BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 is my several request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-05
Company: Experian Information Solutions Inc.
State: AR
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 is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

DEPTEDXXXX XXXX {$9000.00} DEPTEDXXXX XXXX {$17000.00} DEPTEDXXXX XXXX {$17000.00} DEPTEXXXX XXXX {$3700.00} DEPTEDXXXX XXXX {$6000.00} USDEPED XXXX {$34000.00} XXXX   XXXX {$2500.00} XXXX XXXX XXXX {$2800.00} XXXX  XXXX {$2500.00} XXXX  XXXX {$990.00} XXXX XXXX {$7100.00} USDEPED XXXX {$8200.00} XXXX  XXXX {$480.00} XXXX  XXXX {$5000.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2021-11-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Consumers are provided the opportunity to freely dispute inaccuracies on their credit reports as reported by creditors without retaliation. On XX/XX/2021 I reviewed my XXXX credit bureau and noticed that HSBC Bank USA, N.A had incorrectly reported my balance due on my open card ending XXXX. I submitted a request for an online investigation via the portal of XXXX 's Credit Dispute system. After carrying a balance on my account for ~6 months and making monthly payments, often in excess of the monthly minimum payment due, I paid the entire balance off in full. I also paid the balance of ALL my other credit cards off at the same time so that my balances reflected a - $ XXXX. After submitting my payment, HSBC failed to update the status of my account to reflect my payment history and the now current balance. I submitted my dispute for them to review the payment history and HSBS subsequently retaliated against me for using the dispute option and they reduced my credit limit from {$6500.00} all the way down to {$500.00} and sent me a letter that states the following : ( All of which are inaccurate based on the PAID IN FULL status of ALL my accounts ) 1- Amount own on revolving accounts is too high. ( False ALL balances were XXXX at time of letter generation ) 2- Proportion of balances to credit limits on revolving accounts is too high. ( False ALL balances were XXXX  at time of letter generation ) 3- Proportion of balances to credit limits on revolving bank/national revolving accounts too high. ( False ALL balances were XXXX  at time of letter generation ) 4- Length of time revolving accounts have been established. ( Account was approved with {$6500.00} limit with lesser credit history prior to my dispute ) I have called multiple times to speak to agents who are allllllllll to incompetent to understand what happened and provide a blanket statement of " We mailed you a letter '' ( mentioned above ). 

It is 100 % clear that HSBC Bank as retaliated against consumers for utilizing the options afforded them by regulatory agencies such as the CFPB. During first contact with HASB customer service the agent indicated that upon review of my complaint they have taken action on my account. CLEAR DISCRIMINATION for filing my complaint for their inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: AES/PHEAA
State: TX
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:
Fed Loan is providing inaccurate information and is not notifying their customers of the changes in the law since the CARES ACT was signed. For example, FED LOAN is telling me that I missed my deadline to recertify my IDR plan for PSLF. However, the FAQ on the studentaid.gov website run by the Federal Government says the following : " NEW : My Income-Driven Repayment ( IDR ) recertification date is coming up soon. Will the administrative forbearance affect when I should recertify? 

Yes. You will not have to recertify your income before XXXX XXXX, 2020, regardless of whether your recertification date would have happened prior to XXXX XXXX, 2020. As part of the administrative forbearance, your recertification date has been pushed out six months from your original recertification date. You will be notified of your new recertification date before it is time to recertify. '' Even when enlightened to this point, FED LOAN is refusing to adhere to these guidelines. How are borrowers supposed to know what is true if the lenders are providing inaccurate information?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: AL
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:
Accounts that are reporting incorrectly on my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: DISCOVER BANK
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 reported balance is {$0.00} for Discover Financial XXXX  on my credit and states " Account information disputed by the consumer, meets FCRA requirements. '' I reported the identity theft ( see attached police report ) on XX/XX/XXXX and in regards to this specific account on XX/XX/XXXX ( see attached police report ). This account is still showing on my account and I need to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Sent equifax and XXXX documents from XXXX XXXX and court house that bankruptcy was removed from their file but they refuse to remove it. They both sent me the same letter stating that information was verified though XXXX XXXX when I sent them the documents that XXXX XXXX had taken it off my file. I have called them both several times to resolve this to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was stunned when I reviewed my XXXX, XXXX and XXXX  credit reports and saw that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX was the original creditor imposed data charging for internet without notification then tried to collect. account as been sold several times to different collection companies after being disputed and removed from credit. now credit management company is claiming I owe them money and as ruined my credit with there false collection account. Ive never been in any business with said company

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-07
Company: Experian Information Solutions Inc.
State: AR
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:
In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 
XXXX Account XXXX XXXX has violated my rights. 
XXXXXXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 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 a account without my written instructions.

15 U.S.C 166b A creditor may not treat a payment on a account under an open or closed consumer credit plan as late for any reason.

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 2021-01-04
Company: SYNCHRONY FINANCIAL
State: UT
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:
My credit report shows an inquiry was done on my credit report by SYNCB/SAM 'S XXXX. I have not authorized any company to check my credit report and not have applied for any credit or other situation that would require a credit check.

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 2022-09-26
Company: CCM Finance LLC
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I reached out to a salesman for XXXX via XXXX regarding a sponsored post about vehicles for sale. After going back and forth about the process and what was needed in order to complete the car purchase, I decided to make an appointment to go in and buy vehicle. Once I arrived the salesperson whom I had been speaking with was not available, neither any of the vehicles he stated was. After being assisted by salesman, XXXX XXXX, I made the decision to purchase another vehicle. What seemed like a good purchase has been a complete nightmare from the time I signed my signature ( payment in full ) and rode off in vehicle. I made this purchase on XX/XX/XXXX and within the 1st 60 days my XXXX went out. I proceeded to look up the terms of my warranty and set my vehicle up to be repaired. After speaking with the warranty company I learned there was only 1 covered repair facility in my area and that facility needed for me to leave my vehicle at least 2 weeks to determine the diagnosis. Unable to do that I asked about taking the vehicle to a different location and was informed that I would be responsible for the cost. I called in multiple times to CCM Finance LLC to receive assistance with this but never received any help. Not only did they not offer any assistance with repairs but also would not assist with car payments or allow me to make partial payments. After this initial frustration I dissected my consumer contract. which contains many fraudulent and erroneous errors. One of those errors is my personal information that was changed without my consent and is now reporting on my credit report. Also the price of vehicle is more than what was told to me, I was told warranty was included in the price of the vehicle and it was not, I was offered deferment for past due note but was informed all funds had ran out and program has ended. I have filed complaints with the Attorney Generals office as well as served the XXXX XXXX XXXX and made several attempts to have this issue resolved with the company but response. On XX/XX/XXXX my vehicle was illegally stolen and repossessed without proper procedure, LA R.S. 6:966 ( A ) ( B ),, or making any attempt to resolve my issues, acknowledge or address my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Conduent Incorporated
State: AL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My name 's XXXX XXXX and when I got XXXX  I didn't have a bank account at first so opted to have a debit card sent to me, it is trough a company called way2go card or eppicard and from Conduent! Now I've had trouble with this company from the start. Originally had to cancel the first card because I never received it. The. Ordered one through XXXX. Finally got the card activated it and started to use it. It worked for couple transactions then started declining everything, I came home and called them, after several hours and being hung up on a few times finally got all ahold of someone and they said it would be fixed within 24 hours. Well after 24 hours I went to town and started using it again and the same thing happened, it worked for a few transactions then started declining every transaction. I came home again and proceeded to call the company again and after a four hour wait was finally able to talk to them again and his one they said it would be fixed within 24-48 hours and I wouldn't have any more trouble. Well I waited 48 hours and decided I'd call them before I went out or town this time to avoid looking crazy at the store it it declined again. It took another 3 hours to talk to someone and this time they said my account had been locked and in order to unlock it I had to send in a picture of my ID or SS card and Birth certificate, now I waited 19 weeks to get my unemployment and there was {$9300.00} on my card when I received it and now it's locked with over {$8000.00} on it and I think they are trying to take my money! I've since switched my payments to direct deposit but this company will not transfer my money to my bank account! My powers been turned off, my rents due and barely have any food! This is crazy I had set up text alerts from the first time I activated the card and never received the first alert! I want my money but don't trust this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/19 I received four calls from XXXX from XXXX. I called back and requested them to quit spam calling my phone. On XX/XX/19 I received eight calls from XXXX at XXXX. My phone is set to do not disturb since I work overnights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-21
Company: EQUIFAX, INC.
State: NY
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:
On or around XX/XX/2021 when signing up for timeshare as a single individual there was no credit pulled or stated due to property was being taken over at the same rate and amount that was owned by the original owner. Three months later I noticed westgate being report without my written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
7 days ago my point of contact of Mr. Cooper contacted me regarding extension of forebearance, she said she is going to submit a request to extend the forebearance and will get back to me shortly. 

Its been 7 days and I haven't heard back from her. XXXX has arrived and this is the time Mr. Cooper asked me to contact them regarding making my payments otherwise my account will go in default. 

I called Mr. Cooper today, first of all it takes a lot of time to reach an agent, when I reach an agent they speak in XXXX  english, I made a call at XXXX XXXX  PST time, the agent wasn't paying attention to what I was saying and her attention was somewhere else. 

The agent asked me 10 questions to verify my account and then was taking me for granted, not paying attention to what I was saying. 

It was really hard to understand her as she was speaking in Italian english. 

We are calling regarding serious mortgage issues here and the customer service agents behave as if we are calling in a XXXX bar, there is no sense of seriousness here. 

I asked her to transfer me to some other agent, she just placed me on hold and from last 10 minutes I am still on hold. 

Why Mr. Cooper has provided me a point of contact, when I can not leave her a voicemail, email her and can not reach her? She is not reachable at all. 

Mr. Cooper is complete mismanaged company. 

They need to take their customers more seriously, rather than taking them for granted and treating them as they are no body. 

everytime I have to come here and make a complaint to CFPB or contact XXXX, why I can not resolve my issues or concerns directly with Mr. Cooper. 

And why they have to ask million questions to verify my account And why they don't have agents who can not speak proper english?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. My information was also impacted by the XXXX data breach and they have got into the hands of the wrong person. I demand that this incorrect, inaccurate, and unverifiable information on my credit report be immediately removed, this is a violation to FCRA. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 2022

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 2023-07-13
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Hello I've been contacting credit bureaus Equifax and XXXX to get this XXXX XXXX XXXX record off of my credit report the balance is paid off and the company stated they will inform the credit bureaus to remove it but the only one that has removed it is XXXX. XXXX and Equifax stated they would remove it but has not done so yet and it's been over a month now I spoke with them in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13
Company: Experian Information Solutions 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:
They added another name to my XXXX XXXX account. The other person is using my social security number to try to purchase a car at a dealership in XXXX Texas. 

The other name on my account is XXXX XXXX. He tried to purchase a car on XX/XX/2018 XXXX Tx

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 2019-11-06
Company: EQUIFAX, 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: Account information incorrect

Complaint:
As of XX/XX/2019 my credit was dropped from both Equifax and XXXX from XXXX to XXXX. The reason they gave was an outstanding balnce of {$400.00} with XXXX. That balnce was XXXX out on XX/XX/2019. It was a short term loan of less than 2 weeks. My score should not be taken a ten point drop because of this.

Company response to consumer: Closed with explanation