BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-31
Company: Genesis FS Card Services, 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:
FRAUD & THEFT XXXX FINANCIAL HARM/ DAMAGE TO PERSONAL CREDIT. 
My name is XXXX XXXX NOT XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, charged for a procedure that never took place for the patient. A XXXX XXXX  was done w/ NO additional medical labs work, NOR any medical procedure done with NO medical release for the patient that wasn't me. Financial contracts were signed XX/XX/XXXX through GENESIS CREDIT fs card services {$5000.00}, ( ACCT # XXXX ) /contact # XXXX XXXX. Since such time as I was declined of a credit card XX/XX/XXXX and my credit reports ordered that I noticed harmful information on my reports by GENESIS CREDIT aka XXXX XXXX ( credit reporting ). Contact was made by mail and phone to both XXXX & GENESIS CREDIT to NO prevail of theft & negative info. It is now with due diligence that government intervention is necessary in these fraudulent affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: Tenaglia & Hunt, PA
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I attempted to settle a credit card debt from XXXX XXXX  for XXXX credit card in a fair, equitable manner with Tenaglia & Hunt, who apparently purchased this debt. I sent them numerous letters in order to settl
e this matter but they never answered my letters. I also called them but either got voice mail messages, got hung up on or was put on hold for ridiculous amounts of time Instead of negotiating with me in good faith they have sued me in XXXX County Court. 
The lawsuit was filed on XX/XX/2020. They only way that I found about this lawsuit is that I looked my name on the XXXX Court website and found this lawsuit. 
I am a XXXX XXXX XXXX and I do not have a job. I have been diagnosed with XXXX  and XXXX XXXX and am taking the prescription medication XXXX. 
This situation has caused my family and I severe XXXX. 
Tenaglia & Hunt never informed me that they were taking legal action and never tried to communicate with me via phone or mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: Nelnet, Inc.
State: IL
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:
XXXX XXXX closed down in XXXX of XXXX and I was told that I would get my loans forgiven if i filed for student loan forgiveness filling out the School Closure form by XXXX XXXX, and that's what I did but got denied. then called my student loan provided Nelnet told them the situation, Nelnet told me to fill out the Student Loan Defense to Repayment and that's what I did but i was denied for that. I should not have to pay back loans if my school closed down. Below are the dates the student loans were taken out, and the amounts owed. 

XX/XX/XXXX I owed {$6000.00} since then Nelnet has charged me over {$3000.00} in intrest. 

XX/XX/XXXX I owed {$3500.00} since then Nelnet has charged me over {$1000.00} in intrest XX/XX/XXXX I owed {$3000.00} from the previous year since then I've been charged {$330.00} in intrest

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I received an email on XX/XX/2020 from American Express stating that after recent review of my AMEX Serve Account, they identified activity that they believe violates the terms of the Serve Consumer User Agreement. Please see attached email and I have included an attachment of User Agreement Section 15 ( d ). 

I have no idea what they are talking about. I called to ask and the supervisor XXXX whom I spoke with said she couldn't tell me anything. That I had to write to the Serve Customer Care. She gave me the address. I asked how am I to get the remaining funds in my account. She said there are pending transactions and after they cleared, AMEX would mail a check to me for the remaining funds. : She couldn't tell me anything else. I specifically asked about the time frame regarding receiving the money in my account and she couldn't give me any idea. My paycheck is direct deposited however, AMEX returned it to my payroll office and they will in turn mail a paper check to me. I live paycheck to paycheck and this whole thing is a shock. I have been banking with American Express for over five years and they have been great. I'm wondering if this has anything to do with a dispute I filed? Although I have done everything they have instructed me to do. When I have called to try and get answers, the recording says that my account has been permanently suspended, good bye. I ; m not kidding!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-17
Company: CL Holdings LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a notice from Jefferson Capital XXXX a debt from XXXX XXXX for {$110.00} which was not verified and was already written off. 

Jefferson Capital is a junk debt buyer. 

I know nothing about this, and they need to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
identity theft

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 2020-03-01
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The Bureaus have taken longer than 45 days to properly investigate my complaint and remove erroneous information from report. This is Violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I disputed a tradeline ( XXXX XXXX XXXX ) ( XXXX ) with Equifax which is reporting on my credit report 4 times for the same tradeline and they reported back that it was verified. I want that tradeline deleted as it is reporting 4x.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Experian Information Solutions Inc.
State: TN
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:
XX/XX/XXXX we applied for a mortgage. XXXX  had my credit report and so did XXXX  but Experian had nothing. My whole credit file was missing. We started calling them then. Most recently, XX/XX/XXXX, began calling them again. The same situation. I was told my creditors do not report to them. We contacted our creditors and they all report to Experian correctly. I called and finally someone opened a report XXXX. The dispute shows my credit file but it still is not reflected on Experian and my FICO score just says no score available. I tried to call three times today and I get hung up on. I do not know how to resolve this issue. The other two credit bureaus show all my credit cards, auto loan, past mortgages, etc but Experian shows nothing.

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 2020-03-01
Company: Credit Control, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit control LLC continues to furnish information incorrectly on credit file. Made contact with XXXX XXXX and spoken XXXX XXXX. 
Company informed me no debt was owed on account. According to FCRA Guidelines this is illegal. Requesting full investigation and listen to call XX/XX/2020 @ XXXX EST.

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 2020-03-01
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX XXXX is not correct. I have never used that alias. Please, remove XXXX XXXX from my credit report.

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 2023-03-15
Company: Experian Information Solutions Inc.
State: KY
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:
See attachments below.

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 2023-03-15
Company: Possible Financial 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: Account information incorrect

Complaint:
On XX/XX/2023 I was notified Possible finance reported incorrect information on my credit report and immediately notified them. On XX/XX/2023, they responded saying the reporting was correct. The same day I sent proof that it was incorrect ( attached ) and asked to speak to their head of AR. I was transferred to 2 other customer service reps telling me the same thing and instead of fixing the problem, they closed my ticket.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
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:
I noticed erroneous information reporting on XX/XX/2019. I have contacted the bureaus to dispute as well as requested verifiable information that I was the owner of this debt. I have proof of deletion from my XXXX  credit report. This information is not reporting properly across the 3 bureaus which is negatively impacting my score. Please assist with prompt deletion

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 2018-12-05
Company: Dovenmuehle Mortgage, Inc.
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I SUBMITTED APPLICATION FOR LOAN MODIFICATION ON XX/XX/2018 SINCE THEN XXXX XXXX   EXTENSION # XXXX REQUEST FOR MORE AND MORE DOCUMENTS THAT ARE DUPLICATES. I HAVE SENT LETTER OF EXPLANATION THAT MY WIFE NO LONGER WORKS FOR XXXX 'S AND SHE CONTINUES TO REQUEST FOR PAY STUBS FOR XXXX 'S SHE REQUESTED PROOF OF HARDSHIP EXPLAINED I HAD TO STOP WORKING SENT HER MY FINAL PAY STUBS LETTERS EXPLAINING THE CUT IN MY INCOME AND SHE CONTINUOUSLY WILL REQUEST THE SAME THING. FOR EXAMPLE TODAY I CONTACT THE LENDER FOR UPDATE THEY STATED MY REVIEW WAS CLOSED BECAUSE MY XXXX XXXX FORM IS EXPIRED TECHNICALLY IT DOES NOT EXPIRED TILL XX/XX/2018 IF ITS GOOD FOR 90 DAYS BECAUSE THE ORIGINAL ONE I SENT HER WAS DATED XX/XX/2018 ALSO REP I SPOKE TO MENTION SHE IS STILL ASKING FOR XXXX XXXX   STATEMENTS WHEN I SENT HER A LETTER OF EXPLANATION SENT HER 3 MONTHS OF STATEMENTS. 
I ATTACHED THE COVER-SHEETS AND ALL DOCUMENTS THAT HAVE BEEN SENT TO DOVENMUEHLE FROM WHEN THE PROCESS STARTED TODAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a notice prior to foreclosure from Shellpoint Mortgage Servicing, dated XX/XX/XXXX. The notice states I am two payments behind, each approximately $ XXXXThere is also a " XXXX XXXX XXXX '' of {$3200.00} on the notice. This charge does not appear elsewhere on my statement, and Shellpoint has failed to provide a written explanation of this charge despite multiple requests. Furthermore, this is a VA loan, and foreclosure is not allowed to begin until the loan is 90 days past due. According to my most recent statement from Shellpoint, I am not 90 days past due. 
When I was granted a deferral from Shellpoint they did not send me any sort of confirmation paperwork. This lapse in communication is why I missed those payments. Since the loan is less than 90 days past due, I wish to discuss a payment plan to resolve those two payments. However, I dispute the {$3200.00} " XXXX XXXX XXXX ''. Shellpoint has also failed to send the required loss mitigation packet, for a VA loan that would be the loss mitigation packet specific to VA backed mortgages. 
I have also requested reasonable XXXX accommodations from Shellpoint, in that any communication regarding this loan be in writing. On XXXX XXXX XXXX I requested via email to XXXX XXXX, the XXXX person assigned to my loan that communication be via email, and that Shellpoint suspend calls. This request was also made verbally several times both before and after. This request was not honored by Shellpoint, and they have continued to place calls to my personal phone as recently as XX/XX/XXXX. The correspondence I have received from Shellpoint says that I will need to call their number, which is not feasible, and they have provided none of the accommodations requested. 
Despite the previous foreclosure being withdrawn, Shellpoint is still reporting to the public that my home may be a distressed property. This has drawn unwanted attention from several people, one of whom, who gave his name as " XXXX '' and said he was working " for the mortgage company '' showed up on my porch and refused to leave when asked. He was very belligerent, and threatened to break down my door and XXXX XXXX  me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-03-01
Company: PNC Bank N.A.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We paid our monthly mortgage to PNC via check. We erroneously wrote the XXXX check for XXXX. PNC cashed the check, sent us a letter notifying us of the shortfall and then charged a {$190.00} late penalty although we provided the shortfall within days of notification of the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting 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. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

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

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 2020-03-01
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am filing this complaint against LVN FUNDING this company is purchasing and trying to collection on a account that has been disputed as Fraud with the original creditor Lvnv Funding Llc Opened XX/XX/2019 {$770.00} Original creditor : 12 XXXX XXXX XXXX XXXX XXXX I have never had a credit card with XXXX XXXX XXXX this account that is reporting under my personal information is incorrect I am request this account be removed from all reporting bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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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 2023-03-08
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation