BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-12
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
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: Their investigation did not fix an error on your report

Complaint:
The complaint I previously filed and which was recently deemed " closed '' [ reference XXXX ] was evidently addressed to the wrong loan processor. The complaint was sent to XXXX XXXX XXXX. Based on the information provided in the responses from XXXX XXXX XXXX XXXX XXXX XXXX   and from XXXX XXXX XXXX, the complaint should have sent to XXXX XXXX XXXX . 
Here is info copied from the responses sent : " If you have any questions for ... XXXX XXXX ... about your Home Equity Line of Credit ... please contact them [ the prior servicer ] using the information below : XXXX XXXX  Customer Service Department ( XXXX ) XXXX XXXX Consumer Services XXXX, PA 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 2020-04-23
Company: Oliver Adjustment Co.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't know who these people are. I've never had a contract with them. I've never signed anything with them. I have not done business with them. I've never bought anything from them. They are saying I owe {$400.00} XX/XX/2019 I DO NOT!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: HCFS Healthcare Financial Services of TeamHealth
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: Account status incorrect

Complaint:
This has been an ongoing issue with ARs for several years the last several months I have reported this company for incorrectly reporting to my credit report that this debt is outstanding and still owed ARS stated that they would look into it and determine my coverage of XXXX at the time if they received my XXXX number they received my XXXX number for nearly 3 months now and have still made no action I have followed every step and request that they have provided in their response to my previous complaints ARS will not respond to my emails they will not respond to my calls with regarding to taking care of this inaccuracy on my credit report ARS will not take action they have every information that they need from me however will not follow up will not take any action on this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Mr. Cooper Group Inc.
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Mr. Cooper, formerly nation star. On XX/XX/2021 i made a partial payment on their phone app for {$680.00}. This was selected as a partial payment for XXXX. They applied it as additional principle because it was 2 days early even though it didn't come out of my account until XX/XX/2021. I made the additional partial payment of {$680.00} on XXXX XXXX, 2021. I found out XXXX XXXX 2021 that this happened and had them correct it. In the process of having them fix this, I received a letter for a va streamlined modification dated XXXX XXXX reducing my payment to {$1100.00} for XXXX. Through XXXX. They fixed my XXXX payment and I made my full XXXX Payment, XX/XX/2021 within the allotted time, of {$1300.00}. On XXXX. XXXX 2021, I went to make my streamlined va modification payment on their app. Of {$1100.00}. I received a notification from my bank the next business day that my account was severely over withdrawn. Mr. Cooper not only had the pending amount of {$1100.00} that i authorized but also another unauthorized amount of {$1300.00}. I contacted Mr. Cooper that day XXXX. XXXX 2021, they told me they could only refund me and not stop the 2nd payment. I called my bank and put a stop payment on the unauthorized amount of {$1300.00} costing me a {$35.00} fee but preventing many other overdraft fees. I've contacted Mr. Cooper several times since then. They're saying I owe an additional {$200.00} for XXXX 's payment and a {$30.00} fee for stopping the unauthorized payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: Consumer Portfolio Services, Inc.
State: TX
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:
I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 explanation
Consumer complaint received 2023-01-04
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, I've been trying to get my XXXX  cancelled and I have reached XXXX  % of the original loan amount but my Loan Servicer, Specialized Loan Servicing is refusing to cancel PMI saying this " To have the PMI removed the account needs to be at least 2 years from the origination date. Once the account is between XXXX and XXXX  years from orientation the loan to value ratio will need to be XXXX  % or less. The account hasnt reached the 2 year mark yet at it was originated on XX/XX/22. Once it has been 2 years you can submit a request to have the account reviewed and if the XXXX is not low enough you XXXX sign authorization for a property valuation to be completed. Thank you XXXX XXXX ID XXXX '' I did not see a clause that I need to wait for 2 years to have my PMI cancelled even though I have already reached XXXX XXXX of the original loan amount 's principal. 

Can you please help me out? 

Thanks, 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 2021-10-28
Company: Netspend Corporation
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have tried on multiple occasions to close my XXXX XXXX XXXX account. I was told that I would receive a refund check within 10 days over 2 weeks ago. I have not gotten a refund yet and so I called them back today. I have spent almost 2 hours trying to get my money refunded back to be and the account closed. They are telling me that I need to sign a letter of indemnification with them or they can't give me my money back. I am NOT indemnifying a company that has already lied to me once. And why should I have to indemnify a company to have my account closed and my balance refunded? If this isn't criminal behavior, it should be!

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 2019-11-13
Company: NAVY FEDERAL CREDIT UNION
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 checked my credit and saw an account for navy federal for {$9900.00}. I have no knowledge of this account and it DOES NOT belong to me. I am not an authorized user on any accounts pertaining to XXXX XXXX. I did not co-sign for any loans, credit cards, or anything else. I do not have any products with navy federal except a checking and savings account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: EQUIFAX, INC.
State: GA
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:
I pulled my credit report back in XXXX and saw inquires that where not mine I sent out Certified letters to creditor and credit bureaus. I also talked to a manager with Equifax told me to fax my personal information and all inquiries but still nothing has been done. The actions kept happening on and off in XXXX no accounts where created but attempts where made. so I made up my mind to call the bureaus to handle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE 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:
There are UNAUTHORIZED and FRAUDULENT inquiries on my credit report ( SERVICE XXXX  XX/XX/2023 XXXX BANK XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX OF XXXX XX/XX/2023 ). I am not the one who initiated these inquiries. I am submitting a complaint regarding these inquiries and for assistance to REMOVE them from my credit report 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 non-monetary relief
Consumer complaint received 2018-06-26
Company: Commonwealth Financial Systems, Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Pulled credit report and found I owed a debt for XXXX XXXX XXXX XXXX XXXX that was being serviced by a debt collector, Commonwealth Financial XXXX. I called to request a debt validation. They refused to send me the validation because they stated it was already sent once. They could not provide contact information for original debt due to HIPPA. I should be allowed validation on a debt that is listed on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: EQUIFAX, INC.
State: MI
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
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: Their investigation did not fix an error on your report

Complaint:
I recently submitted a request for an investigation of the disputed account, Since I believed XXXX Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the listed account from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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: Old information reappears or never goes away

Complaint:
COMPLAINT ABOUT : XXXX XXXX XXXX, XXXX EQUIFAX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XXXX I have tried multiple times to address my credit score and my credit report with Equifax customer service and CEO, XXXX XXXX. Things got better but then declined again. This time my score went up XXXX points and then with no alert to me went down XXXX points ... the report is attached with this. I am SO tired of dealing with XXXX XXXX 's stupidity! I wouldn't mind but I have addressed these issues multiple times. Even sometnhing as simple as changing my address was done incorrectly several times, and I wrote and sent it correctly several times!! 

There are also statements, that my oldest credit account is too new, which is incorrect and which I already addressed to no avail. 

NO ONE should have to go through the effort I have gone through ... and as well when directly addressing a CEO. 

I need credit statements corrected as detailed in my letters, and my credit score raised again XXXX points

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I never participated in any legal contract in regards to this debt. These accounts are being furnished without any legal agreement/contract. This debt collector is being abusive, deceptive, and unfair in its business dealings with me. This is prohibited by FDCPA. Under FDCPA, I am entitled to {$1000.00} for single one of these violations. Additionally, they didn't follow the correct 5 step validation procedure which again is unfair practices.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: LoanCare, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2009, a mortgage with XXXX was discharged in a Chapter XXXX bankruptcy. The debt was never reaffirmed. I have documentation from XXXX stating exactly that. The loan has been sold multiple times. The most recent purchaser has reinstated the debt and reported with the credit Bureaus. The debt was never reaffirmed with any owner of the mortgage. This company is in violation of federal laws pertaining to bankruptcy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
My PayPal account ( XXXX ) was limited for quite sometime. On XX/XX/2023 I received a mail stating my funds are eligible for withdrawal. Upon trying to make withdrawal I get a message stating that " Sorry there's a problem ''. I'll appreciate if you let PayPal know, that they should let me withdraw my funds after holding it for 180 days. Because I think there is still a restriction placed on my account preventing withdrawals.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: WY
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 already submitted this and it is not correct so I am submitted it again with more information at the end. I refinanced my home from Wyoming XXXX XXXX XXXX to XXXX XXXXXXXX XXXX XXXX paid a wire transfer on XX/XX/XXXX and Wyoming XXXX XXXX XXXX had a XXXX balance on my account as of the second. Experian was showing my Wyoming XXXX XXXX XXXX account over 30 days late. I submitted a dispute and showed a statement of the XXXX balance. Instead of updating to show a XXXX balance which they said they would do since I had supporting documents they deleted the account from my credit report. I have been a homeowner for five years with no negative reports on that account and I did not want it removed. Experian told me they received a notice from Wyoming XXXX XXXX XXXX to delete the account and that I would need a reinsertion letter to add it back onto my credit report. I called Wyoming XXXX XXXX XXXX and they said they would never asked for an account to be deleted from a persons credit report. Experian could not tell me how they got the information showing that the account needed to be deleted and will not help me any further to get it added back onto my report. I already submitted a complaint and they marked it as resolved that the account is reporting. There should be two Wyoming XXXXXXXX XXXX XXXX account showing. The one that they say is on my report is my second mortgage of only {$4300.00}. They took my first mortgage off my report and that is what I need reporting

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 2019-03-28
Company: Navient Solutions, LLC.
State: CA
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'm having a problem with the " Balance '' amount shown on my statements. This is for 2 loans : XXXX and XXXX. The repayment process started on or about XX/XX/XXXX. At that time, my " Balance '' was showing that I owed {$38000.00}. I had a forbearance approved on XX/XX/XXXX when Navient took over the loan. Payments resumed on XX/XX/XXXX. My " Balance '' was {$41000.00}. I've made timely and proper payments every month since then. Payments ranged from {$460.00} to a present amount of {$270.00}. My most recent statement of XX/XX/XXXX shows a " Balance '' of {$41000.00}. 

Why, after almost 6 years and payments averaging about {$300.00} a month, hasn't the " Balance '' decreased? 70 months at {$300.00} a month is {$21000.00}. The " balance '' should have decreased considerably. Instead, it increased from {$38000.00} to {$41000.00}. 

Also, my last credit score went down as a result of this loan increasing. I talked to Navient on or about XX/XX/XXXX and " XXXX '' said that the balance never increases and the credit reporting agency is unreliable

Company response to consumer: Closed with explanation