BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-11
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: Was not notified of investigation status or results

Complaint:
Dear sir or Madam, I recently received a copy of my credit report, and there has been unauthorized use of my credit report. The credit report agencies are reporting information that is inaccurate on my credit report, as a result of this i find myself paying higher in interest rates. Please into resolving this matter for me, because it has caused me lots of stress, and paying higher in interest rates. 

Thank yo for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: BlueChip Financial
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:
Received a call on X/XX/17 from " Private Caller '' - it was XXXX XXXX with XXXX XXXX XXXX XXXX stating that she was set to issue legal papers to me and my husband unless I call the complaining company. The company name is XXXX XXXX XXXX, XXXX. I called and spoke to someone who stated I have an outstanding debt with a payday loan company ( can not recall the company name ) and if I do n't pay them, they will take me and my husband to court ( they have been calling him too since they state that Texas is a community property state so my debts are his debts ). I asked them not to call me or my husband again - she yelled at me and hung up. I called back to speak to a manager and he proceeded to yell at me as well. I told him not to call and he said he can call whoever he wants to call so I hung up. I have received messages from XXXX XXXX again on X/X/17 and X/X/17.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: AES/PHEAA
State: LA
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:
I contacted fedloans multiple times over the past four years to correct my qualifying payment count. I have spoken with multiple agents who have attached notes to my account but nothing has been corrected. There are a total of 31 payments that are not being counted as they are saying that the payment was made outside of the scheduled date however my payment has always been taken via automatic draft on the XXXX of each month. Also for the payment on XX/XX/2015 my payment was not accepted as qualifying payment although my job with access care began XX/XX/2015.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-05
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To CFPB I woke up to a surprise today from a company called Dynamic Recovery Solutions,  apparently this is a company hired by XXXX XXXX XXXX XXXX , XXXX to attempt to collect a fraudulent debt that I do not owe. It appears to be some one 's old XXXX account that they want to throw off on my. 
Just for the record, I have been an XXXX XXXX XXXX customer for the past 30 years when XXXX XXXX XXXX was just a long distance company, I have been with them ever since. 
I hereby request CFPB to look into this non since fraud and fine Dynamic with a fine totaling {$75000.00} XXXX dollars for their fraudulent activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-22
Company: Open Dealer Exchange, LLC
State: CA
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:
These Inquiries were unauthorized and need to be removed from my credit report immediately.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: Carvana Group, LLC
State: CA
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:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Franklin Mortgage Solutions, LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX of Franklin Mortgage XXXX  - Hard Money You DON'T Want This complaint is against Franklin Mortgage XXXX, XXXX in XXXX, Florida. It is a complaint XXXX XXXX specifically of Franklin Mortgage XXXX. 

In XX/XX/XXXX, my family and I took a hard money loan to buy a house at XXXX XXXX XXXX XXXX. We had to put 30 % down and accept a mortgage interest rate of 10 %. The lender was XXXX Mortgage XXXX in XXXX. They are extremely unethical and known for predatory lending practices with the INTENTION of putting people in foreclosure and taking their homes. 

At the end of XX/XX/XXXX, we were defrauded by Lifelong Criminal, XXXX XXXX from XXXX ( not related to the lender ). XXXX is currently being investigated by the district of XXXX, and looked into by other regulatory agencies as well. You can search XXXX : " XXXX XXXX - Racketeering through XXXX XXXX  and XXXX XXXX. '' By XXXX of XXXX, we started falling behind on our mortgage because of me being unemployed and from being defrauded as mentioned above. I explained that to XXXX XXXX hoping for some reprieve/empathy/modification. He declined. 

Over the next few months during the height of the Coronavirus, XXXX XXXX continued harassing my family and I saying we were the only non-performing loan in his portfolio. That was a blatant life. He had 3 other properties in foreclosure already. 

In the summer of XXXX, my mother had XXXX XXXX. We sold her apartment on XXXX XXXX XXXX and she moved in with me. We then went and paid 90 % of the balance in arrears to show good faith. 

I then again asked Franklin Mortgage XXXX to modify the mortgage as we were paying a 10 % interest rate. They declined again. By XXXX of XXXX, they hit us with a foreclosure proceeding. 

Then in XX/XX/XXXX, Franklin Mortgage XXXX filed a summary judgment with the court and literally tried to steal the house from under us. 

This forced my family and I to fire-sell our home in XXXX of XXXX. After penalties, interest, arrears, legal fees and etc, we walked away with peanuts and can barely afford to move and pay rent for a couple of months at best. 

THE DAMAGE REPORT BELOW : We bought the house for $ XXXX in XXXX of XXXX. We had to put 30 % down and paid $ XXXX in points at closing. So, that's {$97000.00} upfront. 

We sold the house in XXXX of XXXX ( this month ) for $ XXXX. After closing costs, penalties, legal fees, commissions and etc., we walked away with $ XXXX. So, that's a net loss of $ XXXX right there. 

The houses in our area are now selling for $ XXXX and above. We sold it for $ XXXX. That's another $ XXXX out the window. - Total loss is $ XXXX. That wiped us out. 

My family and I are asking the CFPB to investigate Franklin Mortgage XXXX, XXXX XXXX XXXX, Florida. Other complaints about them already exist. 

The best way to fight shady business practices, is to expose them. Feel free to publish this to any of your communities. 

Sincerely, XXXX XXXX - XXXX XXXX XXXX -

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
As an individual consumer I thought it was prudent to put credit freezes in place with each of the 3 credit bureaus immediately following the Equifax data breach. I was attempting to change XXXX XXXX providers for my home since my current agreement is about to expire. It occurred to me my new provider would need to do a credit check and they confirmed they only do that with Equifax. I first went to www.freeze.equifax.com to process a temporary lift on my freeze. I entered all information exactly as specified and received the following notice " We're sorry ... we can not process your online request concerning an Equifax security freeze. '' The Gas company I was working with game me the Equifax number of XXXX which turns out to be a call center in the XXXX. I spoke to a representative there who after taking all of my info ( SSN, address ... etc ) came back on the line and told me they have to interface with the " Specialty Department '' and that I would need to " call back tomorrow '' and that this entire department was not available today ( a Thursday and non-holiday ) at XXXX EDT. I spoke to a Supervisor who then told me the same. I then spoke to the Manager named " XXXX '' who confirmed the entire Specialty Department was the only department that could help me and they were unavailable today. He also confirmed with me several times that he had no Boss/Manager and that he was the head of the operation. Absolutely ridiculous. So as it stands at the moment, I CAN NOT switch XXXX XXXX providers because Equifax is proving once again to be completely incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: AES/PHEAA
State: MO
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:
Occurred in XX/XX/2017. Instructed that in order to participate in XXXX Public Service Loan Forgiveness, I had to consolidate my loans. Discussed with XXXX XXXX whom verified this to be true. Consolidated loan per their recommendation. Discovered that not only was that not true, but also all the payments I had made to that point no longer counted and could not be retrospectively added back on. Discussed at length with XXXX. They reported what the give is only advice and they cant be held liable for the outcomes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: Experian Information Solutions 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 sent a certified USPS mail of my complaint to Experian Credit Bureau on XX/XX/2019. 

I requested proof of validation of debt documents to be submitted to me by both XXXX and XXXX XXXX XXXX.The letter is attached, indicating all the required information that was requested, and that required a response. 

Upon completion of their investigation, I did not receive any of the documents requested, but yet Experian updated my credit report without deleting both accounts, for failing to respond to my request.

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 2019-08-22
Company: Early Warning Services, LLC
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
When ever I open any form of a credit or bank account XXXX early warning system, reports so incorrect and miss use of there power because Not one single person is checking on the fact that I was avictim of the XXXX breach and XXXX XXXX Breach to also be top off by my realtive whom I share the same name as well as DOB, and Social security number being swapped around.thusfore if the credit bureaus and ers were properly doing there job they would have caught my aunt using my name as well as my Social Security Number and other vital information was on the dark web for sell and yet coupled with the knowledge of this the**MASSIVE ISSUES** I'M BEING HEEALD RESPONSEABLE FOR MY IDENTITY BEING OFFERED TO WHOMEVER BECAUSE OF BOTH EQUIFAX AND XXXX XXXX, NOT HAVING A MORE SIGNIFICANT DATA PROTECTION FIRE WALL AND OTHER ADVISIVE SECURITY BASE TO PREVENT THE CONSUMER OF BEING UNWILLING PARTICIPATES IN THERE GAME AND SPOKEN TO AS THOUGH WE WERE THE SUSPECT.ALL CREDIT BUREAUS KNOW THAT I WAS A victim of identity theft due to the fact that my aunt was perpusly willfully and premeditatedly using my identity and commiting fraud against stores and shop owners as well as several bank institutions. My family and the late judge XXXX worked tiresly to prevent me from being a unwilling and unparticpant yet no one has decided to go on with doing what is the right thing to do and correct all the wrongs they have allowed to go on ruining my life and my credit. I'm asking for all corrections and experid be removed and strickened from my reports, public and private within the,30 day time frame alotted by law.if you have any questions please feel free to contact me again via phone @ XXXX Sincerely Mom

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: MoneyLion Inc.
State: MN
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:
I took out a loan from MoneyLion via their app for {$500.00} earlier in the spring of this year ( 2019 ). I made payments as scheduled on time automatically until I selected to pay off the balance in full which was around {$400.00}. I went into the app and selected the account ending in XXXX I wanted the payment pulled from. The account the payments were coming out of was MoneyLion 's checking account administered by XXXX XXXX XXXX. I had my other account linked and all was good in the app but the payment did not come out. I called in and they usually have a 20+ minute hold time minimum, so calling in is gruesome. 
I talked to a rep who assured me they disconnected their account and that it would come out of account ending XXXX and resubmitted balance in full, to which it never came out. Fast forward to XXXX of 2019 I contacted them as payments have not been coming out and they stated that the account is not linked to take them, which I was not sure why. 
I then tried to pay it in full again and they said that their system " had an error '' and it " kept trying to take it out of the account that we allegedly unlinked. '' I verified my routing and account numbers for my XXXX XXXX account and the payment was finally taken out for balance in full. 
NOW, fast forward to XX/XX/XXXX they reported me to all three bureaus that I was 30-59 days late on my payments. This may be true on paper but I tried to pay this off THREE times and their system had a " glitch '' or whatever they called it where the payment would not come out. This caused my credit score to  drop 59 points!!! This is unbelievable. I contacted customer service by emailing " XXXX '' to only be told to dispute it with the CRA 's. I disagree, what they are doing should be illegal, its their mistake their system had issues, not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: PNC Bank N.A.
State: NJ
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:
On XX/XX/2019 I purchased furniture from XXXX XXXX XXXX XXXX in XXXX, NJ using my PNC Bank Credit Card. When they came to deliver the furniture it was used furniture, so I declined the delivery and did not take possession of the goods. I called and visited the store to try to work things out with them, but they where not helpful. I contacted my PNC Bank Credit Card and advised them of the problem and they said that they would put a hold on the transaction and investigate the matter. In the mean time, XXXX XXXX XXXX XXXX went out of business. PNC Bank Credit Card declined giving me a credit claiming that their investigation revealed that there was no billing error. I strongly disagreed and sent them another letter with another copy of the sales receipt as proof that I did not purchase used or " Floor Sample '' furniture. PNC Bank Credit Card has not replied to my second letter requesting that they reconsider or advising me of their appeals process or supplying me with the documentation that they used to deny my claim/credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
An address that does not belong to me is reporting to my credit report. Please remove this address from my report as it is fraudulent. I have attached proof of ID and address.

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 2020-12-03
Company: CITIBANK, N.A.
State: MS
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
From the Citibank website I initiated a transfer of {$8000.00} from XXXX to Citibank on XX/XX/XXXX. The transaction failed due to an address discrepancy. I have corrected the address with Citibank, and they and XXXX have confirmed the addresses match, but my funds are still frozen in a " pending '' status at Citibank. I have contacted Citibank XXXX times in the past week, and I have been given multiple different stories by various CSRs. 
XX/XX/XXXX ( 1 ) - CSR stated XXXX must cancel the transaction XX/XX/XXXX ( 2 ) - CSR stated funds will be automatically returned on XX/XX/XXXX XXXX ( 1 ) - CSR stated funds can not be returned because they are held by a third party XXXX ( 2 ) - CSR could not assist, but will " raise a complaint '' to a " higher department ''. Refused to connect me to a manager or anyone in the " higher department '' XXXX ( 3 ) - CSR stated funds will be automatically returned on XX/XX/XXXX. CSR could not answer why it was XXXX and funds are still not available. 
XXXX ( 1 ) - CSR disconnected after XXXX minutes due to it was time to clock out XXXX ( 2 ) - CSR transferred me to the Fraud department who stated funds were released XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
On XX/XX/2020, Governor XXXX of California shut down the state and ALL NON-ESSENTIAL workers were order to stay home until XX/XX/XXXX due to COVID-19 pandemic. I am a XXXX XXXX and we are consider non-essential. My building where I lease a salon suite , closed the building until stay home orders are lifted. All my wages depends solely on clientele. Once I lost wages and was unable to receive unemployment, I was unable to pay my Macy 's Store credit card due XX/XX/2020 in the amount of {$60.00}. On XX/XX/XXXX, I called Macy 's to enroll me in the Relief program for customers whose jobs have ben affected by the COVID-19 pandemic and if my late payment was reported, if it was could he revered it. He said he couldn't see if it was on reported and that I have would to look on my credit report. Today, I see that Macys has reported " late payment '' on my credit report, which is utterly disgusting to do during a pandemic when we are all struggling to survive, keep our family safe and are forced to stay home relying on a tumultuous government. I am on public  assistance now and EDD just allowed sole proprietors to apply for benefits in XX/XX/XXXX. I would like this inaccurate " late payment '' removed. 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 2021-02-22
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: Account information incorrect

Complaint:
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$510.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2020-05-13
Company: Experian Information Solutions Inc.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I disputed an erroneous collection item for XXXX XXXX XXXX on my Experian report. I received a notification the same day that the item had been deleted from my report. I next received an alert within a few minutes that my Experian Credit Score had decreased by XXXX points. I called Experian at XXXX ( XXXX ) XXXX and spoke with representative XXXX at XXXX to ask why my score had decreased. She proceeded to tell me that a score could drop for various factors. I advised her that I was aware of that but why did my score drop if they had no new information reported to result in a XXXX pt decrease. He toldme they did not have any new information that was reported today. She then told me if I wanted further information I would have to consult with a financial advisor. I feel as though I was penalized for disputing the erroneous collection item on my report and being that Experian is the company that decreased my score they should be able to explain why. I should not have to pay a financial advisor to tell me why a company that has all control over my credit score can just drop it at will for no valid reason.

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