BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-31
Company: Experian Information Solutions Inc.
State: MO
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, my credit files, and my integrity all has been compromised by either theft, the dark web, XXXX  breach, or the lost of my identity when my wallet stolen. I've summoned the credit reporting agencies to produce A Method Of Verification to show cause of their reportings. Never once have I received any physical documentation of these unknown and unauthorized accounts. But for some reason the credit reporting agencies relay on electronic verification, when infact " As a general rule of law electronic verification can not be accepted as proof. I demand that the following accounts be removed and blocked from my credit files. 

1 ) XXXX XXXX {$120.00} 2 ) XXXX XXXX   {$1800.00} 3 ) XXXX XXXX  {$340.00} 4 ) XXXX XXXX XXXX {$1100.00} 5 ) XXXX XXXX  {$260.00} 6 XXXX XXXX XXXX   XXXX {$61.00} 7 ) XXXX XXXX XXXX  8 ) XXXX   XXXX XXXX  XXXX XXXX  9 ) Dept of ED/ XXXX {$56000.00} 10 ) Dept of ED/ XXXX {$31000.00} 11 ) XXXX  XXXX  XXXX 12 ) XXXX  XXXX  13 ) XXXX XXXX  XXXX 14 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 2019-08-23
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2020-05-31
Company: LoanCare, LLC
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My mortgage ( Lender ) " '' XXXX XXXX  Attn : Consumer Solutions Department XXXX XXXX XXXX XXXX  XXXX, VA XXXX A.K.A MyLoancare.com '' '' has allegedly approved me for a forbearance however a statement sent to me advised that i am two months behind and according to previous terms ; that constitutes for Credit impact and a potential foreclosure. I have attempted numerous times to fix the problem with the lender However i keep getting the round around no one gives me an answer and my statement yells late and foreclosure. I have asked them to update my statement however they refuse. I am seeking assistance as their practices are misleading and are impacting my wellbeing making me thing I will be without a home. Please assist me in getting them to fix their statements at this point I do not know if I have been approved for a forbearance due to I have been financially impacted by Corona Virus.

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 2020-08-25
Company: Experian Information Solutions Inc.
State: AR
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 was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$120.00}

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 2020-11-15
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
CONVERGENT OUTSOURCING ( a collection agency ) has placed derogatory information on my credit report. The alleged debt is for : {$1300.00} and the original creditor is : XXXX XXXX. I HAVE NO KNOWLEDGE OF THIS ACCOUNT. In addition to that pursuant to the FCRA, FCBA and the FDCPA I never received any written notice at any time to notify me of their attempts to collect on this alleged debt. 

Pursuant to the federal law my rights were violated as a consumer and the have violated a federal law. Especially for placing invalid derogatory information on my credit reports and they should not be allowed to get away with this unfair practice

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 2018-03-09
Company: HW Holding, Inc
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:
On XX/XX/2018 I contacted XXXX with XXXX at XXXX XXXX in concerns with a listing on my credit report in the amount of {$470.00}. XXXX stated that she checked he system and wasn't sure of why her company is listed on my credit report. She then stated that she is the assistant manager and she is not sure the debt is even true. She advised me to contact XXXX XXXX and see what information they have because if its being reported by them then that means they no longer own the debt and she doesn't want to discuss something that she knows nothing about. On XX/XX/2018 I contacted the Equifax in regards to a listing on my credit report. I spoke to a rep by the name of XXXX Id # ( XXXX ) I advised him that I wanted to file a dispute with a company called XXXX 's XXXX in the amount of {$470.00}. XXXX was very unhelpful, he basically refused to file my complaint. I contacted XXXX XXXX on XX/XX/2018 and spoke to the rep by the name of XXXX Id # XXXX XXXX ). I contacted her because I was concerned with this item that listed on my Equifax report and also listed on my Husbands XXXX, XXXX, XXXX report. XXXX advised me that she has no item in her system for this amount and was unaware of the account in questioned. On XX/XX/2018 I contacted the XXXX XXXXXXXX XXXX for assistance

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX continues to report inaccurate on my Experian file as XXXX charged-off accounts. This account was included and XXXX in my Chapter XXXX bankruptcy.

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 2017-08-01
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a collection notice from   XXXX   trying to collect a debt of  XXXX  When I contacted them to find out what the debt was for I was told it was on a Citibank Card for a purchase in  XXXX  at   XXXX   XXXX   XXXX  . I was told last payment was made  XX/XX/XXXX  Have never received any notices on this debt & have no idea about this charge. Ca n't believe they waited 12 years.   XXXX   received info from Citibank in  XXXX  & has just now sent out the notice to me. Have no documentation since I have no idea about this charge. I never received any notices to even dispute the charge.

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 2020-05-31
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ
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:
HESSA - reported 2 late NJCLASS student loan payments in Violations of the Fair Credit Reporting Act, 15 U.S.C. 1681. 

They have mishandled desperately-needed federal relief granted to students under the Coronavirus Aid, Relief, and Economic Security Act, Pub. L. No. 116136, ___ Stat. ___ ( 2020 ) ( the CARES Act ), by, among other things, inaccurately reporting information about student loan payments that were suspended under the CARES Act. 

A class-action lawsuit is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: ResidentCollect, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Innovated Recovery Inc. have falsely represented there self by trying to collect from me money that is the wrong amount and for the wrong apartment complex. I did attempt to resolve by trying to settle the difference and they declined. I feel that it was wrong that there was no proof of the balance on my credit is correct so I ask to settle at a reduced rate to no avail. Please help me close this matter in a amicably.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
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:
I discovered I had been a victim of identity theft a couple of years ago. I was told by the credit bureaus that I needed to file an identity theft report to be forwarded to them which I did. 

That is when I learned that they were supposed to block the items from my credit report upon receiving the requested documents. I sent this information to them more than once. The last time was in XXXX of 2020. That was according to them, per our conversation on XX/XX/2020. 

I recently went to apply for an XXXX XXXX  when I discovered the items were still there. I reached out for some legal advice on how to handle this. I was then educated about the FCRA and the XXXX. Experian refused to block the accounts when I called. 

I asked them if the federal regulations didnt apply. The lady from the fraud department told me that I didnt qualify. I asked her how I didnt qualify to be protected by federal regulations at that point, in which she said that it was company policy. She said she couldnt tell me why I didnt qualify and continued to argue that company policy supersedes federal regulations. 

I am now at risk of losing my employees during these hard times because Experian feels like they need to take the law into their own hands. Please help me to get this resolved. I didnt ask Experian to store my personal records. They choose to do this for profit, which is really disgusting to witness them handle peoples lives like this.

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 2018-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Transunion is reporting that I filed a bankruptcy on XX/XX/XXXX for {$0.00}. I sent a dispute letter directly to Transunion that I had not filed a bankruptcy for {$0.00} and the information they are reporting is wrong. I also sent a letter directly to the bankruptcy clerk to ask if they verify any information with the credit bureaus. The bankruptcy clerk stated they do not verify any information with credit bureaus. After TransUnion investigated, they stated the information was reporting correctly and would remain on my credit report until XX/XX/XXXX. I would have no need to file a bankruptcy for {$0.00} that makes absolutely no sense. TransUnion also would not provide the name of the company that they verified my bankruptcy with so I have the opportunity to dispute directly with that company. This is a direct violation of the FCRA and these credit bureaus are allowed to continue these illegal practices and tactics.

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 2018-05-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please review the previous complaint and response from # XXXX. 
Not only did they mislead you in their response, claiming that the impound accounts don't get modified until a 6 month review, when they changed the amount immediately, in their first billing. They have also lied about providing an actual " Certified Copy '' of the original loan documents, and the Note itself. They sent another electronic file copy, which is not the same, but the last complaint was closed before they fulfilled anything they promised. 

I believe this is further proof that they are not in possession of the actual security documents, and as stated before, who then can return these documents upon payoff? Who actually has the documents, and at what point will they demand payment? 
Perhaps they no longer exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, This concerns from the very start of my refinance with my broker to be assigned to Loan Care as my new mortgage company. I was told by my broker that Id be contacted where & when to make a payment to my new mortgage company. When I finally was given the information & paymentbook I was already almost 1month behind .this made a instant problem. Ive tried with many phone calls to try to resolve this issue but its never been a permanent fix & peneltys & interest continue to add Ive never yet been 30 days late only 29. Im a XXXX man XXXX early had a great state job. I now early retired my income is my retirement & Social Security XXXX. Making almost XXXX less than I previously did. I live now paycheck to paycheck the only solution Ive been given by Loan Care is to make up the difference when I can.that is no resolve for me as I said you budget is very tight. Meanwhile I get added fees & runarounds & rudeness by select employees when I have to call in my payment the last time I called I got no where I then asked to speak to that persons manager only to get no resolve I then asked for their manager to get a name to speak to of XXXX but discussed as every time I call I just decided to try this route to resolve this ongoing frustrating situation I hope this can be resolved its been going on for to long. 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 explanation
Consumer complaint received 2019-08-23
Company: The Outsource Group, 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 would need this account to please be removed from all there of my reports. XXXX has charger me XXXX for a bill and my son has XXXX at the time

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 2018-07-31
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX are reporting two collection accounts on my credit report one opened XX/XX/XXXX for the amount of {$54.00} and the second one opened XX/XX/XXXX for the amount of {$83.00}. I checked the Secretary of State website to see if this debt collector has a local general business license to operate in California as stated by the law and this company is not locateable as a Corporation or a LLC/LP.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Earlier this year, I had invested in the " XXXX XXXX '' XXXX, acquiring XXXX tokens in total. On the XX/XX/2018 I decided to withdraw these tokens, and sent them to my crypto wallet at " Coinbase.com ''. After waiting several hours and not seeing the transaction appear in my Coinbase account despite it being visible as completed on XXXX, I contacted Coinbase at which point they advised me that they in fact do not accept that form of token, were unwilling to return my transaction and that I should consider it lost. I went on to request that my issue be escalated which it was, and I received one more email stating the same as the previous. 
Since then they will not respond to my communications. I believe that this is a case of theft, regardless of how they try to hide it behind the guise of technological issues. They have access to my funds, which at the time were equivalent to somewhere between {$3000.00} - {$4000.00} and refuse to either credit them to my account or return the transaction to it's original location, something that in any financial institution would have been done automatically by appropriate mechanisms.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: BTH Management
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 had two similar negative marks placed on my credit report, both from payday advance companies. I have never opened a payday loan, so these are not my debts. I requested removal/verification from both companies, and one mark was removed. The remaining company refuses to remove or validate the debt, even though I have contacted them several times and filed a Better Business Bureau complaint against them. 
This negative mark is seriously damaging my credit, and I have been unable to apply for a mortgage as a result.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: EQUIFAX, 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 have disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX I never paid the following accounts late, XXXX XXXX XXXX : XXXX is reporting no late payments, XXXX is reporting a a payment status of Current but a late payment of 30 days late in XX/XX/XXXX and Equifax is reporting no late payments, XXXX : XXXX is reporting a payment status of Current but late payments of 30 days late in XX/XX/XXXX and XX/XX/XXXX, XXXX is reporting a payment status of Current but late payments of 30 days late in XX/XX/XXXX and XX/XX/XXXX, Equifax is reporting a payment status of Current but a late payment of 30 days late in XX/XX/XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX Account Number XXXX XXXX is reporting an opened date of XX/XX/XXXX, XXXX is reporting an opened date of XX/XX/XXXX and Equifax is not reporting this account, XXXX  Account Number XXXX XXXX and Equifax is not reporting this account, XXXX is reporting an opened date of XX/XX/XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, XXXX and Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: DISCOVER BANK
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Today, XX/XX/21, I have received calls from this number. This is not the first time, there have been several days within the past month or so that I have gotten these calls. 

I have repeatedly told them that they have the wrong contact information. I am not the person they are trying to reach. I have repeatedly told them to stop calling me. I have repeatedly told them that I will reach out to the FTC if they continue to call me. None of these things has been a deterrent. 

They quite simply will not stop calling!!!!

Company response to consumer: Closed with non-monetary relief