BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-18
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2020- I saw a sudden drop of 67 points in my credit score. My credit use increased by {$2500.00}. My total credit use is $ XXXX 6 % of my credit limit of {$91000.00}. 

XX/XX/2020-at XXXX XXXX  EST I reached out to XXXX XXXX asking what's the reason of such a massive drop. There was a home rental inquiry apart from the credit drop. I got a copy/paste automated response telling me nothing but that it has dropped because of my credit use increase. I further asked what's the metrics used or formula or any empirical barometer used to gauge this drop or is it at the prerogative of XXXX XXXX, XXXX, Equifax or XXXX  to destroy my credit at their will. 

I got no response but that I should use my credit carefully. 

XX/XX/2020- I visited XXXX  's online dispute portal but after manuvering a while I found out that it's only a dummy for namesake dispute. It doesn't work- there are operational links and it doesn't navigate functionally at all to accept a dispute. I have a screen video of that. 

XX/XX/2020- at XXXX XXXX EST I called XXXX at XXXX XXXX XXXX and spoke to XXXX. After the initial screening I told her that the online dispute form is not working to which she said " how can I help you '' I asked her why my score dropped so drastically about 67 points. And she became rude and said you should not use so much credit. Upon that I asked what's the system, calculation or metrics to determine my score or its weightage. To which, she rudely asserted that she doesn't know that. 

I finally asked her if the XXXX  can destroy my credit at their own prerogative without any rhyme, reason or empirical evidence. To which she said no but that I should watch my spending. 

Last but not least after my credit score dropped- I immediately started getting mortgage offers at higher price than before.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I obtained a copy of my credit report and found that two companies were incorrectly reporting me as being delinquent on accounts that have already been paid off. I wrote both companies detailed letters addressing these errors and asked them to correct them. Company # 1 made the necessary corrections. Company # 2 has refused to correct the errors stating, " Based on the research, we have determined the account is being reported accurately to the consumer reporting agencies and will continue to be reported in the current manner. '' I have written several letters to Company # 2, made multiple phone calls, and even contacted the XXXX XXXX XXXX, yet nothing has changed. Their refusal to correct this error is unjustly and negatively affecting my credit report and credit scores.

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 2021-07-15
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: Was not notified of investigation status or results

Complaint:
Certified letters were mailed to XXXX, Equifax & XXXX on XX/XX/2021, to address unauthorized fraudulent information being reported on my credit report. No response 60+ days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: ID Analytics, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am requesting the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX XXXX Ct, XXXX, OH, XXXX SSN : XXXX D.O.B : XX/XX/1971 Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, XXXX XXXX, SAGESTREAM they also have records of files that are wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For several years I have been paying {$31.00} towards principal only on my mortgage so that I am able to pay my home loan off earlier ; a review of the payment history reveals Ocwen has been holding the principal payments made until the XXXX of the next billing month instead of applying payments received directly principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: SLM CORPORATION
State: NJ
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:
University XXXX XXXX XXXX in XXXX CA invites me back as a student and I am in need of a loan for apporoximately 3 grand and can not get accepted into one i am assuming because mom wasn't able to pay back parent loan on time at all times however now that i am back from my bad period of time, even then everything was payed back on time so therefore i SHOULD be able to get accepted into one. Could you please let me know which one and how to get it please? My credit is good. No worries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: JPMORGAN CHASE & CO.
State: CA
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 have not received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-10
Company: CURO Intermediate Holdings
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Speedy cash claimed I made an account with them in 2013. In 2013 I was able to receive any items like that because of the interest rate and because I was a military dependent which they are not suppose to give payday loan. Neither did i apply for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: EQUIFAX, INC.
State: TN
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:
i have never file for bankruptcy me and my father have the same name this maybe the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Searching for ammunition for a shooting competition, I found this online site ( XXXX XXXX XXXX  ). I XXXX  the site to make sure it was a real location, and when it turned up as a legitimate business in New Jersey, I proceeded with using the site. Submitting the order on the XXXX of XXXX, for {$1100.00}, it processed through. I was contacted by the " shipping company '' ( XXXX ) that the store uses, claiming I needed to pay an additional $ 1400+ for shipping fees, insurance, and a " diplomatic seal ''. 

At this point, fairly certain it was a scam, I contacted the help center of the site only for them to tell me that it is a normal practice for that amount of ammunition. I contacted again, requesting a refund, and received no reply. I contacted the phone number on the site, and reached someone at the " store '' who told me the manager handles online orders, and would be out till the XXXX of XXXXXXXX Waiting till the 1st,  I again tried to contact them with no results. 

Today, I contacted the store using the XXXX business page, only to be told that they do not have a storefront, and that they have been receiving multiple calls about their online store. I contacted my bank ( JP Morgan Chase ), who has told me that my money is completely lost and that there is no way for them to recover it, due to it being processed by their partner XXXX. XXXX refuses to attempt to recover the funds, despite them having the email that the funds were sent to, which must have a bank account connected to it. Chase refuses to submit a fraud claim, since the money was accepted by the scammer and is considered a " completed transaction ''. I have no support from either financial institution, and both are telling me that they have no way of recovering my money. 

Both Chase and XXXX are unable to elaborate on why they are unable to pursue the issue, other that than in their lengthy and fine-print filled disclosures, they offer no protection for personal transfers. But their site and application suggests using XXXX to pay for bills and other official items that would never be considered a personal transfer from one person to another. I don't understand why they are unable to track the funds, as both parties surely must have a digital trail of where the money has been sent. 

This site is still up and operating, and I am still trying to find some way to recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX ; XXXX and Transunion are reporting incorrectly on the XXXX XXXX partial account number ****XXXX-XXXX. ( Please see page 3 attached from my credit report. ) This account does not belong to me. I did not authorize this account, nor did I sign any documentation to open this account. This line item needs to be removed from my credit report. It is clearly being reported in error. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.

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 2018-05-08
Company: National Credit Systems,Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
National Credit Systems was contracted by XXXX XXXX XXXX to collect a debts which is based on a civil judgement meted out XXXX XXXX  Municipal Court in XXXX, Pennsylvania. I was ordered by Judge XXXX to pay a specific amount to XXXX XXXX XXXX, an amount which I have since paid to XXXX XXXX. National Credit Systems has insisted that I pay an amount to XXXX XXXX which is more than the court order administered by judge XXXX. I have sent documentation in addition to the copy of the court order to both National Credit Systems and XXXX. Both respective companies have chose to ignore the court document which is proof positive of the correct amount that is owed to XXXX XXXX. XXXX XXXX has purposely decided to report an incorrect that is owed to circumvent the civil judgment administered by Judge XXXX as a method to navigate around the law which disallows civil judgments from being reported to the major credit bureaus in the absence of particular vital information on the civil judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: MiraMed Revenue Group LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trailXXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX accord and XXXX Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: Experian Information Solutions 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:
XXXX ; Experian and XXXX  are reporting incorrectly on the XXXX XXXX partial account number ****XXXX-XXXX. ( Please see page 3 attached from my credit report. ) This account does not belong to me. I did not authorize this account, nor did I sign any documentation to open this account. This line item needs to be removed from my credit report. It is clearly being reported in error. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.

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 2018-05-08
Company: National Credit Systems,Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
National credit system is staying that I {$11000.00} for an apartment that was vacated..and given a ample time to get the apartment re-rented ... the amount is incorrect and I would like proof of the amount also whenthe apartment was re-rented after it was vacated I have disputed this with XXXX XXXX.XXXX and XXXX and they all say verified but no paper work is provided of proof showing the amount owed..in detail..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: EQUIFAX, 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:
I am writing the because I have reached out to the credit bureaus about inaccurate information on my credit report and I have not been getting any response back In accordance with Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MN, 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: CrossCountry Mortgage LLC
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Started the refinance process in late XXXX, provided paperwork after paperwork. Went though the month of XXXX and though XXXX. They kept asking for more documents. I received about eight closing notices. Each time expecting to get the loan finalized. Then, I needed more documents. I would ask, do you need anything else, and they said no. Then, they needed more, I have many emails in which they tell me they have everything. Then, I get the loan is in final approval in the underwriting department, thought we were going to close. Then, no, needed information on my forbearance notification. This came after three months of telling me they had everything. Now, I get the forbearance thing was new, but after three months they didnt t know this?

I really think the loan officer was trying, but the underwriter kept asking for more. No one from the mortgage company tried to call my bank, on a three call to verify that the forbearance has been moved to the end of the loan. I would of hoped that they would have reached out to FHA or someone that was familiar with the process. 
Bottom line is I want my loan approved and we can move on.maybe you can tell them how to get it done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
USAA Federal Savings Bank did not send me any notifications of a car payment was behind or in repo status. My husband had the car. Me and my husband separated due to XXXX  XXXX over a year and half now. My husband also got {$5000.00} money from XXXX XXXX  for the car in which I recently found out. 
I was getting the run around last year due to covid 1to reclaim 9 in which was going on sent 2 letters to USAA Federal Savings Bank with no reply. I was the co signer on the loan in which i could never get no real information to the loan by USAA Federal Savings Bank. 
I never received any letters of payments behind or the car went into Repo status with USAA Savings Bank. 
There was no notice to reclaim the car in repo or any letters mail to me of any kind to the said car. 
I now received a letter from XXXX XXXX in which is a collections company. 
I have also talk to attorney about this situation with this loan about notice of the the car payments behind and no letters to reclaim the car when it was going into repo status from USAA Savings Bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
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: Account status incorrect

Complaint:
Account Name : Dept. Ed XXXX. Account XXXX  XXXX******** ( both accounts ) Account Name : Dept. Ed XXXX. Account Number XXXX******** ( both accounts ) Violation Reported : missing reporting payment dates.

Violation Reported : reporting dates states OK, to 90 days, to OK days late.

Violation Reported : account dates XX/XX/XXXX, 90 days late.

Violation Reported : account dates, XX/XX/XXXX, no reporting.

Violation Reported : account dates XX/XX/XXXX no reporting.

Violation Reported : account datesXX/XX/XXXX no reporting.

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 2021-07-15
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX was never sent to me, I never received bill or phone call and suddenly saw a bill collection of {$170.00} in my credit report. I called the company Transworld Systems XXXX XXXX XXXX XXXX, XXXX, DE XXXX ), Account XXXX and they said it was a XXXX XXXX initial medical bill, they didn't even have my correct address. Company refused to delete entry in my credit even though they admitted they never sent out the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Account Name : Dept. Ed XXXX. Account Number XXXX ( both accounts ) Account Name : Dept. Ed XXXX. Account Number XXXX ( both accounts ) Violation Reported : missing reporting payment dates. 
Violation Reported : reporting dates states OK, to 90 days, to OK days late.

Violation Reported : account datesXX/XX/XXXX, 90 days late.

Violation Reported : account dates, XX/XX/XXXX, no reporting.

Violation Reported : account datesXX/XX/XXXX no reporting.

Violation Reported : account dates XX/XX/XXXX no reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
The State of California law requires an auto loan is 24.9 % my credit report shows that Santander is charging me 27.9 %. My contract with Santander says 25.9 %

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: EQUIFAX, INC.
State: NV
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:
XXXX  equifax and XXXX  has not currently updated my credit report I have documents proving yeah continental reflex and XXXX on the website stating dirty accounts are XXXX balance I notice accounts are closed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: EQUIFAX, INC.
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:
XXXX # XXXX is reporting a charged off collection on my account. However this is past the statute in Utah and I no longer owe this debt. This needs to be removed off of my credit.

Company response to consumer: Closed with non-monetary relief