BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: AL
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2023-01-25
Company: First Credit Services Inc.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
They keep calling me after I told the person calling to stop and they said no you owe this debt and we want our money it got so bad I had to change my cell phone number

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: PHH Mortgage Services Corporation
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a mortgage assistance application to XXXX, at teh suggestion of XXXX on or near XX/XX/2019. 

I completed all items need for a modification on or near XX/XX/2019. 

I objected to the loan transfer to PHH Mortgage on XX/XX/2019 until XXXX had processed my loan modification request. 

I made multiple inquiries to XXXX to validate that the mortgage assistance application was complete between XX/XX/XXXX-XX/XX/2019. XXXX didn't process the request by law and neither did it transfer the request to PHH.

I got a letter from PHH on XX/XX/2019 indicating " Early Intervention '' when I had already submitted a application for relief. 

I need XXXX to act on my request as provided and that it was complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX, Experian, and XXXX are still reporting my auto loan with XXXX XXXX account number XXXX as open even though i paid in full on XX/XX/21 its already been almost 30 days and there still reporting this account as open it needs to be removed immediately from my credit file since I paid in full satisfactory

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 2021-09-12
Company: EQUIFAX, INC.
State: GA
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:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: Kirkland Asset Management LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They called me repeatedly on my cell phone, left a message saying a potential claim being filed against me regarding a transaction that I previously authorized and if I want any outcome to be known to call XXXX and ask to be connected to the Pre Legal Department and reference XXXX. They proceeded to call a family member and demand my location. They keep calling my house, my place of employment and I do not know who they are. I want to be left alone.

Company response to consumer: Untimely response
Consumer complaint received 2019-11-05
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim of identity theft and have spent COUNTLESS HOURS trying to repair my credit from fraudulent collections. I have submitted my proof of identity theft successfully to the 2 other credit bureaus, but EXPERIAN refuses to collect my proof!!! They said I have 2 options : ( 1 ) upload online -- BUT THEIR UPLOAD SERVICE DOES NOT WORK ( I've tried so many times, different browsers, file formats, size compression, etc. ), or ( 2 ) mail physically -- NOT SECURE, and WHEN I TRIED TO MAIL IN REPEATEDLY, THEY SIMPLY CLAIM THEY HAVEN'T RECEIVED ANYTHING. And they won't provide an alternative method!!! All the proof is right here in my files, but they won't provide a working way to get it to them so they can resolve these fraud charges!!!!!

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 2019-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2019-11-05
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:
On XX/XX/2019 Trans Union drastically dropped my credit score by more than 50 points. As I understand decreases in credit scores due to late payments and opening new accounts I feel that a 50+ point drop is unfair. I do not pay my creditors late and I have worked hard to maintain my scores. Please help me. All I did was buy and finance some new flooring

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 2019-11-05
Company: Experian Information Solutions Inc.
State: MO
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 letter to the credit bureaus regarding some inquiries on my credit report that I did not request. They failed to contact me or do an investigation regarding the inquires. I asked them to remove the inquiries due to fraud and they failed to follow back up. Inquiries that I am speaking of are as follows : XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX  XXXX : Inquiry from XX/XX/XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX  : Inquiry from XX/XX/XXXXXXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX   : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX : Inquiry from XX/XX/XXXX XXXX  XXXX : Inquiry from XX/XX/XXXX XXXX  XXXX : Inquiry from XX/XX/XXXX XXXX  XXXX : Inquiry from XX/XX/XXXX XXXX  : Inquiry from XX/XX/XXXXXXXX  : Inquiry from 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 non-monetary relief
Consumer complaint received 2019-04-24
Company: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
This complain is to Cash app formerly known as Square cash. On XX/XX/XXXX I went to the XXXX XXXX XXXX XXXX Michigan tried to get back my money from Cash app of {$300.00} because that time she was no longer had cash app. I made a claim through my branch and they recommended to call cash app but I ended up on person who was acting cash app representative on phone instead of debited back my money he did transaction of {$500.00}, {$750.00}, {$500.00}, {$500.00}, {$500.00}, {$2000.00}, {$500.00}, and {$250.00} to XXXX XXXX. Immediately I called XXXX XXXX same day to tell them those were invalid transaction and its is fraud so do not release those transaction, but the bank still released those transaction on XX/XX/XXXX. I made another claim to the bank and I was be able to get those transaction back. On XX/XX/XXXX I received a letter from the bank stated the are going to debited back those transactions because Cash app said were valid transactions which was never been valid transactions. I made another claim but still bank keep denying because Cash app keep telling them those were valid transaction. I did report this matter to XXXX XXXX Michigan and they are working on it. I will submit all documents if required Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: EQUIFAX, INC.
State: MN
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/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Nelnet, Inc.
State: MI
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:
Payments made to Nelnet are not being processed nor is the amount owed being updated to reflect the payment. Their own policy states this will be completed within 48 hours. Its been over a week, and the payment is processing. Cant get anyone to answer a call, Ive been on hold for almost 3 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: Navient Solutions, LLC.
State: WA
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:
In XX/XX/XXXX, I attended XXXX University after my mother signed up for my Student Loans. We learned of XXXX University through T.V ads that targeted low income XXXX and minority communities with false information about degree plans and rates of success with jobs. 

At this time in XX/XX/XXXX, I still remain in debt due to Student Loans provided to XXXX University, along with debt on my Student Account at XXXX University.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Bass & Associates, P.C., Attorneys at Law
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I tried to make a payment arrangement with Bass and Associates to try to resolve my account. I was denied the hearing because if two pieces of documentation. Now my wages are being garnished from two different student loan one is XXXX that is already garnishing 15 % of my wages now Bass and Associates would not make reasonable accommodations on repaying back the student loan. I asked them for options one option was to pay XXXX in 90 days to close the account. I asked them what are the other options they stated i would have to pay XXXX a month current make XXXX a hour with a wife with a XXXX that work part time and a XXXX year old child. I thought by getting and completing my degree that life would be easier but it just made it worse. I sent them all of my paper work that they requested which outline all my bills and submitted the information and was still denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-18
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft because someone unknown has been using my name and information and opened accounts. I reported to the FTC and to the creditors but the creditors do not remove the accounts that are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Self Financial 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: Account status incorrect

Complaint:
I recently submitted an application for a credit card with XXXX, which was unfortunately declined due to their adherence to the XX/XX/24 rule. According to this rule, I am purported to have opened five credit card accounts within the past five months. This, however, is not an accurate representation of my activities. 

XXXX communicated to me that my XXXX Credit Report indicated the presence of a credit card account with Self.inc. While it is accurate that I maintain a Self.inc Credit Builder account, I have never been consulted about or consented to the opening of a Self.inc credit card associated with this account. 

Interestingly, the Self.inc website highlights the availability of a credit card that does not necessitate a hard credit inquiry, stating : " No hard pull on your credit Your card is secured with the money youve saved with your Credit Builder Account Designed for building credit with responsible use '' It is my understanding that this credit card may already exist within their system and has been subsequently reported to the credit bureaus. I would like to stress that I have no interest in maintaining this card and wish to have it cancelled and its records expunged from the credit bureaus. 

Perusal of their FAQ provides the following information : " Cancel your Self XXXX Credit Card account by calling us at XXXX. Please note that once your card is closed, we will not be able to reopen that card account, though you may be able to open a new one in the future. '' In an attempt to rectify this situation, I have reached out to them five times via their provided contact number and sent multiple emails to XXXX. Regrettably, each time I have called, I have been informed that there is no available representative to assist me, and my emails have not garnered a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: EQUIFAX, 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:
Ive reached to Equifax via letter to advise of these inaccuracies reporting on my credit report and asked for proof and validation of the items in which Equifax failed to provide me with the proper documentation. I sent that same letter to XXXX  and in which they werent able to provide proof which caused them to remove these items from my credit report. This negative thing is causing such great stress in my life which is causing me to not be able to move forward in my career and purchase new things such as home because of these inaccuracies. I am demanding for these items to be removed immediately otherwise I will seek legal action against the reporting agency, Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Synovus Bank
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I open secure credit account with first progress bank, was under the impression it was a good place to start rebuilding credit, just to find out this companies has a bad reputation with their customer in the past taking advantage, using them for their own personal gain, they have giving me a fax number twice to get my refund extradite faster since i closed down my account XX/XX/2023 now still refusing to pay me back my money the owe me, this is where they wanted me to fax XXXX XXXX XXXX XXXX XXXX XXXX XXXX fax # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
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 belongs to someone else

Complaint:
Fraudulent account and inquiry with XXXX XXXX amount XXXX  opened on 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 2019-11-05
Company: Early Warning Services, LLC
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 is missing that should be on the report

Complaint:
Early warning systems is reporting a fraudulent bank account that looks like the bank is trying to update my information to, and it says Account type is unknown but that it has a combined loss and fee of XXXX Which again is fraudulent, I never opened this account nor do I have an email address they have listed. 

Early Warning again providing fraudulent information since I am a victim of identity theft and they refuse to block the fraudulent account # XXXX which says Contribution reason - Account Abuse. I have never opened this account, there are no XXXX  locations near me the email address they have listed for this account is also fraudulent. It is illegal to put my address on a fraudulent account when I never received anything from this instituion. This account is fraudulent, and as a result of identity theft. This account should be blocked from my file. 

Again Contribution Reference # is XXXX Early warning refuses to do anything about it and continue to report fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation