BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-07
Company: ProCollect, Inc.
State: DE
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:
My account was paid in full. I have been unable to get this removed or updated on my credit report. I was told that it would be removed. That has yet to happen and its been over a month. They also have told the credit bureau that the account is reported accurately and thats not the case. I spoke with XXXX XXXX and paid in full on XX/XX/18. As of today theres still a balance showing.

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 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2023-12-04
Company: Albert Corporation
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I will attach screen shots from the Albert company including all paperwork submitted and all contact I have had with the company. Transactions are : Dates will be in attached paperwork that was sent to Albert. 
{$400.00} XXXX XXXX XXXX {$320.00} and {$140.00} XXXX XXXX XXXX XXXX {$400.00} XXXXXXXX XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX  {$210.00} and {$320.00} XXXX XXXX XXXX XXXX  These companys I can not find anything about, the transactions are fraud. I want my money back. ASAP

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Bread Financial Holdings, Inc.
State: MI
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:
XXXX 's client XXXX XXXX is a victim of ID theft ; her information was used without her consent to try and establish credit accounts. While the applications submitted were not successful the fraudulent related inquiries were posted to her credit reports. Among this are XXXX XXXX XXXX XXXX XXXX ), where a previous CFBP escalation has already been submitted ( see ref # XXXX ) and Comenity Bank ( XXXX XXXX ). Attempts have been made with these creditors to have these items removed however the creditors have no replied to my client with the results of the dispute as is their obligation under federal law ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-06
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:
I went to apply for a home loan and my agent informed me of collection accounts which I was unaware of. After looking over my credit report I noticed these charges did not belong to me nor did I recognize any of them. Someone has used my information illegally to obtain credit such as a rental property from XXXX and credit cards from XXXX. I also see medical collections from XXXX  and XXXX when I have insurance and haven't needed any medical care in over 7 years. Please I need your assistance in getting these accounts removed to proceed with home buying process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
there are multiple items that need to be investigated and deleted they are not correct. There is a bankruptcy listing and 2 accounts that say I was late that are wrong and 2 inquiries I did not authorize. I mailed letters top the credit agencies but got no response at all 2 different times

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 2021-09-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I was placed on forbearance with Select Portfolio Servicing , Inc due to the XXXX pandemic. My forbearance period ended on XX/XX/XXXX. I applied for additional assistance in which I was denied on XX/XX/XXXX because the finance company Select Portfolio Servicing , Inc said I didnt qualify. I was and is currently on unemployment and I qualified for the additional forbearance extension. On XX/XX/XXXX I received a letter in the mail that Select Portfolio Servicing , Inc wanted me to participate in a modification in which I explained I couldnt afford to feed my family, pay light bill, and pay the high modification mortgage they wanted me to pay. They threaten to foreclose my home if I didnt pay. On XX/XX/XXXX I launched an investigation with Select Portfolio Servicing , Inc with their ombudsman department and they did not resolve my account. I had to borrow money to pay XXXX and XX/XX/XXXX modification payments. I called on XX/XX/XXXX regarding the forbearance extension which is on XXXX XXXX website and Consumer Finance.gov which state the extensions is 18 months if the mortgage account was in forbearance on XX/XX/XXXX. I was in forbearance at that time frame. Every conversation is recorded please request conversation records from XXXX XXXX XXXX. They have lied and stole money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: Nelnet, Inc.
State: AZ
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:
This is a complaint from XXXX XXXX against the US Department of Education and Nelnet for their failure to remove duplicate items from the credit report. As of date, one student loan dept is being reported as two line items on XXXX XXXX 's credit report -- '' Department of Ed/Nelnet '' and " US Department of Education. '' Despite multiple attempts to request removal, both from XXXX directly and the bureaus, both parties are still reporting the same debt, which is significantly impacting his credit score and interest rate on his vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: ACOPIA CAPITAL GROUP
State: MS
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Delays in the application process

Complaint:
Basically, I first of all contacted XXXX XXXX on XX/XX/2023 in regards to a refinance! After several phone calls I finally reached him! After applying I was told by XXXX it was taking more time than expected so I waited a week! Then I contacted XXXX again he instructed me that I had a XXXX score and I needed a higher score! He said if I paid off credit card we could do a rescore and it would push my score up to where it need to be! I paid the credit card off in full! He told me I should have an answer within 24 hours! After several attempts to reach XXXX he told me its taking more time! So I contacted the regional manager and asked if I could get someone else to help me out! Finally I was forwarded to a new person who was XXXX XXXX! So now XXXX instructed me that there were other things showing on my simulator report from XXXX XX/XX/XXXX that need to be paid! I asked why is it XX/XX/XXXX over XXXX weeks later and I had no knowledge! XXXX told me he didnt wan na talk about past stuff lets just move forward! He said can u pay the other stuff so I can run a rescore for u! I said I was told XXXX weeks ago that it was ran by XXXX so obviously I had to start over! So after realizing that XXXX had never done anything I got frustrated and told them I rather just go to another company bc I was not properly informed! Ive been waiting I dont like the treatment! And plus XXXX had been deceptive!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call from Sequium Asset Solutions on XX/XX/22. They immediately asked me to verify my name and address. I replied saying I am more comfortable with her telling me what they have on file and I will confirm if it is correct. The lady ended the call. 

I called back and told the person who answered what happened and she asked for my name which I gave her. She gave me their website, www.sequium.com and a reference # so that I could look up my account. I kept her on the phone so that she could walk me through the screens. I put in the reference number and then it prompted me to enter the last 4 of my SSN which I entered, to no avail. I entered the last 4 of my SSN twice and got an error message saying it was invalid. The lady on the phone instructed me to enter 5900 which worked. I told her those number are not the last four of my SSN, but she said that is what they have on file. Also the address they have on file for me is from 7 years ago and she wanted me to give her my current address, which I refused. I then asked her who the original debtor is and she said it should show the name of the hospital on the screen next to 'Original Creditor ' but that information is not present. I told her their claim of my owing {$430.00} to an unknown party doesn't seem legit and that I plan to report them to the FTC. I then ended the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I signed up for automatic payments at the inception of my loan. Records show I enrolled XX/XX/XXXX. In XXXX, an auto payment did not process, and I had a late payment that I manually processed. Each month, I go to the servicer 's website a couple days before the XXXX to see that it's set to take the automatic payment. This month, I went to the website on XX/XX/XXXX, and it said the next payment was scheduled for XXXX, and the previous payment was XXXX. There was no record of a payment that would process or that was in process for XXXX. On XXXX, I checked my bank account, and no payment was processing for my mortgage. The servicer 's site still did not show any payment scheduled or processing for XXXX. I made the payment manually on XXXX so my payment would be on time. Now on XX/XX/XXXX, an automatic payment is processing in my bank account, and the servicer 's site shows two payments received on XXXX. To compound the issue, both payments on XXXX are being applied to principle, interest and impounds ; however, the terms of the Deed of Trust require the additional payment be applied to principle due since interest and impounds were already paid with the first payment. When I contacted the servicer, they said they wouldn't allocate the payment differently. They invited me to send documentation to a fax number to request payment reimbursement, and indicated it will take XXXX weeks before I have my money back, after I send in the information. I tried to unenroll in the voluntary automatic payments, and there is no option to stop the automatic payments from the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Deinde Online Services, LLC
State: KY
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Integra credit charges over a 100 % interest rate. To date I have paid XXXX and still owe of XXXX. I am unable to continue making these payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
I am writing to bring to your attention a matter concerning my eligibility for student loan forgiveness. Earlier this year, I received a letter indicating approval for loan forgiveness. However, when the forgiveness process commenced, I was inadvertently skipped, and my loans remain outstanding. 
I firmly believe that I meet the qualifications outlined in President Biden 's student loan forgiveness plan. I kindly request a thorough review of my case to determine my eligibility for partial or complete forgiveness of my student loans. 
I appreciate your prompt attention to this matter and look forward to a fair assessment of my eligibility for student loan forgiveness. Your assistance in resolving this issue will be invaluable in alleviating my financial burden. 
Thank you for your time and consideration. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: EQUIFAX, INC.
State: DC
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me very much so. I am unable to move forward with life so that I may provide for my wife and children.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT 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 2023-01-16
Company: Experian Information Solutions Inc.
State: UT
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 2018-10-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
i received numerous calls today from a " XXXX XXXX collection agency '' today XX/XX/XXXX, several calls throughout the day They stated that I owe an outstanding debt from XXXX or XXXX. That I had made payments from XXXX through XXXX every month faithfully then this debt supposedly went on my credit report in XXXX - XXXX because I had stopped paying the alleged debt. THEN the girl I spoke to began threatening me with wage garnishment and vehicle seizures if I didn't pay this debt. She said I had until XXXX XXXX tonight to make arrangements. Either half of the debt which was {$1500.00} or $ XXXX monthly until it is paid in full. I had a chase account but it was closed in XXXX IN GOOD STANDING. This supposed debt has never been on my credit report. My concern is they have all my personal information and even told me which vehicles I drive and that they would seize them because of this debt. They also called my wife and threatened to garnish my wages and/or seize my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
back in XX/XX/2019 I been paying all my utilities, phone, internet, water through XXXX XXXX XXXX and was using experian boost. It once had my score to XXXX now being that it has all been erased it went down to XXXX stating bank changed security. I called my bank and being that experian boost is not one of their features that can not assist. I called experian and they claim they can not fix error. Not only that experian keep putting incorrect information in my report. I filed complaint 3 times stating identity fraud and it is still showing on my report. I need it removed.

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 2023-12-06
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX XX/XX/XXXX  I was scammed out of {$800.00} in total through the Zelle app. I was attempting to sell a desktop computer through XXXX XXXX. A scammer posing as a middle-aged lady expressed interest in the computer, and led me to believe that I had to pay refundable fees so that I could upgrade to a 'business account ' in order to accept the original payment of {$1000.00}. I received several phishing emails from XXXX ' promising that my money would be returned. I am out {$800.00} dollars and have been denied help by both my bank ( XXXX ) and Zelle. I am XXXX and on SSI, and {$800.00} is more than I receive in a month. I believe I have been taken advantage of and am incredulous at the lack of support from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: DE
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:
Unauthorized inquiries that should be removed. XXXX XXXX services - XXXX XXXX XXXX, XXXX - XXXX. Additionally, there is personal information being reported that I did not authorize : XXXX  XXXX Bankruptcy - XXXX - reference number XXXX - XXXX XXXX XXXX DE XXXX. Per 15 U.S. Code 1681 b - permissible purposes of consumer reports, this should be removed.

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 2020-12-09
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
back in XX/XX/2019 I been paying all my utilities, phone, internet, water through XXXX XXXX XXXX and was using experian boost. It once had my score to XXXX now being that it has all been erased it went down to XXXX stating bank changed security. I called my bank and being that experian boost is not XXXX of their features that can not assist. I called experian and they claim they can not fix error. Not only that experian keep putting incorrect information in my report. I filed complaint 3 times stating identity fraud and it is still showing on my report. I need it removed.

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 2021-05-21
Company: U.S. BANCORP
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Unemployment claims were deposited into my account and, my card was deactivated and the funds that were deposited are not in my account once they made my card active ,3 deposits or more are not accounted for, I have not received any yet customer service was notified by unknown in XXXX and IA, also I made a complaint. My funds were over XXXX  dollars and my bills are behind, bills are overdue and some in debt collections. Please resolve this issue so I can return to work eventually. Thank you 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