BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-27
Company: Experian Information Solutions 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:
In accordance wit the Fair Credit Reporting Act the following have violated my rights Account Name : XXXX ( Original Creditor : XXXX XXXX  XXXX ) Account XXXX Account Name : XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) Account XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX Account Name : XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX 15 U.S.C1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: Resurgent Capital Services L.P.
State: IN
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:
The credit report information is incorrect These accounts have been closed # XXXX # XXXX # XXXX The account should be removed from my consumer credit profile This account should be removed from the three credit bureaus - XXXX - XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Equifax, a consumer reporting agency, has not updated my consumer credit report -public record- to include my 2017 XXXX XXXX XXXX. I have disputed this by phone call, mail, fax, and myequifax.com for over year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX XXXX -XXXX partial account number XXXX. ( Please see pages 22 and 23 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-24
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Last XX/XX/XXXX, I wrote a letter to XXXX XXXX with regards to accounts : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I sent them a check as payment for these accounts and clearly, " CONDITIONS ARE WRITTEN AT THE BACK ''. It clearly states that 'THEY CAN ONLY CASH THE CHECK IF THEY AGREE TO DELETE ALL THE ACCOUNTS THEY REPORTED TO THE BUREAUS ''. XXXX XXXX CASHED THE CHECK, which means THEY AGREED WITH THE CONDITIONS. They are in violation of the VIOLATION OF CALIFORNIA CIVIL CODE and BREACH OF CONTRACT/AGREEMENT. This is my last resort before I take a step further and get a legal counsel involve. I am also filling

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I wanted to sign up for free credit check and when clicked on the Transunion link it led me to create an account. Then it asked for my credit card information which was weird for anyone to ask for a free service but I reluctantly put my credit card information in. After creating an account for Transunion, they charged me {$24.00}! That is ridiculous when the link clearly states to make a free account.

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 monetary relief
Consumer complaint received 2023-05-20
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IC Systems Collections on XX/XX/2023 Spoke to a collection representative in which I was informed me that by my social security number did not match the debt nor could they find my name or address with my full social as a debt. 

IC Systems has a debt on all 3 of my credit bureaus in which a debt not owed or my debt by the conversation its not my debt. 

I have proof by documents sent to them to settle the debt. 

call several times but no debt showed in my name or my full social security number.

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 2019-04-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
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 shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 ( XXXX  ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: CITIBANK, N.A.
State: NY
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:
XX/XX/2020 dispute amount {$2800.00} dispute ID : XXXX AND XX/XX/2020 dispute amount {$15000.00} dispute ID : XXXX ( above charges are for the cruise deposit and final payment ) Total dispute {$17000.00} The above disputes are from charges to my account by XXXX XXXX line for a trip that was cancelled because of Covid19. The trip was scheduled for XX/XX/2020 Services were never received from XXXX XXXX XXXX. 
Citi Bank Visa has been stonewalling the reverse of these charges using the excuse that the Cruise Line was not getting back to them. Meanwhile, I am out a significant amount of money. 

XXXX XXXX XXXX drastically changed the itinerary of the original cruise which was basically a cruise to XXXX to a Cruise to XXXX and XXXX eliminating 7 XXXX ports and adding 2 days at sea. This was not acceptable to me. 
All of the above has been explained to Citi Bank Visa and they refuse to make this right by reversing the charges to my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: OneMain Finance Corporation
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I certified mailed ONE MAIN FINANCIAL an affidavit along with other proof regarding a billing error dispute for a statement dated XX/XX/2022 for the amount of the credit balance greater than {$1.00} along with the past, current, and future payments along with proof that this company has used my credit card fraudulently. I have in good faith provided the facts in accordance with my federally protected consumer rights. The affidavit was notarized on XX/XX/2022. I also mailed an invoice for {$20000.00} to be paid to me via check for the violations of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am in the process of selling my home. The title company and myself have made numerus attempts to get a pay off letter without any help. I am sent to close on XX/XX/2021 and if I don't get the pay off letter the sell will not happen and cause me major issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: Experian Information Solutions Inc.
State: GA
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, the List of accounts shown below has violated my federally protected rights to privacy and confidentially under 15 USC 1681. 
ACCOUNT Name : XXXX XXXX XXXX # XXXX, ACCOUNT Name : XXXX SELF-REPORTED, # ACCOUNTXXXX, ACCOUNT Name : XXXX SELF-REPORTED, # ACCOUNTXXXX, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2023-08-28
Company: LAKEVIEW LOAN SERVICING, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I contacted Guaranteed rate on XX/XX/XXXX to get the property taxes taken off my mortgage because I have a 15 year tax abatement. Im being charged XXXX extra dollars a month. I was told after a year the account would be audited and the extra money would be taken off and all the money would be returned to me. The mortgage had been sold to XXXX XXXX and they are telling me they have no paperwork stating that I have a 15 year tax abatement. I then called Guaranteed Rate back and they are saying since the mortgage has been sold they can not help me. Paying a extra XXXX $ a month is putting a financial burden on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
a scam company is trying to assign a debit to me. they called and sent a collection letter.. when researched.. i found several scam listings and mail fraud listings that was similar to what i experienced ... i checked my credit report and no collections have been sent.. they info int he letter is inaccurate and false. for instance check # 's, accounts and other info that would validate any transaction. the company is calling themselves : " XXXX XXXX XXXX XXXX, XXXX '' and claiming the creditor is : XXXX XXXX XXXX, XXXX and claiming the original debit was obtained thru XXXX XXXX on XX/XX/2019, the same day they called me trying to obtain information from me over the phone. I have not done any business with XXXX in many years.. all of which was paid in full using a my back debit card.. never a check ... they said the check number was # XXXX the amount was for {$18.00} and i owed that and a returned check fee of {$25.00} for a total of {$43.00} .. 

after spending time researching.. i have found other individuals claiming the same thing and that they was committing mail fraud. i contacted my state attorneys office.. and she said i could file a claim here or possibly at my local police department.

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 2021-10-06
Company: AES/PHEAA
State: FL
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:
Since XXXX of XXXX when FedLoan Servicing became my student loan servicer ( taking over from XXXX ), FedLoan has been the source of a range of problems. I have experienced poor customer service, getting conflicting information about my loans & what I believe to be an inaccurate payment count towards my Public Service Loan Forgiveness. I have contacted FedLoan by telephone numerous times throughout the past three years only to be told that a report has been made & corrections towards the payment count would be applied, however this has never happened. FedLoan has not counted most of my payments towards PSLF for the three years while I was in an income-based repayment plan during my residency training ( XXXX ). Furthermore after graduating residency training in XXXX, I have been at the same job to this present time that I have verified numerous times through documentation with FedLoan, and payments towards PSLF during this time are missing/have not been applied. I also believe that some of my payments though the XXXX XXXX XXXX XXXX have been allocated in ways that tie me to the higher interest rate portion of my loans. These problems have lead to significant distress & confusion for me, leaving me with no other option but to contact the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: First Data Corporation
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Date XXXX/XXXX/XXXX amount {$41.00} at XXXX XXXX store NO. # XXXX XXXX XXXX XXXX XXXX WA XXXX. Cashier # XXXX My check was Denial on the decision of XXXX XXXX out of XXXX Texas XXXX XXXX. I have fantastic credit, home owner, with NO habit of writing bad checks and have money in my bank account!! call this company and all they could tell me is : well ... we have not check your bank account you just wrote to many checks for XXXX day! I wrote XXXX checks that day and that was my XXXX. ITS XXXX!! I am so upset! I stood in line to be refused by some that that company is BASE OUT OF THE XXXX ... .... named XXXX who 's ID number is XXXX I feel very violated, disrespected and been discriminated no base 's of facts!!!!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/XXXX I noticed 2 transactions made using my EDD debit card. Someone had stolen my wallet and phone out of my car while I was camping. I immediately reported the theft to the bank and disputed the 2 withdraws that occured just days before. I told them my wallet had been stolen and that the two withdraws were not made by me and were fraudulent. They denied my claim 8 days later and then lied to me on the phone and said it had been sent to another investigator and that it quote " was looking good '' I called back the next day, the XXXX and thats when I found out they had denied my claim and were not investigating it further and that it had been denied on the 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 monetary relief
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/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 2018-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing this complaint due to TransUnion not responding to have credit inquiries removed due to them not being authorized. I did not authorize numerous inquiries that are showing on my credit report and I have disputed them 4 time and I get the same response days later. Which further tells me that they have not verified these inquiries and keep sending me a generic response. I have just submitted another dispute and if this XXXX  Complaint does not work, I will be contacting the Attorney General for further assistance. FCRA states that the only permissible purpose for pulling someone credit is for a firm offer of credit, insurance, employment or court order. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2019-09-19
Company: Global Asset Management Group, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
GLOBAL ASSET MANAGEMENT HAS BEEN CALLING SAYING I OWE A PAYDAY LOAN COMPANY OVER {$3000.00}! .. THEY MAKE UP FAME ACCOUNT NUMBERS AND HAVE YOUR SOCIAL. I CALLED THE PAYDAY COMPANY THEY SAID I HAD AN OLD BALANCE OF OVER 7 YEARS AGO OF {$250.00}. I TOLD THEM I HAD PAID UP THIS DEBT ABOUT 2 YEARS AGO WHEN THEY CALLED ME BUT THEY DONT HAVE RECORD OF IT SO NOW THIS COMPANY IS CALLING ME BUT XXXX XXXX DOESN'T HAVE THEM AS THE COLLECTION AGENCY AND SAID FOR THEM TO PROVIDE ME MY ACCT NUMBER AND THEY GAVE ME A TOTAL DIFFERENT ACCOUNT AND STATED THEY WOULD START GARNISHING MY WAGES AND CHARGING MY CREDIT CARD WITH THE FEES I OWE THEM. I DON'T HAVE A JOB .. SO DON'T KNOW HOW THEY WILL DO THAT. THIS COMPANY IS SCAMMING PEOPLE THE NUMBER IS FROM MN - XXXX XXXX XXXX ( XXXX ) XXXX. BEWARE!!!!

Company response to consumer: Untimely response
Consumer complaint received 2021-11-02
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: Their investigation did not fix an error on your report

Complaint:
I have contacted Equifax numerous times concerning Bankruptcy information on my consumer report and inquiries that i did not give written permission to be performed. They have violated me according to 15 U.S. Code 1681b - Permissible purposes of consumer reports. 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. Code 1681q. Obtaining information under false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter addressed to the 3 Credit Bureaus requesting to conduct an investigation and correct theinformation being reported. The 3 credit bureaus must validate these items in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified informationwithout providing any proof within the period allowed by law. The listed items need to investigate and correctfrom erroneous reporting. 
XXXX Account XXXX : XXXX XXXX AccountNumber : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account XXXX XXXX  Account Number : XXXXXXXX XXXX  XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Date of inquiry : XX/XX/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