BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-01
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Denied credit by XXXX XXXX MC ref. # : XXXX based on 4 different reasons & " NO SCORE Available '' from XXXX ! I couldn't get  logged online at XXXX, so I then called XXXX spoke with two repres., a supervisor from the XXXX  , got nowhere, asked for a US supervisor got XXXX in XXXX  ID number XXXX who was difficult, sarcastic, and uncooperative. He asked me to read the XXXX letter to him over the phone. I filed a complaint with XXXX because his supervisor he said was at corporate HQ only! After being frustrated by his lack of cooperation & smug attitude I simply requested a copy of my report to be sent to me. I then went online to Experian, logged on without a problem, noticed that the info on me was wrong, incomplete, & misleading! The disputes I had made with them previously were confusing, incomplete, and Wrong! There were NO OPINIONS On their website to follow up and request corrections! My Employment at XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, are ALL Missing! A credit dispute with XXXX appeared as Deleted without the $ 10,000+ business paid them. I can go on! So I just requested a report to be mailed to me. They all are slanting info I favor of THEIR CUSTOMERS NO WE THE CONSUMER! We have to play and get sucked into their compound interest current credit/monthly payment game to get a higher score just so they make money! 50 years of great credit doesnt matter! Ah, I see you were 30 Days Late 5 years ago! Yeh but I was T-boned by a XXXX XXXX XXXX who XXXX and nearly XXXX   XXXX, XXXX XXXX. Refused to pay me a dime! Im XXXX XXXX XXXX now, spend XXXX XXXX of my life in bed, in pain, on   XXXX, and cant sleep! Im having to fight with these credit bureaus again and again Until they get it right? Instead of bombarding Us with their latest marketing make money schemes, get it Right, cuz This is WRONG!!! 
Im contacting my Senator XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX! Hopefully they arent too busy trying to Impeach the White House to get anything we need accomplished! This is WRONG!!!

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 2023-01-09
Company: Exeter Finance Corp.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Everyone knows that recent late payments can be challenging to remove from your credit file. This letter has been designed to request a goodwill removal and can be tailored to address your own unique situation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX Dear Customer Relations : This letter is in reference to a late payment with the account number Last year due to extreme financial hardship and medical problems, I became seriously behind on several of my bills. While I normally make great effort to honor my debts and fulfill my responsibilities, at the time of the late payments I was simply financially not able to pay my bills I have since gotten back on my feet and brought my account up to date with your company. 
1 am now trying to buy a home, however I am having difficulties receiving an affordable rate due to the impact of having a late payment on my credit file. I am hoping that your organization will consider removing this late payment from my credit report as a gesture of goodwill. This kind gesture would sincerely be appreciated and an invaluable gift to my family and I. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I 've encountered one major problem with the way my payments are being handled by the lender.
1. I enrolled in automatic bill payments from XXXX XXXX months or even years ago believing that I would pay monthly interest while I was out of school to not accrue interest. When I went to review my account today I noticed I had accrued a little over {$600.00} in interest. It seemed a bit odd because my monthly amount was set for {$580.00} which should have taken care of all accrued interest for my original full loan of which I had already started making pre-payments for, thus some of that amount should have already started going towards the principal. I called the servicer to inquire about why that may be and also why when I look at my recent payments I only see the additional prepayment amounts and not my monthly automatically set up payments. I was informed that because I 'm back in school and do n't currently owe anything on my loans my payments were suspended by the lender. 
There are two problems with this : ( 1 ) I was n't informed via email or through any other means that my payments were suspended because of the aforementioned reason. 
( 2 ) When I visit the automatic payment page through the leander, it still shows that automatic payment, its amount, and asks whether or not I want to suspend the payment, which should be made the first of each month. That makes me believe it 's still current and not suspended. Also, nowhere else on that page does it mention that payment as being suspended ( please see the screenshot attached ). 
While talking to the supervisor about this ( XXXX ), I was informed that it was part of the original documentation when signing up for the automatic payment and, therefore, they fulfilled all of their obligatory duties in informing me of the payments being suspended while I 'm enrolled in school. 
Not displaying my suspended payment clearly on the automatic payment site where I go to review my payment is an attempt by the leander to accrue more interest. I ca n't be expected to remember every term of a document I signed years ago, nor would I go to review said document over the actual site where the payments are being made for the most up-to-date information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 15.U.S.C 1681 section 602 A states I have the right to privacy.

15.U.S.C 1681 section 604 section2 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MI 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 2021-04-28
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife and I have three rental properties, mortgaged through Northstar dba Mr. Cooper here in Texas. We have the mortgages set up for autopay on the XXXX of each month. On XX/XX/XXXX, our account was correctly debited for {$510.00}, {$720.00}, and {$810.00}. We woke up Saturday, XX/XX/2021 to find our checking account had been overdrawn. Mr. Cooper debited our account SEVEN ( 7 ) times for each of the mortgages, already paid for on XX/XX/XXXX. The total amount taken from us was {$14000.00}. 
A call Saturday morning with XXXX ( our bank ) indicated that this problem had occurred with all of their customers that had mortgages with Mr. Cooper. 
We are now financially whole, we've gotten the charges reversed, but I consider this unauthorized withdrawal of my funds no less than theft. 
I spoke with a cfpb representative, XXXX, at around XXXX XXXX  on XX/XX/2021, who told me that the cfpb does not intervene in any way on these issues, which I found disappointing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Security Credit Services, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
call this company ( Security Credit Services ) several times to no avail l was told name and address giving them does match their record, l was told l made {$1100.00} payment last month l told them to provide me proof that l made this payment they declined. l believes Security Credit Services doing an illegal act to re-age a credit account by declaring that l made payment. And they could not ( Security Credit Services ) provide me proof of payment Security Credit Services must remove this account from my credit profile. 
Account Number : - Creditor : - XXXX SECURITY CREDIT SERV

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: CNG FINANCIAL CORPORATION
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I went to pay on my load and as I was there I asked what loan number I was on, Because I wanted to set up payment plan. I was told by XXXX that they were no longer offering or had to offer one. Indiana state law says that payday loans retailers have to offer one which you have to pay off in 60 days. Tried to explain this but they stated they were pulling away from that. I would like to see if you can give me clarification on this. 
Thanks Date XX/XX/19 time XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
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: Credit inquiries on your report that you don't recognize

Complaint:
I do n't understand why I keep having problem with this company and my credit report. On XXXX/XXXX/XXXX XXXX bank did another inquiry on my account. I have a new inquiry now on XXXX and Equifax. I really with this company leave me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: MI
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of time. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish this account XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Ive been trying to get to the bottom of some accounts that are reporting on my credit. According to the consumer laws designed to protect against noncompliant reportings, there should not be account listed on my credit that are inaccurate, incomplete, unverifiable. In this case I have spent money corresponding with the bureaus with no avail. I feel like they are taking my issue lightly. I have called an attorneys office that I found online and they guided me to your CFPB website as the next step. I have highlighted the inconsistencies on my credit reports.

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 2021-04-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Servicing is the servicer on mortgage. We were with XXXX to XXXX  XXXX XXXX ( in middle of a modification ) and flipped to SPS. Note is purportedly with XXXX XXXX XXXX  XXXX. 
We have requested A modification from SPS thru HUD approved agencies 6 times and directly to SPS a total of 7 times. 
SPS always misplaces or loses documents and has refused to modify loan. They offered a trial payment a few hundred dollars less than current mortgage payment. 
On XX/XX/XXXX, SPS sent a letter to our homeowners insurance company - XXXX - saying SPS initiated a foreclosure on property in XXXX! 
This of course cancels our home insurance and will necessitate FORCE PLACED insurance thru SPS. 
SPS is not licensed to conduct business in PA and as I understand a servicer CAN NOT initiate a foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
All accounts must be verifiable that are on your credit report. I have reached out to LexisNexis on multiple occasions to get information on a Bankruptcy that XXXX, XXXX  and XXXX  are reporting on my credit report which is completely inaccurate. 

XX/XX/XXXX and on XX/XX/XXXX I got a letter from LexisNexis stating they are unable to find a file that matches my information. So why is this Bankruptcy still on my credit report? How is XXXX, XXXX  and XXXX  verifying this information? 

On XX/XX/XXXX I again asked for a file from LexisNexis and still have gotten no response. Along with a letter that was sent to them on XX/XX/XXXX. 

Per the FCRA resellers reporting information must provide the information and the source of the information within 5 days of getting the dispute and provide all information within 20 days. 

As well as the Credit reporting companies are required to send notice to LexisNexis where they will be required to notify me and add the notice of dispute. 

My assumption is that the Credit Reporting agencies have not sent a notice of dispute to even begin the investigation. 

All attachments of the letters responses will be attached in this complaint along with a copy of my Drivers License and W2 form that provides all the verifying information needed XXXX  results were incomplete and missing on XX/XX/XXXX XXXX  results shows the date it was updated was XX/XX/XXXX so how was this account ever reinvestigated with a date of updated in XXXX XXXX  results just show it remains and is updated but the last update was on XX/XX/XXXX so how was this investigated and updated in XXXX. If LexisNexis Certified this information is correct then where is the copy to be sent to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 I AM DISPUTING ARE INQUIRIES I DID NOT AUTHORIZED PLEASE DELETE IT 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 2021-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 DEMAND THESE FALSELY REPORTED LATE PAYMENTS BE REMOVED FROM MY CREDIT REPORT IN REGARDS TO MY XXXX XXXX XXXX XXXX N-REWARDS CREDIT CARD FOR THESE DATES 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 2018-02-12
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
I checked my credit and found information thats not mines please remove.

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 2023-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Capital One allowed someone else to open this Credit Card in my name Ive contacted them directly, also have contacted all 3 credit bureaus & Capital One has responded to them saying this card belongs to me & it definitely doesnt I never opened this Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
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:
I am writing to express my deep concern over an error involving XXXX XXXX 's reporting of my account status to one of the credit bureaus, specifically Equifax. I recently settled a collection account with XXXX XXXX, which has been correctly reported as " paid '' to XXXX and XXXX. However, it has come to my attention that Equifax 's records still show my account as having a " derogatory '' status and marked as " unpaid. '' This misrepresentation is negatively affecting my credit score with Equifax and could potentially lead to unwarranted financial complications. 

I want to underscore that I have adequately satisfied my financial obligations towards this debt, and the incorrect reporting to Equifax is both misleading and inaccurate. This failure to provide accurate status for my account contravenes the Fair Credit Reporting Act ( FCRA ), which emphasizes the need for precision in the reporting of information by financial institutions. 

I respectfully request that XXXX XXXX immediately rectify this discrepancy. Please ensure that my account status with Equifax is updated to reflect that the debt has been paid, thereby maintaining consistency and accuracy across all three credit bureaus. 

In addition, I kindly ask XXXX XXXX to provide me with written confirmation once these corrections have been made and that my paid account status has been reported accurately to all three credit bureaus. I believe that this step is crucial in safeguarding my rights as a consumer and in preventing any future discrepancies in my credit reports. 

Given the above circumstances, I seek the intervention of the Consumer Financial Protection Bureau ( CFPB ) in this matter. I trust that the CFPB will assist me in ensuring XXXX XXXX meets their obligation to accurately report information to all credit reporting agencies. I am confident in the CFPB 's capacity to investigate such concerns and trust you will aid me in ensuring my credit report is accurate and fair. 

Thank you for your prompt attention to this pressing matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-05
Company: Bread Financial Holdings, Inc.
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
I received a credit card statement with two fraudulent transactions made on XX/XX/2019 for a total of {$270.00} by " XXXX XXXX XXXX GA '' and " XXXX XXXX OH '' and I haven't used my card since XX/XX/2019. 
I called customer service XXXX on XX/XX/2019 to report it and they gave me a Reference # XXXX where they told me that I will receive an answer on 7-10 days and that they can't cancel the account until the case is solved but I didn't receive any answer. 
I called back today XX/XX/2019 for an update on the fraud committed and the customer service at the fraud department told me that this fraud was sent to be " disputed '' not to be treated as a fraud. Now, this fraud is starting to be investigated and I ask to cancel this account because I do not want to be impacted by any other fraud-related transaction. 
This is the second fraud situation that I am facing in the last 4 months.

Company response to consumer: Closed with explanation