BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-21
Company: Resurgent Capital Services L.P.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
hey im having issues with my credit due to inaccurate information appearing on my credit report from lvnv funding llc XXXX XXXX  XXXX XXXX sc XXXX I lost my job due to covid 19 and this on top of this is stopping my progress in life and i would like it removed from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against COMMONWEALTH. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Experian Information Solutions 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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX XXXX {$27000.00} XXXX XXXX  XXXX {$240.00} XXXX  XXXX {$68.00} XXXX  XXXX {$110.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1100.00} US DEP ED XXXX {$2600.00} XXXX XXXX XXXX {$3500.00}

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 2021-05-21
Company: Experian Information Solutions Inc.
State: TX
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:
I reviewed a current copy of my credit report and I show inaccruate payment information to home loan account XXXX account number XXXX. This account has always been paid on time as agreed and never late. I have contacted creditor and credit bureaus to advised that no such late payments have been made. I am having trouble with send in dispute to have this updated for review.

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 2018-03-03
Company: Premier Student Loan Center
State: KS
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I keep getting calls from individuals and no name companies who keep wanting to assist me in paying off my student loans. The last number that called me was XXXX. 
This is the message they left This is _____________ I missed you your loan service __ actually fell out of compliance by not telling you about the forgiveness program so far compliance and ___________ can you please give me a call back at XXXX so I can tell you when the Department of education is offering for your loan _________ have a great day. I was recently scammed out of {$1000.00} from a similar company calling themselves XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Current creditor, First Bank of Puerto Rico, referred the auto loan account to XXXX XXXX XXXX without sending a self-help letter. I received a call this week and I explained this was the first communication directly from the bank since the previous call I received from XXXX a few days ago in which I was harassed. The payoff balance was {$2300.00} approximately due to late fees and interest charges ; all car loan installments were paid. I offered the bank the amount of {$1000.00} during the call and requested a few days to gather the rest of the money but they refused and insisted that I had to pay off at that moment or release the car voluntarily to the bank. On XX/XX/2020, the bank sent a self-hep letter and was received at my address on XX/XX/2020. After receiving that letter, I called the bank and explained again the reason for the outstanding balance and late payments, the bank 's employee stated at that time that she was unable to assist me, that it was correct that the account was assigned to XXXX XXXX XXXX and that if I did not have the money to payoff I had to release the car to the bank. My response was that I was not going to release to the bank a car that has been already paid off and that the remaining balance corresponds to late charges and interests. I advised them that I would not authorize the external adjuster to enter my residence premises. The employee stated that in that case the external adjuster would visit my house and if unable to repossess the auto, would go to the nearest police station and ask for assistance so they could force me to release the car. I responded that is illegal under Puerto Rico 's laws and this was not a criminal case. I explained to her that for the Police to enter my property, they need an order from the court ( also it may include a lien or an attachment ). She replied that was not correct and that she was informing me of the correct procedure and the process performed by the bank in such cases. The methods used by the bank to collect the money owed are unfair especially when I paid {$1000.00} this month and offered to pay the rest of the balance in {$400.00} installments and they refused. This is not the first time this bank handles an auto loan like this, it has happened with other auto loans I had with them.

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 2022-10-06
Company: Experian Information Solutions Inc.
State: TX
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-02-23
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: Account information incorrect

Complaint:
There is appearing some inaccurate information, i saw my record and the credit bureus is reporting wrong information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
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: Personal information incorrect

Complaint:
I checked my credit reports  and noticed many different variations of my name and address. I have tried to reach out to XXXX, Equifax and XXXX by phone to dispute these variations but have not been successful. 
The correct first and last name : XXXX XXXX. 
The correct Street Address is XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 
The correct phone number that should be listed is ( XXXX ) XXXX. 
The correct social security number should be XXXX. 
The correct Date of Birth should be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
The problem is two fold. 
First you ( cfpb ) closed the complaint with Experian not addressing malfunctioning phone system, I tried after receiving your closed inquiring by calling XXXX, it still exists. It will not allow you to input menu options then disconnects. 
Second Experian stated incorrect information. Yes I am not employed, I AM RETIRED! I have income. I don't care if I was turned down for this loan. I am upset at the incorrect information and unable to contact. 
I have since my first complaint used automated systems to call banks, credit card companies, government agencies, and retail stores with no problems. The problem is Experian phone system.

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 2021-01-26
Company: CITIBANK, N.A.
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi there! I opened a Citi XXXX checking and a saving account with Citibank on XX/XX/XXXX to take advantage of an offer where if you deposited {$50000.00} you received a {$700.00} bonus. The process to open the account and fund the account was extremely difficult and the customer services was less than ideal. I also had to go through an extra process to validate my home address which was complicated by the fact I was moving. 

The process to validate my account took Citibank such a long time that by the time I funded my account with {$60000.00} on XX/XX/XXXX, I was deemed ineligible for the {$700.00} bonus. 

Because of the unhelpful customer service and ineligibility for the cash bonus, I wanted to withdraw my {$60000.00} from Citibank and close my accounts. I was told that I could only withdraw {$15000.00} per month to an external account. Given that would take 4 months to withdraw all my funds, I was told the only way to get my money back was via wire transfer. On XX/XX/XXXX, I made a request for a {$50000.00} wire transfer to my main checking account with another institution ( the maximum allowed ) and then a regular external transfer of {$10000.00} for the remaining balance. 

Two hours later, I got a call from Citibank stating that my actions were fraudulent. The representative accused me of not being the account holder, and hung up on me. My account is now locked and now I do not have access to the {$60000.00} in my Citi XXXX checking and savings accounts. I tried calling Citibank back on XX/XX/XXXX and after over an hour on hold on the phone, they were unable to assist me in transferring my money back to me.

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 2019-03-05
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Seterus, Inc. has been our loan service for years. We have not missed a payment which I can document with cancelled checks, bank statements and the Seterus website to show we have made the payments every month since XX/XX/XXXX. XXXX claims we went delinquent for the months of XXXX. and  XX/XX/XXXX even though I have the bank statements showing the payments. Seterus then claims we did not make payments for XXXX, XXXX, XX/XX/XXXX, yet we have the bank statements to disprove that. They have threatened us with foreclosure. They have falsely reported us as late with the credit bureaus severely damaging our credit scores. 
I have written them about this issue and they refuse to cooperate claiming their records are correct. All of my records disprove their false assertions, yet they continue to report us as late. I have sent them a letter documenting every payment in question. We have been notified they transferred our account to Nationstar Mortgage, dba Mr. Cooper. We have not resolved our issue with Seterus, therefore, it appears it will carry over to Mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
Greetings, I sent a dispute letter to the credit bureaus such as XXXX, XXXX and Transunion, but they are not doing anything to solve my problem. 

I have inaccurate information on my credit report that is affecting my credit score, I want to resolve this 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 2023-05-30
Company: Fidelity National Information Services, Inc. (FNIS)
State: IA
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:
The following inquiries viewed by others and only by me currently listed and showing on my Chex Systems Consumer Report ID : XXXX is fraudulent, unauthorized and not my inquiries : 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 2020-11-21
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: Personal information incorrect

Complaint:
Im filing a complaint against Experian please remove the consumer statement on my credit file i do not have a fraud alert and I want it removed from my file, I did not place this consumer statement on my file I do have screen shots of the statement thats on my file, I do not wish for anyone to add anything unless I tell anyone to add to my file, please remove this statement I do not want this on my file

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 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
After reviewing my credit report I noticed a fraudulent closed credit card account in the amount of {$430.00} from XXXX XXXX XXXX. I reached out to the company around XX/XX/2020 and advised them that this is not my account and that I am a victim of identity fraud. XXXX XXXX XXXX  replied that since they are the original owners of the account that they don't have to validate the information. I mailed a FTC identity theft affidavit to XXXX XXXX on XX/XX/2020 and they still refuse to remove this fraud account. I disputed this account through the credit bureaus and they responded on XX/XX/2020 that they were able to validate the account but did not provide me with the validation or any proof that this account belongs to me.

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 2020-05-20
Company: REGIONS FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We have had a Superfleet/Fleetcor fuel card account for years and have been paying an additional " Fraud Protector '' fee every month. Beginning with our XX/XX/2020 invoice, we noticed suspicious transactions on the invoices. We were not alerted to these, even though they were for large amounts, out of state, had fake odometer readings, and/or were multiple purchases in a row at the same location. Part of our " Fraud Protector '' fee is to be alerted immediately for any suspicious activity. We had to wait until we received the invoices and reviewed them to find the transactions ourselves. The transactions are blatantly and obviously fraudulent. We immediately shut off the cards involved, PINs, and spoke with the employee. Our employee stated that he received a text from who he thought was a supervisor with the company for his PIN. The employee sent it to him, not realizing it was a scam. We pulled all of the fraudulent transactions, totaled them, and began the dispute process. The fraudulent transactions totaled {$33000.00}. ALL of the disputes were denied, as Fleetcor said that " they could not prove a pattern of suspicious activity '' or that our employee shared his PIN number, etc. Fleetcor is demanding that we pay the {$33000.00}. The " Fraud Protector '' program is a complete scam for them to make more money through fees, since they won't actually reverse or handle any ACTUAL fraud that hits the 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 2017-08-09
Company: Navient Solutions, LLC.
State: WA
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 was married. In XX/XX/XXXX when myself and my ex-husband both got loans for XXXX school. Due to the amount of the payments, we were approached to consolidate. The form that was issued is no longer in use due to lawsuit issues. It was written in a way that tied us both to the loan despite future situations. The loan at the time was $ XXXX. In XX/XX/XXXX My ex-husband and I were divorced. It was written in our divorce papers the split-out of our finances. I continued to make my payments and did not know my ex was not making his. There was no communication from the Financial company. I only found out because I called the FC and requested tax info and was told they were sending me to collections. This occurred a couple of times. I attempted to make my payments, but was told I could do that, but it would n't count unless I covered his payments as well. I explained our divorce decree and was told it did n't matter. In XX/XX/XXXX my ex died. I went to the FC and explained the situation. They told me I was still responsible for the loan. At that time, the loan amount, due to deferments created by my ex, the total was $ XXXX. I was responsible for $ XXXX/mo. I have been paying on this loan monthly for years. I am currently unemployed and can not make the payments. I was denied a deferment due to my ex 's deferments years before. I went online to see what my options are. I contacted the XXXX XXXX XXXX and was told that the FC should have re-evaluated the loan when I reported my ex deceased. They checked their records and verified nothing had been done. I was told to go past the CSR and request a supervisor. I contacted the FC again and was able to speak with a manager. I was told that I had to submit a death certificate and they would review it. I told the manager that I had not been given that information years before when I had called for help. I was told, XXXX for that. Since this joint loan was signed in XX/XX/XXXX, I have paid approx. $ 82k and approx. $ 1k in fees due to insufficient payments that I was not aware my ex was not paying. My ex paid approx. 9k before he died. The FC states there is still $ XXXX left on the loan to be paid. The way the FC handled this on the numerous occasions I contacted them for help, was in-excusable. The lack of concern and compassion is appalling. Because people did n't care enough to do their job, to take the time to communicate with their clients, I paid $ XXXX past the death of my ex-husband.

Company response to consumer: Closed with explanation