BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-21
Company: Experian Information Solutions Inc.
State: LA
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:
This company has had numerous of attempts to fix my identity theft problems for months and now all of a sudden this breach has made it even more harder on me and my family with the identity theft. I have over 20 identity theft accounts on my credit report and over 40 something inquiries that I did n't authorize and 4 public records that are not mine I have never filed for Bankruptcy and this company still had n't done anything to fix all these issues. If this information is not updated and removed within 30 days I will fill a class action lawsuit for emotional distress and not investigating properly. I ca n't even get a job because all of the errors on my credit report. This company got breach because they are a sorry excuse for a credit reporting agency and they all should be fired. They hang up on people all the time and never really investigate anything.i have sent all my police reports and fraud affidavits to this company over and over and I would like freeze placed on my permanently and sent a code to unlock it when I want too

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 2023-02-16
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: Was not notified of investigation status or results

Complaint:
I tried to resolve this matter on my own several times. I have not received a response from them in over 30 days as law allows them to respond to me with proof I gave them consent to share my personal alleged transactions. They are sharing my information with 3rd party companies and making a profit without my consent or knowledge which is identity theft.please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or ( ANYCOMPANY ) such authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX   2016  my credit was pulled  XXXX  by a rep for  XXXX   XXXX   XXXX  without my knowledge. The  manager said t hey disclosed it to me but they did not. I do not understand why they lied to me and how they can get away with placing  XXXX  hard inquiries on my credit file. They also lied and said they offered me payment protection, but they did not. I do not understand why they will not tell the truth. Do you think I will waste all this time and go to this extent if they did their due diligence and I was informed of this? As soon as I found out I IMMEDIATELY requested them to stop sending me prescreen offers because I will not open any credit products with them for at least some years if ever again. It is the principle that I was not informed prior of  XXXX  hard inquiries which is a terrible business practice in itself. I do not understand why they pull my credit to open a savings which they require and then again in the same sitting for the vehicle loan which is why I came there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, 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:
Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loan payments are being applied to interest only instead of principal, then interest, including extra payments. I have asked for an explanation from the Navient advocate but have only received meaningless double-speak. Meanwhile, my loan amounts continue to increase rather than decrease. I pay {$200.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Radius Global Solutions LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Radius mailed a letter dated XX/XX/2020 to pay some unknown debt and at the same time reported to credit bureau. Never even gave me time to receive the letter in a middle of a PANDEMIC! Reported to credit bureau damaging my credit Im working hard to already repair. And theyre basically saying okay its nothing we can do about it today! Why not? You put it on there with the XXXX of a key!? XXXX the same key and remove it just as swift! Why are they allowed to report this and ruin peoples credit when we never get a chance to receive the communication?! And especially during a PANDEMIC!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file 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 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07
Company: Genesis FS Card Services, Inc.
State: MS
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:
CB indigo is reporting I have late payments on my account which I do not. 
The account that I made payments from cleared through my account XXXX XXXX later they returned then money and added additional charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hi, Citi Bank reached out to us with an email saying that we will be receiving a {$1500.00} opening bonus when depositing {$100000.00} and maintaining a balance for 60 consecutive calendar days.

We went to a branch and open an account with a banker on XX/XX/XXXX. It has been over 6 months now and we have not received the opening bonus from the bank. We reached out to the bank several times and opened tickets with different departments, however, the issue has not been resolved. 

We maintained over {$100000.00} in our account from XX/XX/XXXX - XX/XX/XXXX which is eligible for the bonus. Could anyone assist us with this? 

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 monetary relief
Consumer complaint received 2018-09-14
Company: Southern Management Systems Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I made contact with the creditor first on XX/XX/2018 to discuss my account. I was informed by the creditor that my account had been sent for collection with Southern Management Systems , Inc. I attempted to contact Southern Management Systems , Inc. to discuss my account. I was told the only way I would be able to discuss my account would be through my attorney, in writing or I could pay the account in full. The person I spoke with was very short with me. She would not listen when I tried to explain that I never had a conversation with anyone in that office indicating that I had an attorney. On XX/XX/2018, I requested in writing, a copy of any attempted correspondence with me, from their office informing me that my account had been placed for collection with that company. I asked for a response within 5 business days. When I did not get a response, I sent another letter acknowledging the debt and a pay-off schedule. I received a response from Southern Management Systems , Inc. on XX/XX/2018. In the letter the company stated that they were responding to my request to dispute and cease communication. None of this information is true, being the company never provided me the information that I requested. Since I was not provided with the information I requested, I have no idea when my account was placed for collection. The account has been reported to the credit bureau as a dispute. On XX/XX/2018, I sent the company another letter demanding that they correct the false information reported to the credit bureau or remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I've been asking for the signed contract between Wells Fargo and XXXX XXXX. 
Signature must adhere to Federal Law : ( Blue or Blue/Black Ink ), ( No Digital Signature ), and ( No Copied Signature ). I am unable to get this contract from Wells Fargo Headquarters, XXXX XXXX, CA.

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 2023-05-12
Company: Mr. Cooper Group Inc.
State: ND
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:
My mortgage payments were on autopay with our bank XXXX XXXX. XXXX  was in middle of an upgrade where autopay did not send XX/XX/2023 mortgage payment. XXXX XXXX/Nationstar Mortgage LLC serviced by Mr Cooper ( mortgage company ) did not notify me of a missed payment until following month, no attempt of communication was performed within the 30 days of late payment. Servicer said they called on XX/XX/2023 to ask about late payment. No evidence on my phone records show a call. No voicemail was made. No email was sent out regarding late/missed payment. Even after explaining what had happened with XXXX about upgrade failure, mortgage servicer would not file to remove credit penalty. I have attached my phone records with highlights of the day they claimed to have called me, on XX/XX/XXXX, which no call was made. Phone shot record shows no calls were incoming from XXXXMr Cooper on XX/XX/XXXX. On XX/XX/XXXX, you will see a highlight of their call to tell me XXXX was late, as the fix hadnt been made until that notification. I paid both XXXX and XXXX on that date. Had I known XXXX was late with a phone call XX/XX/XXXX, I would have made immediate payment. As you can see on my payment photo, after our call on the XXXX of XXXX, both payments were posted. XXXX XXXX is our bank, I can provide documentation that an upgrade has been in the process for months now and no notification was made to us that a missed payment was made. I have attached a conversation with the servicer where they say they will call on day 2 and send a letter. I have also attached the part where the letter should be shown that was sent in XXXX that I have a late payment. No letter exists.

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 2019-08-26
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I found a debt collection from IQ Data International in my account. It opens on XX/XX/2019. Original Creditor name : XXXX XXXX, CA. I have no idea what is the amount and what is that for. I submitted the dispute to the credit bureau already but it doesn't work and give me an explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: Experian Information Solutions 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 am a victim of identity theft. I have been a victim of identity theft since 2018. I have filed numerous police reports and complaints with the FTC. I am submitting this complaint to your agency to submit to the CRA 's. Please help me expedite the removal of the fraudulent accounts on my credit 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
Consumer complaint received 2022-08-05
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
PHH MORTGAGE Services deceptive practices on how much I owned on the monthly mortgage payments with me paying {$1900.00} my escrow shortage paid in full before XXXX of XXXX. Theres unknown balance owned and any other shortages to bring my Mortgage back to {$1000.00}. 
Billing Letter showing my XX/XX/XXXX payment due is {$1200.00}. 
PHH MTG website mortgage bill for XX/XX/XXXX due is {$1100.00} I paid {$1900.00} in full for my escrow shortage. 
Unknown fees not disclosed to correct my normal monthly mortgage amount back to {$1000.00} 10 months of trying to get an answer from PHH Mortgage and I am still waiting now. 
My original Mortgage amount is {$1000.00}. I paid my Escrow shortage of XXXX and now I still own more with no one telling me what is the exact amount that I owned to show my monthly amount back to {$1000.00}. 
I was forced to change Homeowner Insurance because XXXX XXXX  XXXXXXXX XXXX XXXXXXXX filed Bankruptcy in XX/XX/XXXX and drop my homeowner Insurance. I pick up XXXX XXXX XXXX in XXXX of XXXX and PHH will not tell me what I owe them to take care of my shortage in Escrow until XXXX of XXXX and the extra mortgage total amount due to show my mortgage back to its regular amount of {$1000.00}. PHH Mortgage company is running me around since XXXX of XXXX. Today XX/XX/XXXX, four calls to the Mortgage Company and they are still running me around with no answer. 
I have only until XX/XX/XXXX, to make my mortgage payment, then I will be hit with late fees plus no one will tell me the different that I need to pay to show my original normal payments. PHH Mortgage is running me in circle for 10 months and they are setting me up for a Foreclosure if I don't pay them what is owned, and I am unsure all the amount is due. I bought my house in XXXX of XXXX and never had a problem until now. I am 100 % sure that the mortgage company is doing deceptive practices with me. Can someone please help me to get to the bottom of why the Mortgage company is not disclosing total amount due so I can get back on track with my mortgage. 


I believe PHH Mortgage is trying to send me into foreclosed over deceptive practices not disclosing the total amount owned on Mortgage monthly bill. Why will no one at the Mortgage co. give me a straight answer and I have paid them {$1900.00} cent but now it's more money due that was never disclosed to me also more money will be due by XX/XX/XXXX, for late payment. I am confused and just need to know what is the totally amount to get my mortgage back to its normal payments.

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 2023-06-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 USC. 

Account : XXXX XXXX XXXX, violated my rights.

15 U.S.C 1681 Section 602 A. States I have right privacy.

15 U.S.C 1681 Section 604 A Section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of of information, other than records of convictions of crimes which antedates the report by more then more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or a has reasonable cause to believe that the information is inaccurate.

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 2021-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I HAVE ATTEMPTED TO RECTIFY THE ISSUE WITH TRANSUNION. THEY ARE CURRENTLY REPORTING FALSE, INACCURATE, AND UNVERIFIABLE INFORMATION REGARDING A NEGATIVE ACCOUNT WITH FIN RECOVERY. I HAVE ATTEMPTED TO RESOLVE THIS ISSUE WITH THEM ON MORE THAN SEVERAL OCCASIONS, AND NO ACTION HAS TAKEN PLACE REGARDING THIS MATTER AND IT IS VERY CONCERNING TO ME. PLEASE HELP ME RESOLVE THIS MATTER IMMEDIATELY, I GREATLY APPRECIATE IT.

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 2020-11-26
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have contacted the three credit bureaus several times about this matter still no update on accurate information I still have an accurate information no proof let me apply for any of this stuff Ive never even went To any college i see there is a account for dept of education i never signed up for i sent complaint # XXXX please remove inaccurate information this is hhurting my family and hindering my credit stopping Me from obtaining new employment please remove inaccurate information listed below Upon investigation XXXX XXXX XXXX  Closed Closed on XX/XX/XXXX XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX Closed Closed XXXX XXXX XXXX {$770.00} Needs attention XXXX XXXX XXXX XXXX  {$370.00} Needs attention XXXX XXXX XXXX {$160.00} Needs attention

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