BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-01
Company: Prosper Marketplace, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
PROSPER /XXXX  denied my loan on the basis that my PAY-STATEMENT WERE FALSE, stating that not real, acusing me of submitting fraudulent document which is false i have been working for this company for 11 years and these are the statement they always used, they simple assume, that because these statement can be generate online there false or fraudulent i have place a complaint to the office of the attorney general, federal trade commission XXXX local and federal authorities for defemination and accusation of commuting fraud i will like you bring this to your attention and all the authority 's of there practice and XXXX  and will take this all the way

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 2022-03-07
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: Information belongs to someone else

Complaint:
MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT AND REQUES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Experian Information Solutions Inc.
State: PA
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:
Upon recently viewing my consumer report I noticed many inaccuracies. On XX/XX/2022, I XXXX XXXX sent via certified mail to Experian, XXXX and XXXX letters asking them to please delete all old and previous items from my personal history for fear of identity theft and to remove all old employment and education history. 

I've only received a positive response from XXXX, who removed the old information and used the current information I provided. I feel like I'm being taken advantage of, and my disputes ignored by XXXX and Experian. 

FCRA 611 ( a ) clearly states failure to investigate the items within 30 days give reason to immediately delete the items from my consumer report. Its my right as a consumer to have proper, current information on my report. 

I demand old, irrelevant personal information be deleted immediately, or I will file for litigation due to the stress Ive undergone for fear that my information may fall into the hands of the wrong person creating further anxiety.

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 2022-03-07
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went to get a new car and seen so many collections on my account I didnt use I had to file a police report. My identity had been stole and I had to get a new drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: EQUIFAX, INC.
State: OH
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:
My personal information was stolen and compromise. I have file a police report. These account were open without my permission. This accounts are with the following collection agency :, XXXX, XXXX, & XXXX ( XXXX XXXX {$2200.00} ) XXXX XXXX ( {$590.00} ) XXXX 's ( {$1900.00} ) XXXX ( {$240.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Credit Corp Solutions Inc.
State: OH
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:
My personal information was stolen and compromise. I have file a police report. These account were open without my permission. This accounts are with the following collection agency : Credit Corp Solution XXXX XXXX {$1400.00}, XXXX XXXX {$2100.00}, XXXX {$1200.00}, XXXX XXXX {$1300.00} ), XXXX, XXXX, & XXXX (XX/XX/XXXX {$2200.00} ) XXXX XXXX XXXX {$960.00} ) XXXX ( XXXX XXXX {$770.00} XXXX XXXX ( {$590.00} ) XXXX XX/XX/XXXX ( {$1900.00} ) XX/XX/XXXX( {$240.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Last week, XX/XX/XXXX2017, I noticed with my Walmart Master card that the XXXX XXXX had lowered my credit limit. The reasons stated over the phone were that I had a delinquency on my credit report. the only reason I was told this was after spending 30 minutes on the phone with Walmart trying to get contacted to a customer service rep. This information is false and with further research I have zero. I actually have never had a delinquency. Walmart never called me nor sent me a letter stating that they were doing so. I have not had this issue with any other credit card. I also pay all of my credit cards on time and never missed one payment. This has significantly impacted my credit score by almost 14 points. I feel as though lowering my credit limit has impacted me more negatively then it would have been if they just left it alone.

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 2019-06-24
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX / PHH Mortgage Services, chooses not to look into loan errors affecting my loan assistance request. This loan servicer is not treating me fairly but opts to foreclose on me, yet my household income is currently stable and adequate to save my home.

1. Part of the reason my loan modification was denied, is because this servicer has incorrect data input on my loan file.

2. This servicer also did not calculate my income correctly during the loan review.

3. This servicer is keeping the foreclosure saledate active, as they will not bother to look into the other claims in my appeal request. Its seems much easier for this servicer to foreclose on me, than investigating my loan file or analyze it appropriately for a possible home retention plan. 

The circumstances that led to my default were inevitable and are behind me at this present time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX was filed to delay the auction of our property on XX/XX/2021. 

XXXX XXXX XXXX XXXX XXXX A short sale was granted by Rushmore Loan Management Services for the amount of {$300000.00} lesser the amount of the balance. The property was sold on XX/XX/2021 and was no longer under the protection of bankruptcy. 

Rushmore Loan Management Services sent a letter dated on XX/XX/2021 to Release of the Mortgage/ Full Reconveyance document that has been filed in XXXX XXXX XXXX XXXX with the Countys Recorders Office . 

The Lien Release Office with Rushmore sent along with the Certificate of Satisfaction dated on XX/XX/2021. 

The information on my credit reports shows that the property was a foreclosure, and does not provide any details about a short sale with the agreed upon pay out of {$300000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Fidelity National Information Services, Inc. (FNIS)
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: Personal information incorrect

Complaint:
Chexsystems has various addresses I never lived and phone numbers I never used. In XXXX, XXXX and XXXX I have requested removal of this inaccurate information with no resolution. The only accurate address is my current address starting with XXXX XXXX and the only correct phone number ends in 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 2019-06-22
Company: Navient Solutions, LLC.
State: NY
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:
I completed my XXXX degree  and began making payments to my student loan in either XX/XX/XXXX or XX/XX/XXXX. In  ~XX/XX/XXXX I called the student loan provider to inquire about eligibility for student loan forgiveness through working for a non-profit. I was told that after I make 120 qualifying payments I could apply. I then asked if I made payments for the next 120 days if I could qualify and the representative informed me that it has to be 120 billed payments. Fast forward to XX/XX/XXXXI called to inquire about lowering my student load payments under the revised payment plan. I was encouraged to consolidate my loans which changed my loan provider to XXXX. Now in XX/XX/XXXX ; 9 years after Ive been employed at a nonprofit, I apply for loan forgiveness and received a letter stating that I dont meet the number of payments needed since I consolidated my loans in XX/XX/XXXX. I consolidated my loans because the Navient loan provider suggested I do so. I was not informed that consolidating my loans will erase the 10 years of payments I made making me ineligible for the student loan forgiveness program.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
These multiple addresses are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX AV XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL My correct date of birth is not reporting XX/XX/1970

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25
Company: Nicholas Financial 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 information incorrect

Complaint:
Nicholas Financial refused to report my account correctly to the credit reporting agency here is the proof I have never been late and although account is paid in full to them they see it as non important to correct account see attached reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
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: Their investigation did not fix an error on your report

Complaint:
HELLO TIRED OF WRITING XXXX, EQUIFAX, XXXX ABOUT BREAKING THE LAWS. I XXXX XXXX THE LIVING HUMAN BEING NATURAL PERSON NEVER GAVE THESE AGENCIES ANY PERMISSION OR AUTHORIZATION TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. I AM PREPARED TO GO TO COURT IF THEY CONTINUE TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. 

NO CONSENT IS IDENTITY THEFT!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: WELLS FARGO & COMPANY
State: FL
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:
Issue : Overpaid my Wells Fargo ( 'WFC '' ) credit card payment on XX/XX/XXXX with assets from a Wells Fargo Account . Called customer service on XX/XX/XXXX and asked for the monies to be returned. I was told it could take up to 30-days and a check may be mailed. I see no reason that the funds, which where collected and paid from WFC account can not be credited immediately back to the account where the monies came from, a WFC checking account. I spoke with Customer Service Manager named XXXX. This is bad behavior, dishonest, not ethical, and abusive of power, not logical and in my opinion criminal. 

Consumer 's honest oversight ... .I had a XXXX payment due ... ..which I paid on-line on XX/XX/XXXX. In an effort to ensure my payment history is perfect, as I did not recall making the payment and knowing I owed about {$70.00}, I went on my phone and made what I thought was a {$70.00} payment but was actually a scribers error and was a {$700.00} payment. This resulted in a {$700.00} credit balance. 
It is unreasonable to take 30-days to return the monies, it is bad behavior to not act immediately, it is fraud not to return the monies immediately. XXXX, the supervisor, indicated that the monies would be held up to 30-days " because we can ''. This is an egregious attitude from a Bank that apparently has not learned its lessons on how to behave like a Bank. It 's no wonder they have set XXXX XXXX  aside for legal fees and promised in their XXXX that the number will be increasing to defending their unethical business behavior. So my financial reputation and ability to make my payments on other accounts is in jeopardy because the BIG BANK needs 30-days to research payment activity from accounts maintained at WFC and credit back the {$700.00} overpayment. Scandalous! 

WFC 's " marketing campaign '' to attempt to improve your image does not help when your employees are unable or unwilling to do the right thing. I was offered to spend additional time talking to a second supervisor ... .really ... how about WFC empower their employees to use common sense ... .unfortunately you ca n't regulate good behavior when you have dishonesty and bad behavior that get rewarded from WFC 's core management ... which is where it is learned ... .Keep investigating there is plenty of issues at WFC including thievery , thru an unauthorized loan of my assets to them, as referenced above.

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 2017-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
This complaint is in reference to a personal checking account that was opened during the year of XXXX. The account is currently closed. 

Approximately around early XX/XX/XXXX, I made an in person inquiry to a branch in XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) to request a document that indicated a series of Cashier 's Checks were purchased and paid via my personal checking account. The payee was ( XXXX XXXX ) I spoke to a banker in the customer service area and explained how critical and important it was to receive the retrieval of these Cashier 's Checks since my mother is a plaintiff for a lawsuit related to an illegal foreclosure. I explained the narrative of the case and advised there is a scheduled court trial in early XX/XX/XXXX.I left copies of all the Cashier 's Checks and they assured me I will receive this information by mail. I have not received anything by mail or a call from the branch thereafter. I called customer service and walked into the branch, yet they did n't have any information since this was forwarded to a different department within the bank..The defendant in the case is claiming these checks were never received nor paid to. It is imperative I receive these documents to present to court in a few weeks. Up to now, I have had a very challenging experience in retrieving them from Bank Of America. I have attached all copies of these Cashier 's Checks for your review.

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 2022-03-07
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
My Experian credit report shows hard inquiry since XXXX  which should be removed from my report by now My Experian score is frozen on XXXX score and never grow I need full detailed explanation for why my score is never go up however I use 30 % of my credit limit and always pay on time I need a full explanation as because of that Im not able to get approved for conventional Mortgage and Im stuck with an FHA loan that is refused by all sellers I need To know what is the error and why my score is frozen on XXXX score even my payment history is great.

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 2021-04-16
Company: EQUIFAX, INC.
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a victim of identity theft, I have tried numerous times to rectify this, My social security number is being used fraudulently, I DO NOT HAVE A MORTGAGE WITH XXXX XXXX XXXX. I sent court documents and FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: EQUIFAX, INC.
State: PA
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 desperately tried to get help with this account but this company they are continuing to report information on my credit wrong No Name-XXXX past due amount missing Monthly payment missing No high balance Payment history missing XXXX XXXX-XXXX No high balance Payment incomplete also late payments are being reported when account is closed XXXX XXXX XXXX XXXX XXXX the account status is missing and the payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: R & B Corporation of Virginia
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have documentation to provide showing proof this was paid. I want it off my credit report, Im just not sure how to go about getting that taken care of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
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: Information belongs to someone else

Complaint:
I have been disputing fraud items on my credit report since XX/XX/XXXX. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is signed and attached with an FTC and Identity Theft affidavit, yet the bureaus are still not taking any actions. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the accounts claim to be mine. Not only have I not received any mail showing the verifiable proof needed to justify the items to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money with no end in sight and no results to show. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! THE DISCHARGE PAPER FROM THE COURT IS CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 

XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX  XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$87.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance XXXX XXXX  ; XXXX XXXX Date of inquiry XX/XX/XXXX ; XXXX XXXX Date of inquiry XX/XX/XXXX ; XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX ; XXXX XXXX  Date of inquiry 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