BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-06
Company: Experian Information Solutions Inc.
State: WI
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:
Both now XXXX XXXX XXXX { which has been reported to the Washington Attorney General } and XXXX have maliciously destroyed me Both and all including yourself have made a XXXX mess which I am willing to contact the News and have all exposed. This is what you all have managed to do Wipe out my good credit that I worked hard at, THANKS XXXX drop me from XXXX score down to nearly XXXX, and XXXX has managed to XXXX me out no thanks to YOU! I have had it with the covering up, the lies and the deception from all of you And I am now going to use the money I have saved for a Car, to hire a ATTORNEY and sue ALL OF YOU FOR TORT, PUNITIVE DAMAGES and FRAUD. You have XXXX me off this time XXXX XXXX, 2017, I CALLED XXXX XXXX AGAIN, THE ACCOUNT IS {$0.00} AND THE ACCOUNT HAS BEEN CLOSED OUT AS PAID IN FULL, THEY HAVE SUBMITTED TO ALL THREE CREDIT FRAUDERS THE INFO, SO WHOEVER IS XXXX AROUND, YOU APPARENTLY HAVE NO IDEA WHAT YOU ARE DOING BUT TO KEEP THIS GOING FOR 5 MONTHS TELLS ME ITS TIME TO FILE A XXXX LAWSUIT, THAT MEANS I HAVE TO TAKE A LEAVE OF ABSENCE, LOOSE MORE MONEY BECAUSE YOU IDIOTS CANT FIGURE OUT WHO IS WHO. YOUR ALL SO XXXX PATHETIC, YOU COULD N'T FIND A BROTHEL IF IT WAS RIGHT AROUND THE CORNER. THAT 'S JUST PRETTY SAD. GUESS I MAY HAVE TO ALSO CONTACT THE WHITE HOUSE AND LET THEM KNOW THAT THEY GOT MORE INCOMPETENT PEOPLE CLAIMING TO BE WALKING ENCYCLOPEDIAS WITH EMPTY PAGES. NO WONDER THIS NATION IS SO XXXX XXXX, LOOK WHO 'S LEFT TO HANDLE THINGS!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: FIDELIS RECOVERY MANAGEMENT, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Everyday for the last 3 months, they call my work number and let it ring once and hang up. They do this between 5-7 times a day. They are harassing me at work, but when I asked them to stop calling my work and to call my cell, they still call. 
Multiple calls daily, just calling and hanging up.

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 2021-02-23
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 NEED HELP GETTING THIS ERROR CORRECTED ON MY CREDIT REPORT DUE TO IDENTITY THEFT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: PROVIDENT FUNDING ASSOCIATES
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been a customer with Provident Funding for over 10 years and subscribe to autopay. I have never missed a payment. In XXXX, I tried to refinance my loan to save money and while the tentative refinance was authorized through the same mortgage lender, I decided not to incorporate the additional fees for closing. Instead I decided to add an additional {$500.00} for principal on the autopayment. Unfortunately Provident did not accept the auto payment as instructed and instead had reverted back to an older bank account which had not been used in 3 years. I just received notification via a spam blocked voicemail stating to contact them. Once I realized the payment didn't go through, I made the payment manually again and contacted them twice to remove the late fees. They refused to remove all late fees and other associated fees to the account stating that I was late in my payment and took no responsibility for making any changes or having XXXX glitches to their system. They encouraged me to file this complaint stating they have enough proof to show that I put the incorrect information back in the system -- -even though there is no possiblity of me doing so. The manager was XXXX while the other clerks were XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: Patenaude & Felix A Professional Corporation
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
The Law Firm of Patenaude & Felix first sent a letter in XX/XX/XXXX which I responded same day via email and telephone to the offices. I never received a call back or response by email. Then in XXXX they sent me Affidavit in Support of Entry of Default which I responded back stating I was willing to dicuss a settlement back in XXXX but no one responded to me which I mailed this letter XXXX overnight and they did receive and sign for it.. They did not respond back to this letter either instead on XX/XX/XXXX I received another letter stating I was in default and they were going to file judgement against me claiming I never responded to their communications which is a lie. I don't know why they are being deceptive and continue to harass me via letters threatening to take me to court. This has caused me so much stress the harassment for no reason when I have tried to work with them. This latest letter was dated the XX/XX/XXXX but postmarked on XX/XX/XXXX and received on XX/XX/XXXX. They are even deceptive in their mailings.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: Experian Information Solutions 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:
Experian did not investigate an account on my credit profile for XXXX  XXXX XXXX, XXXX XXXX XXXX, and 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 2020-09-01
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my loan recently and the mortgage was assigned to a different servicing company with the first payment due on XX/XX/2020. I mailed a check on XXXX XXXX which the company confirmed was received before the end of XXXX, 2020. 
However, my payment has never been " posted '' to my account after over 4 weeks and I am now receiving phone calls and letters stating that I am Past Due on my account. Furthermore, the servicing company has now turned off my Autopay function and now my second payment due on XX/XX/2020 will not be processed causing me to remain Past Due on my account for 2 payments.

The servicing company has been contacted 4 times in the past 3 weeks regarding this issue and keep telling me that their Cashiering Department is not responding to requests for an update on this issue or that I will receive an update " in a few days ''. They can not confirm when it can be resolved by posting my original XX/XX/2020 payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony Bank had established a credit line through their care credit program with me but closed my account without consent. They claim I am a high risk creditor, but I didn't carry a balance with them nor did I ever have a late payment with them. My overall on time payments is 100 % across all credit reporting agencies. I have a low balance to credit profile as well. This bank didn't contact me in regards to the closure. The closure negatively impacted my credit.

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 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
on my Credit report with Transunion there are 2 hard inquires that are duplicates. Both hard inquires show from " XXXX XXXX XXXX XXXX ''. The first hard Inquiry from " XXXX XXXX XXXX XXXX  '' was made on XXXX/XXXX/22, the second hard inquiry from " XXXX XXXX XXXX XXXX '' was made on XX/XX//22. Within a period of 2 days the lender " XXXX XXXX XXXX XXXX '' pulled my credit 2x. I have already reached out to the lender and they advised that is was a mistake but to get in contact with Transunion to Dispute. I have sent Transunion a dispute but they neglected to remove the duplicate hard inquiry.

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 2021-08-10
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Court ordered documents attached - demanding company remove from all 3 credit bureaus immediately. Misrepresentation on my credit profile and threatening phone calls have caused mental and financial damages

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
CREDIT REPORT DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania, XXXX ( XXXX ) XXXX Dear XXXX, XXXX, XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX Amount : SHard Inquiry XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX ( 2 times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB CArd XXXX XXXX  XXXXXXXX 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 XXXXXXXX XXXX I am disputing this claim due to : The reason being I have no knowledge of ever applying to and of these creditors This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed mav be additional evidence to support my claim. 
Sincerely, By XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon checking my credit report there is a debt collection on my report that i have no knowledge of i have never signed a contract with them nor any of there affiliates

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
There are some accounts listed on my credit that isn't mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
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: Problem with personal statement of dispute

Complaint:
For longer than past 2 year 2 collection accounts are been impacted my credit records. To start the been reported for investigation because they are not mine, but every single time the collectors re selling the account to another company and the get away with that to report the accounts over and over. After request investigation from the 2 out of 3 credit companies XXXX and experian they concluding the account are valid and they do not change or modify my report. 
Collection companies send me a letter asking to send a police statement to prof is fraud, after contact XXXX county sheriff office, they told me they are not in charge of these investigations, the job is done by credit agencies. Well my attempts fail over and for more than 2 years and credit agencies not providing anything back to me to validate the fraudulent accounts same as the multiple debt collector that these accounts are been pass over and over. When I call them they just tell me the call is going to be recorded and ask me my name and personal information to access the system after that the questioning back if Im the person on the account and after mi confirmation now Im confirmed the account is mine they told me in bed to paid and is recorded and they disconnect the call if Im no agree on what they said. Same thing happening today as I called Experian fraud department and XXXX took my call she asked me my social and after Im pausing to times and she warning me about not guess just one shoot to provide the number she said thanks for calling Experian have a great day and hand up  the phone on me. 
Same as the debt collector when Im not accepting the accounts are mine. Seems like Im obligated to said yes they are mine accounts even when they are not and pay for something is never been use or order by me? As the only way to solve the problem. Very frustreted.

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 2021-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX is reporting an account on my credit. report that i do not recognize ... I ve sent 4 letters to all of. the bureau to verify/validate this account, XXXX was not able to verify/validate this debt and deleted it from my credit report ... .How have transunion and XXXX been. able to verify/validate this account if XXXX could not? they. have yet to send me a signed copy of this so called contract ... .Arent XXXX and transunion supposed to follow suite as this can not be verified/validated? i need this deleted immediately or i will be contacting the state attorney as well as a cfpb attorney

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
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 had an account with NYST HIGHR ED and the primary person responsible for this student loan died.

I have contacted with NYST HIGHR ED regarding my account and they said this account has been closed and there is no balance. 
I have submitted primary loan borrower 's death certificate on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian is making it overly difficult to place a free security freeze on my credit without purchasing one of their other products. The other credit bureaus made the online process very simple. I'm mailing my information per instructions to Experian, but once the freeze is setup I'm afraid it will be overly difficult to remove when applying for credit. Hopefully I can maintain access to credit using reports from the other two bureaus only.

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 2018-07-14
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello CFPB, I hope you can help me. 
After closing my case in XXXX, Case Number XXXX ( public information and can be looked up online in California Courts records ) XXXX XXXX XXXX   a collection company with the address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, sent me a letter informing me I still owe a balance of {$820.00} outside of the settled case. I do not owe this amount and I called them and they told me I need to pay this amount to satisfy their client which is XXXX XXXX. The specified amount I owed was paid off and the case is closed. Now they are also calling me constantly and I need your help to stop them. Thank you very much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: CITIBANK, N.A.
State: NV
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:
Hello me and my wife traveled to XXXX XX/XX/XXXX to XX/XX/XXXX. We had purchased return home flights months before we went. At the end of XXXX is when the pandemic hit and the world was shutting down. Our return home flight was canceled, we would purchase another one and it would be canceled again, this happened several times. We finally found a flight on XXXX ( on Wednesday XX/XX/XXXX ) XXXX  had asked for our passport info. while booking these flights. This flight had a connection flight in XXXX, XXXX. When we got to the XXXX airport the next day ( Thursday XX/XX/XXXX ) for our flight, we were told we could not get on a flight to XXXX. XXXX closed its boarders to non-citizens on Monday XX/XX/XXXX. We tried getting help from XXXX  to get a refund or transfer the money to another flight with no help. We tried talking to the airlines directly with no help. We ended up getting a flight home with the help of the airport staff. Once we got home we filed a charge back with the credit card company that we used which was Citi. This was {$1900.00} in flights that we couldn't get on and XXXX was not helping and neither were the airlines. Citi gave us our money back but then took it back 2 months later. We kept the dispute open and spoke with someone about what a scam XXXX  is. There is even a XXXX   group about XXXX that I have looked to for answers, there are over XXXX members. We received a letter from Citi 3 months later saying that due to the time frame they are not able to help us and closed the case even though when we initially filed it was well within the 30 days. XXXX said that refunds could take up to 6 months. It's been well over that. XXXX is a terrible scam company and needs to be shut down. There are 2 issues here and I am asking for a charge-back due to non receipt of goods purchased and/or services. I would like to exercise section 75 of the Consumer Credit Act 1974 and get a charge-back in the amount of {$1900.00}

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 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXXXXXX

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 2020-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation to the credit bureaus and I have had no response The fraudulent accounts that are currently reporting are listed on the attached identity theft report along with the fraudulent and unauthorized inquiries. I have attached an FTC Identity Theft report and I am currently awaiting the police report.

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