BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-18
Company: EQUIFAX, INC.
State: NC
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 wonder where Equifax and XXXX get the bankruptcy status on my XXXX XXXX XXXX. I have never filed a bankruptcy. XXXX did not even report it this way. Not to mention, Equifax and XXXX wont fix the account after sending numerous letters and they wont give me an explanation as to why..CFPB please step up and remove this error

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2019-05-17
Company: Colony Brands, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In XX/XX/2017 swiss company checked my credit report without my knowledge or authorization. They have an account listed on my credit file and I have asked them to validate the debt that is being reported in which they have not done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX ; XXXX/XXXX  ; account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2020-03-23
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am receipt of the Servicer 's letter dated XX/XX/XXXX but having difficulty processing the following statements : : On XX/XX/XXXX, funds were received in the amount of {$300.00}, for the XX/XX/XXXX, monthly payment of {$350.00}, which was short {$47.00}. In addition, they requested If you believe a payment other than those indicated in the enclosed payment history has not been applied to the account, you may provide documentation such as a copy of the front and back of the cancelled check ( s ) or money order or bank statement reflecting full details of the cashed payment, to the address listed in the letterhead above, for further review. 

First, my complaint was not addressed I provided the Servicer with a copy of the money order dated XX/XX/XXXX along with receipts for money order purchase and priority mail delivery. 
Second, I did not receive a payment history record from the Servicer as they stated, nor do I require one. I have been making payments of {$350.00} since XX/XX/XXXX. Therefore I am well aware of the amount of forwarded payments. Third, The Servicer clearly does not want to admit an Error has occurred on their behalf. Instead they redirect or cover the matter at hand. Lastly, I am requesting a copy of my money order received by the Servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I've been trying to set up an investment account for ages. I tried with PNC originally to set up a brokerage account and they were unprofessional with me. Now that I'm trying other online services the company won't let me do an account transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello Subject property, Loan # XXXX XXXX XXXX XXXX XXXX, XXXX Arizona XXXX This home is and always has been a rental property. 
The current loan is serviced through .Specialized loan servicing ever since the loan was sold by XXXX XXXX XXXX 
With the current Pandemic and the current tenants having trouble making there payment. I thought I better contact Specialized to review my options. This loan is a non Government backed loan. I asked who owned the note and was informed specialized would not tell me without a written letter. 
A letter was sent to the address was sent to specialized on XX/XX/2020 asking who owns the note received a letter saying Specialized had received my letter on XX/XX/2020 As of XXXX I have no idea who owns my note and am asking you to assist me in getting this question answered If Specialized keeps withholding information that I am entitled to. I would like to see you fine them. At that point I shall seek a legal remedy.

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 2018-10-31
Company: Santander Consumer USA Holdings Inc.
State: LA
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:
The derogatory marks on my credit report is blemishing my credit report which prevents me from obtaining the credit that I deserve. I have made several attempts to resolve this issue by asking XXXX, XXXX  and XXXX  to remove late payments. The only responses were from auto generated letters stating that the accounts are valid. Under The laws of FCRA I have the right to dispute the validity of these accounts and proof from the credit bureaus must be given upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-20
Company: Bread Financial Holdings, 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:
On XX/XX/XXXX an account with XXXX XXXX was opened and closed XX/XX/XXXX I talked to several reps a XXXX  and XXXX told me it was my account I asked how was it mine and the phone number that was attached to the file wasnt mine! Which was XXXX my number is XXXX Ive submitted a police report with XXXX and they still will not remove the file from my credit report! XXXX and XXXX took the item off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I requested a forbearance from Firstmark Services, the servicer for my XXXX private student loan, in XX/XX/XXXX because of financial hardship due to reduced work schedule and childcare needs during Covid 19. I was told I would receive communication from the company informing me whether I qualified for a forbearance. I received no such communication, by electronic or paper means. There is no forbearance or deferment application available on their website -- calling the company is the only way to receive an application. 

I made a payment of {$550.00} on XX/XX/XXXX, but was unable to continue payments for the following months for the reasons stated above. On XX/XX/XXXX, I called FirstMark to again request information about forbearance. I was told I qualified to apply for forbearance and would receive an application by email, which I would need to return by XX/XX/XXXX to avoid negative credit reporting. I received no application. On XX/XX/XXXX, I called FirstMark again to request a forbearance application and was told a rush request was placed and that I would receive a forbearance application in my email by XXXX central time on XX/XX/XXXX. I received no application or other communication from them. 

As a result of FirstMark 's delay, negative information will be added to my credit report. I understand the responsibility for paying my loans, did so when financially able, and intend to do so when I am again able, which will likely be XX/XX/XXXX. I am waiting to start a new job, information I shared with FirstMark. However, while I am waiting for this new opportunity to start, FirstMark is obstructing my ability to take reasonable temporary measures to protect my financial health, all in the midst of a pandemic. To add insult to injury, FirstMark has started calling my former employer in an attempt to collect this debt, completely ignoring the fact that I have been trying to resolve the issue with them through established channels and that the account remains delinquent in part as a result of their own inaction and borrower unfriendly processes. 

Please note that the only way to email FirstMark services from their website is to fill out a form that leaves no paper trail on the borrower 's end. Thus, I have no documentation to submit supporting this claim. Presumably FirstMark has records, which I can only hope will be accurate and which I can only hope they will be willing to share if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: BROKER 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: Information belongs to someone else

Complaint:
I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: Receivables Performance Management, LLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In Spring/XX/XX/2018 I switched from XXXX to XXXX. When I made the switch, I contacted XXXX about porting my number to XXXX. They told me that the switch would be fine and all I needed to worry about was sending my old device back ; they never mentioned anything about additional funds owed. I received their shipping box and sent my old device back.

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 2018-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've been reporting about some accounts appear to be old and inactive longer than 7 years on my credit file. This goes against the Fair Credit Reporting Act. The dates are wrong & may be manipulated in order to keep on my file longer which is illegal. 
I am disputing the following credit entries by : XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX ( incorrect data and many years old ), XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX ( many duplicate accounts ), XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX was paid in full and XXXX XXXX XXXX was an account agreed to be removed many years ago and now its back on my credit file under a different name.

Please remove any information including inquiries regarding the inaccuracy mentioned above. Please review all of my supporting documents including letters to XXXX XXXX XXXX since the debt that they claimed I owed so long ago was false and now under a different name XXXX XXXX XXXX  with a new starting year. I do not owe this debt. XXXX XXXX XXXX has removed this info at one time. I previous settlement was made in a payment out of frustration. The creditor at the time agreed the balance was settled but the remaining balance was transferred to XXXX XXXX and now transferred again to XXXX XXXX XXXX or XXXX. It was also transferred over to XXXX XXXX XXXX, XXXX, and XXXX XXXX  at one point many years ago. All of the creditors have been in violation in accordance of the Fair Debt Collection Practices Act and have been corrected 8 years ago. These false accounts have denied me recent credit and loans.

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 2021-10-14
Company: Credimatico LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Senor Dinero has illegally and unethically repeatedly withdrawn money from my bank account. I have written them several times revoking XXXX  authorization because the loan is paid but they continue to do so. 

I've also asked them to cease and desist and to not contact me. However ; they are continuing to harrass me via phone, email, and have contacted my relatives and associates in an effort to embarrass me. 

They do not follow Debt Collection Laws and should be out of business

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 2018-02-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On three recent occasions, JP MORGAN CHASE BANK has been manipulating/ reordering transactions on my checking account.

The first two purchases ( same merchant ) were made on XX/XX/XXXX ( for {$10.00} ) and XX/XX/XXXX ( for {$8.00} ) and posted quickly. However, the transaction disappeared a month later, and now reappeared as posted on XX/XX/XXXX - almost a MONTH later. The third transaction ( second/ different merchant ) occurred when I made a purchase on XX/XX/XXXX ( for {$7.00} ) and posted within two days. However, transaction disappeared as well, and now re-posted on XX/XX/XXXX - WEEKS later. 

I called both merchants to verify when they collect and their funds from the bank and assured me that they do so within days. When I called the bank, they deflected stating that it is unlikely merchants collected so quickly and that they usually/can take up to a month to collect funds from the bank. What?? I informed the agent that by logic, no merchant - especially a small vendor would want to wait that long to collect monies, and I reminded her that I had originally seen these amounts posted to my account and now re-posted under a new transaction date as of XX/XX/XXXX. 

No explanation or resolution was offered other than " we're sorry to hear you were inconvenienced '' was offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 will attach the hard inquiries Customerservice wasnt willing to remove.

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 2020-03-23
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 filed a compliant a few years ago and these accounts just showed up again that are not 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 non-monetary relief
Consumer complaint received 2020-06-23
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:
This creditor is giving me no choice but to file a Cfpb complaint regardless I have been disputing this account since XX/XX/2019. I do not see that they are taking my disputes seriously as they keep on reporting the same information without investigation. 

The incorrect and inaccurate reporting is greatly affecting the credit score that hinders me from getting a car. I already disputed this account and called the creditor and yet they havent fixed this issue. This account is only reporting in Transunion which I do not understand what is the basis on keeping it in my credit report. Most of the account information in the report was inaccurate. I would like this account removed as soon as possible.

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 2018-10-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/2018, I tried to cancel my Experian Credit Tracker account by following their instructions listed on their website : https : //experian.experiandirect.com/credit # /signin Here are the instructions : " How do I cancel my membership? 
If for any reason you are not satisfied, you can call us to discontinue your membership and stop the monthly billing. However, you will not be eligible for a prorated refund of any portion of your current month 's paid membership fee. To cancel, please contact Customer Care at XXXX. '' After a call to that number I was instructed to enter the following information : Social Security Number, Zip Code, house # of my street address, birth-date ( mmddyyyy ) and followed the menu option to select membership and cancellation but was told by the system did not have a membership which I do have. I never spoke with a live person and there was no option available to do so. I repeated calling and repeating the process to be sure I followed their process correctly. 

After a number of XXXX searches I see that I am not alone : XXXX XXXX XXXX and XXXX XXXX XXXX I am outraged by Experian 's shady practices . 

I also recently received the following unsolicited email and forced upgrade from : XXXX Hi XXXX, Because we are constantly looking for ways to provide our loyal members like you with new and improved features, we will be upgrading you to our best-in-class premium Experian membership. We're doing this so you can have access to more robust tools that empower you to take control of your financial life. We hope you enjoy your new benefits. 

You'll soon receive a whole host of great new features we're sure you'll make the most of : Lock your Experian credit file on demand ; get daily access to additional industry-specific FICO Score versions that are commonly used for mortgages, auto loans and credit cards ; our enhanced FICO Score Simulator, which can help you plot a path to a better credit score ; personalized credit card offers based on your profile ; a new, easy-to-use interface ; revamped on-the-go mobile app access, and more - all on top of the many other benefits you're already enjoying. 

With this next upgrade, your membership price will change to {$19.00} plus applicable sales tax. You should see this reflected during your next billing period. 

You don't need to take any action right now. We'll let you know when you've been upgraded and show you how to make the most out of your new and improved membership when the time comes. 

Sincerely, Your Experian.com Team

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