BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-25
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: Information belongs to someone else

Complaint:
The following inquiries are on my Experian report. Yes these inquiries were made by me. However, the first one was supposed to fall off XX/XX/XXXX and still remains. Also the other two is due to fall of XX/XX/XXXX and XX/XX/XXXX.

1 ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX-Removal date All Banks - non specific XXXX XXXX XXXX XXXX  XXXX XXXX, SD XXXX ( XXXX ) XXXX 2 ) XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX-Removal date All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX  ) XXXX 3 ) XXXXXX/XX/XXXXXX/XX/XXXX-Removal date Credit Card - Finance Company XXXX XXXX XXXX  XXXX XXXX, TN XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09
Company: Action Financial Services, LLC
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Action financial Services LLC is illegally garnishing my pay check about some student loans im not aware about. This is a collection agency which is illegally im a victim of identity theft, please help me resolve this issue and collect my money back. 
phone number 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 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Problem getting your free annual credit report

Complaint:
I have filed online a request for annual credit report. I went thru all the steps and at the end I did not get the report. Their system hang and that was it. I did not get my report. 
Now, this company make impossible to contact them. 
I did call and they never pick up the phone. Automated system ask endless question and it is impossible to get a person on the phone. 
In the end I don't have my credit report. This was about XXXX to XXXX days ago, which would make a XX/XX/XXXX, 2021 The company hides behind their automated system and it is not possible to get in touch 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 non-monetary relief
Consumer complaint received 2020-06-24
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint is my mortgage servicing company. They are supposed to pay my insurance and property taxes through my escrow account. They did not pay my taxes for XX/XX/2020. I received a letter for past due taxes from the state. I have been trying to contact to resolve this and they are giving me the run around. I've call over 10 times and no one answers. I emailed about 15 times with no resolution. They are stealing peoples money and not applying it to the account as legally obligated to do. They are taking money out of the escrow for purposed other than intended. They refuse to answer the phone and rarely respond to email. Their website isn't working. I haven't been able to log into my account for over a month to try to see what's going on. It is obvious there are trying to hide what they are doing to people accounts. I can't even make a payment online anymore. I have to physically mail a check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
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:
XXXX, Experian and XXXX  refuses to contact XXXX XXXX to obtain a new report which shows they have deleted the bankruptcy from my consumer report. XXXX XXXX even sent a dispute on my behalf which they all refuse to reply to and delete the erroneous information. Documentation has been included.

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 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3900.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$130.00} ; XXXX XXXXXXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  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 2019-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. I have reached out to the FTC and to my local police department and I am doing this on my own behalf. These are the items that are still existing on my credit report and need to be removed, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX XXXX Inquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX 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 2018-01-23
Company: Ditech Financial LLC
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to get a modification to save my home since XXXX. I have tried and tried and I have been in reviewing constantly sending documents and getting nowhere since at least XXXX. Finally I was told my file was complete and that I would have a decision within 30 days. That was on XX/X/17. It has been much longer than 30 days they are way over the time period they promised and are legally bound to meet. All they have ever told me since XXXX is that the file is under " manager review. '' They will never tell me what that means or how much longer it is going to take. I strongly believe they are just dodging my correspondence using stall tactics so that they can steal my home from me unlawfully. After many calls to Ditech I found out that the underwriter who has been stalling my line for over two weeks name is XXXX, and I am determined to find out the reason why XXXX ca n't follow the law and underwrite my modification fairly.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$130.00} ; XXXXXXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My credit report is showing a late payment from XXXX XXXX. This payment was made in XXXX however, I believe that there was an issue with the system as the payment was never processed even though on my end it appeared to be accepted. I did n't realize that the payment did n't get processed until the following month and by then it was too late. As a result I now have a late payment on my credit report that is preventing me from buying a house. I have never been late on this account in all of the years of owning this home and would like this credit blemish removed as it was due to no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Continental Services Group, Inc. d/b/a ConServe
State: MO
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : The attached photos are proof of failure to adhere to FCRA law. Credited reporting for XX/XX/XXXX before request to dispute began signed for XX/XX/XXXX and XX/XX/XXXX 39 days after dispute process began no mark of dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
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: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT AND REPORTED THIS FACT TO THE THREE MAJOR CREDIT BUREAUS. EXPERIAN REFUSES TO REMOVE THE INACCURATE INFORMATION FROM MY FILES.

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 2019-07-09
Company: EQUIFAX, 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:
Hello I went to apply for a home loan so I can purchase a home for my new baby that is due this summer and I went to my credit union to apply for a home loan and I was denied. My loan officer gave me a copy of my report and there are still things on there that are not mine. I've reached out to the FTC and to my local police department, and I am doing this on my own behalf. Again please remove these items from my credit so that I can purchase a home for my family. XXXX XXXX, XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: INVESTORS BANK
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have tried multiple times to resolve this problem with Investors Bank and the problem just continues. Last complaint the Vice President of Mortgage XXXX XXXX overnighted a bunch of statement printout 's that we never received one of them. We also are not able to access any statement information from Investors Bank Website. We rely entirely on Investors website to provide accurate information on our loans and to date they have not done this. I have been reaching out to XXXX XXXX for over a year, at times she has passed the work on to someone in the department who should n't have been responsible for the problem. We have a bi-weekly mortgage and Investors has been paid 26 payments up to date, one payment was accidentally applied back in the Summer to a home equity loan. This triggered a late payment on the Bi-weekly payment, I contacted Investors multiple times and asked them to fix it. They did n't fix it and they did n't respond correctly to the problem. If they had fixed it properly when this happened, it would never have started this chain of events. To date when I log into Investors website, I see some ridiculous amount of money being owed. There is no way this information is correct because of the amount of payments Investors has received. We also seem to have a problem were Investors does n't seem to know how to verify the house is insured. They are named as a mortgagee on the policy and very easily can verify insurance with the same insurance company for the past five years. Instead we are sent threatening letters about insurance on the house and threatening letters regarding the payments on this account. Last letter I received two weeks ago said we were months past due on mortgage and they could take collection action. This information is incorrect and they should n't be sending letters like that. I really do n't know what to do about this problem because we have tried to resolve it with Investors multiple times, specifically with XXXX XXXX and also with this company. This Vice President mailing multiple years worth of statements we never received is clearly unacceptable, it just shows an attempt of Investors to continue their dishonest behavior.

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 monetary relief
Consumer complaint received 2018-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute twice against Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX with Transunion and they refused to investigate. 
This company is trying to claim the debt started on XXXX 2017 and it was actually 5 years ago. It is also a fraudulent amount. I submitted this through XXXX XXXX and they refuse to let me do anything on there website unless I pay them {$19.00}.

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 2019-07-09
Company: Rauch-Milliken International, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I disputed the alleged debt and forwarded a written cease and desist letter, but the collector on the case continues to mail me and call my business telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Pnc has ceased to allow me to use my third party connections to manage their banking products forcing me into their ( poorly featured ) products.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: JPMORGAN CHASE & CO.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I pulled my credit back in 2008 and saw a new credit card account on my credit file and immendity call the bank ( Chase ) and told them it was n't mine nor i did n't apply for this card. The bank said they would stop the account and send a message to the three credit bureaus to have the account removed. Never happened!!! I have filed several police reports and filed report with the FTC and CFPB and now i have filed a law suit against the bank locate in XXXX County NC. This account was fraud and they know it. Please remove it now and if not ill proceed with the lawsuit in District County in NC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Experian Information Solutions Inc.
State: RI
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 report before going to purchase a car and I noticed these accounts that don't belong to me. 

1. XXXX XX/XX/XXXX {$430.00} 2. XXXX XXXX XX/XX/XXXX {$110.00} 3. XXXX XXXX XX/XX/XXXX {$220.00} 4.XXXX XXXX/ XXXX XX/XX/XXXX {$260.00}

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 2019-07-09
Company: SYNCHRONY FINANCIAL
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have had numerous ongoing issues with PayPal Credit as well as my PayPal Credit Mastercard. 

The majority of the issues stems from billing disputes, whether found in my favor or not, I do not always get the money returned to me. I have issues as well with denied disputes and errors made during the appeal and escalation process and I have made numerous contacts over the years because this has been costing me money, in lost refunds never returned to me from PayPal. Even when I have managed to resolve issues on my own independently and get the merchant to eventually refund me, PayPal will credit the wrong account, some other account that they did not take the money from in the first place. They have also debited the incorrect account, and take more than was in the account, even though that particular account had no relationship whatsoever with the account in dispute. I will include several attachments so that you can see what has transpired. I have made my last call today and sent my last emails to escalate and remedy any and all of these issues. Even with admittedly owing me {$150.00} they still have not returned this in over three years, and that will be attached too.

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 monetary relief
Consumer complaint received 2018-01-31
Company: Netspend Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I filed a Demand for Arbitration with the XXXX XXXX XXXX in a matter with Netspend. Netspend’s cardholder agreement requires arbitration in matters of disputes. Netspend has failed to pay the required arbitration costs so that the case can proceed. Failure to pay these fees are a breech in the arbitration agreement.The XXXX XXXX XXXX case number for the matter XXXX vs Netspend is 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