOTE : The time period begins as of the date of the last item, typically a payment or a charge under a credit card agreement. 
Idaho Statute of Limitations on Debt Collection | ID Debt Laws ... 
https : //XXXX XXXX states I can not buy a plane ticket. I can not buy a XXXX. XXXX  let a guy cash a check with my name on it and walk out door while at same time dragging me into collections. He did not even have proper ID. It should have been run thru his business account. 

Please help correct credit score. It seems every time I try it gets lower. Thank you.

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 2023-03-30
Company: SUNRISE CREDIT SERVICES, INC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
When called rep fid not specifically what the debt was for XXXX provided proof of the bill

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 2019-09-20
Company: Paypal Holdings, Inc
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Sold items on XXXX through PayPal starting XX/XX/2019 all items sold correctly and Buyers all stated they received items. PayPal is holding my money for 6 months now and it has been 2 months already. I have been treated rudely by customer service sometimes 5 hour waits on phone calls. I am XXXX and need my money badly to pay bills etc

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Specialized Loan Servicing did not issue a Deed of Reconveyance or Lien release for a HELOC that was forgiven/cancelled on XX/XX/XXXX. 
I contacted Specialized Loan Servicing on XX/XX/XXXX to provide a payoff request or deed of reconveyance for the cancelled HELOC, however, as of XX/XX/XXXX I haven't received any of the documents requested. 
The only communication I received was a letter from Specialized Loan Servicing on  XX/XX/XXXX stating that the Lien release is in the process and " the copy of the lien release will be sent to you under a separate cover ''. 
I have been calling ( on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) to get a status of the lien release. The company is unable to give me a timeline on when I will receive the lien release.

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 2018-08-03
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
American Express keep allowing someone to cancel and send my credit card to another address in another state. I have set up passwords, 4 digits codes, changed my email address like they requested and still they allow someone to send a card to another state. I talk to someone on Monday XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2018 about this problem and they still allow this to happen. The only answer I get from this company is that they are sorry and they are working on the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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 this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2020-12-31
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was moved from my lender XXXX XXXX XXXX to Mr Cooper. It happened around the time a payment was due and Mr Cooper did not clearly communicate the process and did not tell me that my autopayment from my bank would be transferred to them ( without my consent or knowledge ). As the payment was several days late I set up a separate payment as I was concerned about missing a payment. The day after that payment was made, the autopayment was made ( I had no knowledge that this would happen ). This put my account into overdraft. 
Mr Cooper promised in their introduction letter that I would not suffer any financial loss due to the move of my loan to them. I complained to Mr Cooper about the cost to me caused by them due to my overdraft situation. Fortunately, I had an arrangement with my bank for credit card overdraft protection which mitigated the cost. However, there was still a charge for using my credit card. 
Mr Cooper has been very obstructive by requesting a letter from my bank and only providing a fax no to send my evidence of financial loss. I complained about this and they promised to phone me - I have not received a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: Ray Klein, Inc.
State: OR
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
A collection agency is reporting on my credit. I attempted to contact them via physical mail regarding this issue without response. I would like to verify this debt is legitimate & if so, agree on a settlement

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2020-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I applied for a vehicle refinance loan for a new vehicle purchased in XX/XX/2020. I completed the application accurately and was told my loan was approved. I called the toll-free number provided by Bank of America to complete the process. The loan officer confirmed some information but informed me there was a question about my address. He put me on hold and spoke to underwriting. The underwriter told him they could only verify my previous address and therefore would not be declining my loan. Here is the base of my complaint : 1. They originally approved my loan and provided me instructions on what to do next 2. I have lived at my current address for almost 3 years 3. My wife and I have credit cards with Bank of America at this current address 4. I routinely receive credit card offers from Bank of America mailed to me at this address 5. I have multiple loan products at this address - including the car loan in question as well as my mortgage ; as well as the credit cards with Bank of America 6. They provided no remedy for my situation - the car registration and payoff letter they require for the loan has my current address on it Their process is antiquated and misleading. My credit is accessed and a possible inquiry against my credit has occurred. They initially approved the application then decline it with no reasonable method available to resolve the issue. An address discrepancy is easy to rectify against the documentation they require for the loan in the first place ( registration and payoff letter ). I understand bankXX/XX/XXXX XXXX, and fraud mitigation processes as I have been in the industry for over 20 years. However, their practice of approving a loan then denying it due to misinformation within their own system is unacceptable. Being approved then denied even though they have the correct information on file is misleading. A credit inquiry for a loan denied for the reason they provided is harmful to consumer credit ratings.

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 2019-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 disputed one claim with Transition about my XXXX XXXX card balance now being XXXX. They corrected it, but won't close the claim and they only allow one dispute at a time. My XXXX   XXXX ( XXXX ) needs to be disputed also because this also has a balance of XXXX and XXXX   said they reported it, but TransUnion has not updated the reflected balance of 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 2021-11-02
Company: Bread Financial Holdings, Inc.
State: TX
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:
This Account is not mine I have contacted the company and I have been effected by this account and it's damaging my health and the ability to use my credit. This need 's to be removed from our credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: EQUIFAX, INC.
State: LA
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:
Hello how are you doing? Fine I hope. Im sitting here soooo confused. Ive been trying to dispute some inaccuracies on my credit report but for some reason Ive been getting nowhere. I think my proof of my identity may be an issue. Im just lost because I feel like Ive exhausted all options to get this cleared up. Can you take a look at these accounts for me please? I would appreciate it. 

I see several medical accounts being handled by XXXX XXXX XXXX. Do you know that theyre operating under an inactive license? In the state of Louisiana this is illegal. Please remove these accounts. 

2. XXXX I have never done buisness with not have I been contacted by this company. 

3. XXXX XXXX Please furnish me with a medical release form Im sure Ive never given this company permission to access my medical records. 

4 XXXX XXXX XXXX This company is reporting inaccurate and misleading payment information. Please remove this account. 

5. XXXX XXXX This company has made a mistake. I was never late. 

6. XXXX XXXX XXXX This account is reporting several inaccuracies.

Company response to consumer: Closed with explanation