BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-22
Company: EQUIFAX, INC.
State: SC
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 disputed with equifax several times. XXXX XXXX gave me this as proof that it is my account. 

This is not my signature or social security number so the investigations I have requested are not being done properly by equifax. I am demanding equifax do a proper investigation and have XXXX XXXX match ALL information and delete this file because they have not verified my account. 

This is a complaint to be filed with equifax for not doing a proper investigation. Equifax continues to say that the social security number matches up but it does not. 

... ... ... ... ... ... ... ... .. 

My information XXXX XXXX Date of birth. XXXX Social Security # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To Whom It May Concern, I am filing this formal complaint because I feel that XXXX and now SPS are not honoring their part of the agreement with the government. I have been trying to get a loan modification for a year now. During that time XXXX and now SPS has put me through a ridiculous ordeal. I have a legitimate reason for hardship. My wife lost her job a few years ago. I lost my job a year and a half ago and the job that replaced it pays much less. I also had to take care of my elderly parents and help them with their medical bills. I believe that these lenders illegally denied me for the assistance and since I 've read that they have been fined heavily for wrong doing, I was forced to hire a law firm to protect my home. I would have never gotten in this mess had XXXX XXXX not told me to get behind on my payments. They told me it was necessary to be able to qualify for the hardship assistance. Then they played games with me. They told me they never received my paperwork even though I faxed it to them multiple times. Even when I got them to admit that they received the paperwork, they said they lost it and told me I had to re-apply. They kept changing relationship managers on me and I could never get the same person on the phone twice. My mortgage is currently 54.29 % of my gross monthly income. If that is not considered a hardship by XXXX and SPS, then what is? I believe I meet every single criteria put forth by the HAMP program. My mortgage was originated prior to 2009 and I never refi 'd after that. I am hoping that someone will hold these big banks accountable for denying homeowners assistance when they clearly deserve it. I think the main reason that XXXX XXXX  is not helping me is because I have some positive equity and they want to get that money for themselves. I did not read anything on the HAMP guidelines that if a homeowner has positive equity that the lender does not have to approve them for HAMP, but maybe that is just the banks policy to maximize their profits. If I could just get caught back up and into an affordable payment, then I could keep my home, but I am at my wit 's end. I have been trying for a year without any sort of progress. There are an obscene amount of foreclosed homes in my neighborhood and I do not want to join them. Please help me save my home. Im not asking for charity, I just want what is fair and right. From what I understand XXXX XXXX took millions from the government, but they are not helping the people that legitimately deserve it.. Please, please, please help me save my home.
Sincerely, XXXX XXXX  Phone XXXX XXXX XXXX XXXX , XXXX, CA 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 2020-05-11
Company: TRANSUNION INTERMEDIATE 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:
XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXXDispute XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute

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: Experian Information Solutions Inc.
State: NY
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. IT HAS YET TO BE SETTLED. I SENT MULTIPLE DISPUTES INCLUDING FACTUAL DISPUTE. 

INTIAL DISPUTE : XX/XX/2020 30 DAY DEMAND : XX/XX/2020 FACTUAL DISPUTE : XX/XX/2020 FACTUAL DISPUTE XXXX : XX/XX/2020

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 2023-03-09
Company: Experian Information Solutions Inc.
State: CA
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, CA XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$9700.00} XX/XX/XXXX XXXX XXXX {$9700.00} 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 2022-08-09
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1 ) On XX/XX/22 I purchased a computer from Best Buy. 

2 ) When I got home, I changed my mind - called Best Buy - & cancelled the purchase 3 ) Best Buy told me to REFUSE DELIVERY - which I did.

- However, Best Buy continues billing me.

4 ) I do not have the Best Buy computer - I never received the Best Buy computer Please help me STOP Best Buy continued monthly billings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Self Financial Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is fraudulent activity appearing on my credit report. Address listed of " XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX '' should not be associated with me. Loan opened XX/XX/22 with Self/XXXX XXXX for {$520.00} is fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-25
Company: DISCOVER BANK
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 status incorrect

Complaint:
Discover is reporting an account on my file that I do not recognize. I recently took a look at my credit and noticed there is an old account there that it says I'm an authorized user on. I do not recall ever being added as an authorized user and this account was not put by me.You have nothing bearing my signature. This needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: Atlantic Credit & Finance, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Atlantic Credit and Finance Inc. called and spoke with me on Thursday, XX/XX/2018 regarding a debt I have. I did not deny having the debt but requested the amount of insterest and late fees that accumulated in order to help bring the debt down so I could pay it off. The four representatives I spoke with all refused to look up the interest and late fees and continuously ridiculed and belittled me over the phone. XXXX, XXXX, XXXX, and XXXX are the representatives i spoke with and hung up feeling embarrassed and frustrated that they were unwilling to help me as I was calling to get this account back on track. They also threatened to sue me multiple times over the phone. When I hung up I called the original card company and asked for my last statement with all of the interest and late fees. My balance ( with no interest and late fees ) was {$940.00}. The interest and late fees totaled around {$820.00}! This company is trying to collect for {$1700.00}. Which is why I repeatedly asked for the amount of interest and late fees to help drop the balance and allow me to pay off the debt faster. I also tried to negotiate the debt to have it paid off faster by the end of XXXX and they refused to negotiate or work with 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 non-monetary relief
Consumer complaint received 2018-06-21
Company: LEXISNEXIS
State: GA
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 have reached out via certified mail to LexisNexis on XX/XX/XXXX and XX/XX/XXXX to dispute that the Bankruptcy Courts for Georgia do not report bankruptcies to credit reporting agencies. I provided a letter from the United States Bankruptcy Court Northern District of Georgia stating this fact.

I have requested that this information be removed from the LexisNexis report that has a bankruptcy showing. I have not receive any response to either of the letters after giving LexisNexis 30 days to investigate after sending each letter. 

If need, I can provide copies of the letters I sent to LexisNexis, the delivery confirmation of the certified letters and a copy of the letter from the United States Bankruptcy Court stating that they do not report bankruptcies to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX has been non-compliant with removing the unverified account DISCOVER XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that DISCOVER was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: Experian Information Solutions Inc.
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:
The reporting of student loan account number # XXXX, as delinquent, by servicer XXXX ( creditor : XXXX XXXX ) is not only incorrect but illegal. XXXX violated the loan agreement. XXXX did not process my forbearance/deferment request, while I am still in school. See attachment for further details.

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 2018-08-28
Company: EQUIFAX, INC.
State: LA
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 dispute involves XXXX XXXX XXXX and an inaccurate reporting of my account status to XXXX, XXXX, and Equifax. After challenging the validity of the account I received feedback from XXXX, XXXX, and Equifax which stated that the account was being reported as verified as accurate and updated. After several attempts to get them to verify this information I reached out directly to the company that provided me with a letter on XX/XX/2018 stating that the account had in fact been settled. In conversations with XXXX directly theyd closed down their legal department and somehow was still managing to report this information inaccurately to the bureaus. After receiving the letters I once again mailed this letter of settlement that I received directly from XXXX XXXX XXXX to the bureaus and asked to verify the accuracy of the reporting that had been taking place. XXXX   then changed the account status to paid, but allowed all negative payments to that point to remain with the status being FP or " failed to pay ''. Both XXXX and Equifax did not update the status at all after receiving these letters. Subsequently even after sending the settlement letter to me directly XXXX XXXX XXXX continued to report my status as negative through XXXX on Equifax as FP and through XXXX on XXXX  with a remaining negative status on XXXX. This again impacts my ability to purchase a new home, apply for business credit, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I arrived at a money gram location to pick up a wire transfer that was not available as promised. The money was tracked as available for pickup prior to my arrival at XXXX on XXXX XXXX XXXX, XXXX XXXX / XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MD / ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: Nelnet, Inc.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
In XXXX after 12 years of being unemployed due to permanent XXXX I began a loan discharge process with Nelnet. In XX/XX/XXXX I sent email and post office documents declaring that I was still unemployed. Under the generic email return address of XXXX XXXX instead of anything related to Nelnet, they sent me information that looks like spam. That is deceptive. My TPD process was dropped because Nelnet acknowledged and accepted my certification that I have not been employed, but their separate agency that sends generic email didnt receive the paperwork. I talked to the Omsbudsman and another agency that took my complaint but didnt do anything to correct the trickery of Nelnet. Nelnet told me that the XXXX $ loan was back on track affecting my credit AFTER the appeal period ended when it was too late for me to make an appeal. They didnt notify me that they have a separate organization to process XXXX and XXXX XXXX that doesnt share data with their loan repayment center so I had no idea that I was not in compliance. One agency of Nelnet said I was fine with the process and when it was too late to fix it the second Nelnet organization said I was not in compliance. Its deceptive. Having a hidden arm sending spam looking email that isnt clearly marked as being from Nelnet was deceptive. 

Being traded on the XXXX makes Nelnet drive up loan balances with unethical actions to make their profit look good to investors. The government is for the protection of the people but the XXXX is about getting as much money from the people as possible. 

Although its unlikely that I can ever pay the debt, having me on the books with ever increasing debt serves the XXXX well so Nelnet has s conflict of interest when it comes to treating me fairly. What they have done to me is so dishonest and unethical that its clear no other industry could get away with such flagrant disregard for consumer satisfaction and consumer rights. 

Nelnet believes they can conduct business any way they like because our own government defends their rights to rob the people that try to better their lives by getting an education. 

Nelnet informed me that all my documents were received and then Nelnet informed me that my case had been dropped. 

Its a crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchase a set of custom kitchen cabinet. The cabinet came and local installer associated with the company came and installed them. After 4month of using them. The wood started to swell. I tried to contact the merchant. At first, they said they will come and replace them ; then they stopped responding to my text or calls. Therefore, I initiated a dispute through Discover card that I used to charge for the cabinets initially. Hope that Discover Card will give back my justice. However, Discover Card decided not to issue a permanent credit on my account because they can't contact the merchant. 
On their website, under dispute FAQ, it states clearly in one of the question : If the Merchant doesn't respond to your notification, what happens? 
The answer for that is : We issue a credit to your account. 

Therefore, I demand Discover Card honor their own statement to issue me the permanent credit to my account. 

My dispute file and Discover Card policy will be attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-28
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2018 an auto debit came out of my account. On the same day before end of business I submitted a deposit to keep from overdrawing. ( I am supposed to have overdraft protection ). I noticed that on the XX/XX/XXXXI still received a overdraft charge ... ... In the past the bank charged me fees that I had resolved and I had to submit screen shots of how they post charges ... ... I requested for the fee to be waived so I can close the account. They would not allow it. Though I satisfied the overdraft before the transaction posted. They told me that if I satisfied the charge before by today end of business that I would be able to close the account. But when I tried I looked in on my account and they had charged me another fee ... my account was overdrawn by {$2.00} then for XXXX then XXXX. I requested a fee reversal for the new fee and they refused .... all of the issues that I have associated with this account have all come mis information from the staff and supervisors at this bank. But they keep trying to roll me in overdraft fees so that I can keep paying them. Im quite sick of it. I just want the account zerod out and closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-01
Company: EQUIFAX, INC.
State: GA
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX, XXXX   XXXX XXXX, XXXX, DEPTEDXXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Company Inquiries : 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 response to consumer: Closed with explanation