BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-13
Company: EQUIFAX, INC.
State: AZ
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:
Equifax ; XXXX and XXXX are reporting lates in XX/XX/18 and XX/XX/18 on the XXXX XXXX account number XXXX. ( Please see page 7 of the attached credit report. ) I traded this vehicle in to XXXX XXXX in XX/XX/18. I no longer have this vehicle so it would be impossible for me to have had late payments in XX/XX/XXXX and XX/XX/XXXX when the vehicle was traded-in XX/XX/XXXX. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is my 10th CFPB complaint submitted informing the Credit Reporting Agencies that I am a victim of identity theft and I am submitting this CFPB complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information that some Credit Bureau provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. under the FCRA section 605b, I am requesting that the Credit Bureaus remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX  ( Original Creditor : SXXXX XXXX XXXX  ) XXXX Balance : {$350.00} XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022. Also, the Credit Bureaus have claimed that the disputed items are verified and that the Creditors have verified the authenticity and yet they have failed to send me copies of verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05
Company: First Credit Services Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company XXXX XXXX ( First Credit Service ) is looking for a person unrelated to me. They call and harass on a daily basis. I have repeatedly answered and explained I am not the person they are looking for. I have asked to speak to a manager and they denied to transfer me. I have records of the calls. This is straight harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Premier Lending and Real Estate
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started through one of their loan officers to apply for a refi my primary residence in XX/XX/2019 They gave me an estimate of 2 months to close I have been sending and resending docs requested since XXXX and I havent heard from them since XXXX. 
I dont know if there are any possible docs they didnt ask for I worked with them 2 years ago on a purshase and they closed in 4 months.! 
Had I not known the seller I would have lost my deposit and lost teh. Deal This time I was promised that this will never happen again It was refi to cash out and I needed the money so I had 2 sell other properties to cash out that I didnt want to sell So please be careful that their delay or not performing can have very serious consequences I am not sure if you call This negligence or incompetence but for sure I will never deal with them again

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 2020-12-08
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. I strongly disagree with the information that you hold about me on the file and therefore should immediately be removed or replaced with the accurate details. I am more than happy to provide any supporting documents that you require. I have evidence to support my argument and am prepared to send you this if needed. 
I would like the matter investigated and for all credit bureau agencies to be informed about incorrect information on my account. I would also like my creditors to be informed of any incorrect information on my account. 
I look forward to hearing from you as quickly 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 2022-03-09
Company: Experian Information Solutions Inc.
State: MO
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 have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$60.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$20.00}

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 2020-10-23
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:
To Whom It May Concern, The reason for my dispute is : 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, was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, 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 failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) 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 failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX  XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where is in compliance with OHIO LAW. I also have report this  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 account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX  XXXX XXXX , XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account 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 2017-12-22
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Recently I suffered a leg injury which has prevented me from returning to work and living on fixed XXXX XXXX  payment. I was informed by a co-worker via text messaging of a phone call recrived by my employer which was made by XXXX XXXX XXXX XXXX. Previous to becoming injured I had imformed this agency that the number they had was that of my workplace and that it was against company policy to take non emergency personal calls. At which point I asked this agency stop making phone calls to my place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: DISCOVER BANK
State: MI
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: Overcharged for something you did purchase with the card

Complaint:
I have at least 5 Discover Cards that I did not know I had,,, For the past 6 years discover has been taking money from MY XXXX and XXXX cards and transferring money to these accounts and form my tow Discover cards>>  They have tried to take money out of my bank  also!!!!   Also  they open a XXXX XXXX  charge card in MY name!!!! And  maxed out the card as they did other cards that the open in MY name>>> wHY is this not illegal!!!!
This all started when I tried of collect on the Payment Protection plan that ALL card holder were required to pay for<<< NY FEDERAL COURT SEPT 2012!!! I am a XXXX Veteran!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Experian Information Solutions Inc.
State: TX
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 remains on credit report. This vehicle was totaled. The date of loss was XX/XX/2017. The vehicle was involved in an accident, we were not at fault. The {$12000.00} plus was paid on the vehicle per attorney, XXXX XXXX. Also, there was inaccurate information reporting. The date of last activity is inaccurate, credit bureaus reporting different dates. The date of first delinquency is inaccurate. The account balance is inaccurate. There is no notice of dispute which is a violation. XXXX and debt factoring company, XXXX XXXX XXXX are reporting the same account on my credit report. I am aware if the information is inaccurate with the credit bureaus ; the account must be deleted. The account has been deleted from my spouse 's Experian account. I have attached documents for this account.

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 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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've worked really hard over the past year to clear up my debts and improve my credit scores with XXXX XXXX, and Transunion. Apparently, they don't respond in kind on their end. It's been extremely difficult trying to make contact with them either by phone or online. It is vitally important to can get things in order so that when a lender is checking my credit score it will be accurate. No matter how many times I've tried to contact them about my current financial record about no late payments, no loan debt, no late accounts, no collections, wrong addresses on their end, and exceptional open accounts ... they don't make the proper changes so I can move forward. I find that to be not only unfair, but negligent. Some of the agents prove to be unresponsive, sloppy, slow to respond, and inaccurate. I've had lenders turn me down even for the simplest of things recently. It's like I'm being punished by the 'Credit Bureau 's ' now. I'm proud of how far I've come, and I'd like to ask for your support. I went through a very painful period monetarily, and now that I'm on my feet again I deserve to be treated with dignity and respect by those who have little or no compassion for others. Respectfully yours!

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 2021-07-17
Company: MoneyLion Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I signed up for MoneyLion for a loan, which requires a monthly membership fee of {$9.00} for access to this and other features. They release XXXX for the loan and hold XXXX until you pay off the loan. The loan repayment terms is about {$45.00} every paycheck. 
They also have an XXXX  feature to get quick cash when you need it with no fees ( supposedly XXXX. 
I took out one quick cash advance of {$50.00}. I was debited {$59.00} for repayment. 
This morning, I woke up and see I was charged an additional {$330.00} two times for XXXX XXXX. 
So, in total, I took out {$50.00} in XXXX and was debited, {$720.00} for XXXX XXXX. 
I am not sure where these charges are from as I only took out {$50.00} once, and the terms of my loan didn't include two payments of {$330.00} on top of each other. 
I would like my money back and my account canceled. I did not authorize this. No one informed me of this and it is grossly unfair and abusive being a company that supposedly helps you build credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Re : Shellpoint Mortgage Servicing ( XXXX ) To Whom It May Concern : Due to the Coronavirus pandemic, I have not been able to work. As a result I am facing tremendous financial difficulties and unable to meet my financial obligations. 

I have expressed my financial issues with Shellpoint who is the mortgage servicing for home. To date, Shellpoint has postponed the monthly payment for three months. However, I have been advised that I would have to resume payment after three months and pay a one time payment for the outstanding balance. This is unaffordable and I would not be able to make this payment. Shellpoint has refused to provide me an affordable payment option.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was XXXX  for 24 days and upon being XXXX I learned my wallet had been stolen from my vehicle in the impound lot, my entire checking account which had just had my entire SSI check deposited electronically was all stolen along with my XXXX  pay card from my employer which 2 paychecks were deposited into that account and was all stolen as well, regions Bank owns XXXX  pay card services and have denied both claims, I have filed police reports like they asked me to, I gave them proof of my XXXX  dates and they have denied both claims, twice now, they are responsible for replacement of my funds, I reported it immediately upon learning of the theft, I have now been put out of the home I just rented because I have not received my funds to pay it, my vehicle is still in impound lot at XXXX/ per day fee, I have lost my home, about to lose my vehicle, I lost my job because I had no way to get there and no place to live, bathe, etc. I'm now on the XXXX  with my 2 cats, I have lost everything fighting with the regions Bank trying to recover my stolen funds to no avail,

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 2020-12-08
Company: TRIAD FINANCIAL SERVICES, INC.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I believe that Triad Financial is violating UDAAP by implementing unfair practices to individuals who receive a 1099-MISC for their pay, along with pay stubs from the employer, as opposed to those who receive W-2s.

Even after attempting to speak with the mortgage underwriter as well as a manager in mortgage underwriting, their procedures blatantly revealed a prejudice toward individuals who are self-employed or are independent contractors through a company.

The company does not use your actual income, but the income that they perceive based on whatever lending practices that they have established, which do not treat 1099 employees the same as W-2 employees. The company asked for information to include bank statements, tax returns, verification of other income, and pay stubs ; however, they disregarded and misinterpreted information seemingly maliciously to deny a mortgage application. In fact, twice I was advised by their employees that " there was nothing else they could do, '' which was also extremely unprofessional. 

I have previously applied for a mortgage, was approved, and even just recently paid it in full with the same job that I've been working since 1987. I advised the company of this information and still they gave no further assistance, brushed me to the side, and upheld their unfair lending practices. I would greatly appreciate these practices being reviewed as they are clearly unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: EQUIFAX, INC.
State: TX
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:
FCRA VIOLATONS : REMOVE : XXXX XXXX XXXX XXXX XXXX XXXX ONLY REMOVE THESE INFO : XXXX XXXX XXXX XXXX, TX XXXX Dispute this ACCOUNTS ONLY REMOVE : XXXX  XXXX/XXXX  : XXXX View account details Account status Age of Account Late payments Closed 4 years 4 months 4 days 6 View account details Account status Age of Account Late payments Closed 2 years 11 months 24 days XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 5 months 19 days XXXX XXXX : XXXX XXXX View XXXX, XXXX : XXXX XXXX View account details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX XXXX XXXX XXXX Date assigned XX/XX/XXXX XXXX XXXX XXXX View account details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX XXXX XXXX XXXX  Date assigned XX/XX/XXXX XXXX, XXXX. 
View account details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX XXXX XXXX XXXX Date assigned XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 remains on credit report. This vehicle was totaled. The date of loss was XX/XX/2017. The vehicle was involved in an accident, we were not at fault. The {$12000.00} plus was paid on the vehicle per attorney, XXXX XXXX. Also, there was inaccurate information reporting. The date of last activity is inaccurate, credit bureaus reporting different dates. The date of first delinquency is inaccurate. The account balance is inaccurate. There is no notice of dispute which is a violation. XXXX and debt factoring company, XXXX XXXX XXXX are reporting the same account on my credit report. I am aware if the information is inaccurate with the credit bureaus ; the account must be deleted. The account has been deleted from my spouse 's XXXX account. I have attached documents for this account.

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