BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-04
Company: EQUIFAX, 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 submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX : {$9100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Selene Holdings LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
l fell behind on the payments due to the COVID lockdowns in my state. I contacted Selene Finance the loan servicer and asked for help they sent me a packet to fill out. While this was happening I received a letter informing me of a transfer or mortgage assignment to, XXXX XXXX XXXX XXXX XXXX as owner trustee for XXXX XXXX XXXX XXXX. 

Then I returned the paperwork packet completed in XX/XX/2021 and the end of XXXX received a letter stating I was approved for a deferral program, But I had to accept it by XX/XX/XXXX. I created a letter accepting this deferral program and faxed it mailed it and emailed it. Then on XX/XX/XXXX I called and accepted it verbally. I was told I would receive paperwork in a couple of weeks to sign and with direction to make the first payment. I never saw the packet. In XXXX I started calling asking where it was. But they wouldn't answer my calls. I used the number on file. So on XX/XX/XXXX I used another number They answered and told me the initiated the paperwork on XX/XX/XXXX. But explained the person on the XX/XX/XXXX call was suppose to take a payment and failed to. note the letter never said that. She said she needed permission from a supervisor to complete it and would call me Thursday evening or Friday. Never received a call, I called today again using a different number and talked to a second lady, she agreed I should have received a call but will try to handle it now. Then she said on XX/XX/XXXX they placed it into foreclosure and she couldn't do anything, This call was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
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: Account status incorrect

Complaint:
XXXX XX/XX/19 XXXX XXXX sold my loan to XXXX XXXX XXXX. They no longer own the debt, or have the legal right to collect on it or report ownership of it to the credit bureaus. I disputed ownership of the account with Experian and they certified on XXXX that they owned the account, the account was past due and that my claim that they didnt own the debt was false.

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 2019-10-02
Company: State Collection Service, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid XXXX on this bill directly to XXXX XXXX so far as I have a payment arrangement with them and this collection company is threatening me for XXXX. I have 2 more payments set up for XX/XX/XXXX for XXXX XX/XX/XXXX or later XXXX XXXX XXXX XXXX *XXXX AutoPay {$50.00} XXXX XXXX XXXX XXXX XXXX Scheduled Cfm # XXXX Show payment details for XXXX XXXX XXXX XXXX XXXX AutoPay for {$50.00} on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX AutoPay {$50.00} XXXX XXXX XXXX XXXX XXXX Processed Cfm # XXXX Show payment details for XXXX XXXX XXXX XXXX XXXX for {$50.00} on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX   XXXX XX/XX/XXXX Processed Cfm # XXXX Show payment details for XXXX XXXX  XXXX XXXX XXXX for {$50.00} on XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX XXXX Processed Cfm # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX / XXXX / {$980.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2022-02-09
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Im currently shopping for an auto loan and received a preapproval offer from XXXX XXXX. I also submitted a credit application with XXXX XXXX XXXX to get a lease offer of which a hard inquiry was completed. I was contacted by one of their dealers but they didnt have the car in stock that Im interested in. The sales rep, XXXX XXXX, was trying to convince me to have finance at his dealership also run my credit so they can shop with their partner lenders even though I already have a pre-approved offer. I told him Im not interested in having them run my credit one because they dont even have the car in stock that Im looking for and two because I already have a preapproval offer. The sales person told me he will let his finance department know and will get back to me. A few minutes later, I received an inquiry alert from XXXX notifying me that XXXX XXXX XXXX auto dealership in CA, pulled my credit - without my consent. I did not complete any credit application with them nor did I provide them with my information to authorize a credit check.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I opened a new Checking account with Key Bank. I had recently moved upstate NY from the city. Two weeks later, the same branch manager that opened my account closed it with no type of notice. I found out my account was closed when I was trying to take money out of my account at an ATM. <P/> XX/XX/XXXX is the day my account was closed and a check was sent to my address with the remaining funds. Customer service over the phone told me there was no reason why my account was closed and I 'd have to ask who opened it for me. On XX/XX/XXXX, I called the bank and the branch manager had me come in to file a declaration of loss. He said he 'd send out a second check now that I 've stopped the first one. On that same day, I clarified if I did not get this second check, what would be the next step? He told me at that point he 'd be able to " emergency release the funds. '' Each time I visit this location I learn something new about my account. When I went to the branch on the XX/XX/XXXX, a representative said my account was closed because I did n't give proof of residence via mail. I was never told this information nor did I get this letter requesting my new address. On the XX/XX/XXXX, the representative told me I had to wait 90 days after my first check was dispersed. Why then did I have to go in and sign a declaration of loss if it did n't speed up ANY process? <P/> It is now XX/XX/XXXX  and this check is still nowhere to be found and I continue to get the run-around. I plan on going back to the branch this weekend in hopes the manager is there since he was n't both days I went in this week.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
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:
I am disputing the following account with each Credit bureau after finding accounts that were reporting on my credit that I never gave any consent to me opened and address that I never lived at need to be removed I was informed to file a FTC with them and provide this documentation to all credit reporting companies. 


XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX La XXXX the following addresses are not my address please remove them I have provided a copy of my Identification card showing my correct address along with the FTC 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 This following accounts are being disputed as Fraud accounts I never consent to any of the following companies to open accounts in my name

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 2019-10-02
Company: Kriya Capital, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I AM TRYING TO PAY THIS DEBT. SPOKE TO THE COMPANY NUMEROUS TIMES AND AGREED TO A SET AMOUNT. HOWEVER I TOLD THEM I WAS NOT PAYING UNTIL I RECEIVED WRITTEN CONFIRMATION THAT A ONE TIME PAYMENT THAT WE AGREED UPON WOULD DEEM THIS ACCOUNT PAID IN FULL AS I NEED THIS TO MOVE INTO AN APARTMENT SO TIME IS OF THE ESSENCE. RECEIVED VERBAL COMMUNICATION MULTIPLE TIMES IT WOULD BE SENT AND IT NEVER WAS. I NEED THIS RECTIFIED ASAP. SOON AS WRITTEN CONFIRMATION OF PAYMENT IS RECEIVED I WILL PAY. WE ALSO AGREED UPON A CASHIERS CHECK BEING SENT WITH TRACKING A WRITTEN CONFIRMATION OF PAID DEBT IN FULL 72 HOURS AFTER PAYMENT IS RECEIVED. THEY NEED TO ABIDE BY WHAT THEY COMMITTED TO.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2022-02-09
Company: Patch Homes, Inc. dba Noah
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX ... Patch Homes ... NoahXXXX continues the systemic Institutional XXXX oppression, and XXXX inequality treatment of my personal credit profile ordering a hard credit inquiry WITHOUT my signed authorization. Either provide a signed by me ( XXXX XXXX ) application, document with my signature authorizing such, or IMMEDIATELY remove the erroneous inaccurate inquiry from my credit reports!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
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:
ON XX/XX/XXXX I sent a complaint to the company Equifax via CFPB ( complaint number ending in XXXX ) regarding the unauthorized use of reporting and to affirm that I do not owe the alleged debts listed. I demanded removal of all debts and compensation along with written confirmation that it was done. This was all submitted in relation to multiple consumer rights violations under 15USC 1681 and 1692. 
The company responded on XX/XX/XXXX that they needed additional info. Writer has been unable to contact the company via phone thus far. However, pursuant to 15USC 1692g ( b ) an Affidavit of Truth was mailed on XX/XX/XXXX and within it I requested verification. Per tracking all correspondence was received by agent XX/XX/XXXX @ XXXX and I am aware that pursuant to 15USC 1692c ( 3 ) if notification is made by mail, notification shall be complete upon receipt. Per law pursuant to 15USC 1692g ( a ) ( 4 ) and 15USC 1692g ( a ) ( 5 ) and per my request made in the affidavit the company had 30 days from the receipt to produce a point-by-point affidavit to validate all debts they allowed to be posted on their site. Subsequently, Equifax is now in default and must pay the invoice and remove all alleged remarks/debts listed in the affidavit sent. I am aware that an un-rebutted affidavit stands as truth in commerce.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX and I filed a Ftc compliant to have these fraud items removed from my credit report It has been longer than 45 days and these Items are still on my credit report. If these items arent removed in 30 days I will be forced to file a claim in small claims court to seek litigation and damages. 
FTC Compliant # XXXX usps tracking XXXX  XXXX XXXX XXXX XXXX XXXX transunion XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Accounts listed below 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 2019-10-29
Company: Experian Information Solutions Inc.
State: NC
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 don't recognize this account and inquiries. I never applied for it, I don't have any contracts or agreements with this companies.

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 2019-02-27
Company: WELLS FARGO & COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
We have our 1st mtg w/wells Fargo - nothing else, yet they are now sending us checks and have opened up a VISA account unsolicited. Isn't this the very thing they were fined for?

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 2022-02-09
Company: Experian Information Solutions Inc.
State: NJ
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:
Multiple accounts reporting as late Payments on my 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 non-monetary relief
Consumer complaint received 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Trans Union is incorrectly reporting an erroneous XXXX XXXX  bankruptcy on my credit report. Trans Union has repeatedly denied my request for deletion online, by phone and written dispute countless times over the last 4 months. Transunion maintains the United States Bankruptcy Court of XXXX Tennessee has reported and verified information to them on this alleged bankruptcy, however, Ive contacted the court and they confirmed they DO NOT report any info regarding case filings to any credit reporting agency or third-party data furnisher. XXXX XXXX, XXXX XXXX XXXX have all deleted the erroneous XXXX XXXX bankruptcy from my credit file due to my identity being compromised last year, while Trans Union has repeatedly refused.

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 2019-05-09
Company: Ad Astra Recovery Services Inc
State: OR
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed for chapter XXXX bankruptcy in XX/XX/XXXX and all debt was discharged as of XX/XX/XXXX. Ad Astra Recovery Services had listed my account as being in active collections on XX/XX/XXXX despite knowing that the debt had been discharged. I disputed it and they removed it from my account on XX/XX/XXXX. Once the claim was closed they immediately re-listed it on my credit report again on XX/XX/XXXX as being in active collections. I have notified my attorney of the fraudulent activity in preparation to pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
In association with the following cases : cfpb : XXXX ; XXXX ; Legacy # XXXX, against 53 XXXX, 53 Bank ( subsidiary ), Board of Directors of 53 XXXX, Executive Officers of XXXX, Pay Other People website aka XXXX Online Bill Pay Funds and 53 Bank XXXX XXXX. I made necessary corrections in what was sent to you on XXXX/XXXX/XXXX. I have angst and a loss of confidence. I know about meeting elements in a cause of action. I failed to do so because I am under extreme duress and financial deprivations. Today, XXXX/XXXX/XXXX, I mailed to XXXX XXXX, Office of the President of XXXX Bank, and cfpb the COMPLAINANT 'S REPLY AND EXHIBITS AND MEMORANDUM OF LAW TO THE REPLY, AND THE COMPLAINT XXXX XXXX, XXXX AND EXHIBITS. My postage was {$1.00} more. XXXX {$7.00} and cfpb {$2.00} for $ XXXX $ XXXX {$1.00}. I made the adjustments to the REPLY. I also highlighted three important elements that I was not specific about in previous documents. Thank you for the opportunity to make an amended Reply and Memorandum of Law to the Reply, with changes in the cost. 

The Complaint XXXX XXXX, XXXX is not on my Flash Drive and I could n't wire it. I did mail a copy and exhibits with the documents mentioned above.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-26
Company: South Carolina Student Loan Corp
State: SC
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 began to inquire about loan forgiveness. Not once did anyone inform me of T he PSLF Program. The only program I was told about was the XXXX XXXX Forgiveness Lrogram. Well, I applied only to be told I didn't/do n't qualify due to the original date of my loan. Of course, I tried more than once both on paper and by phone, but not once did anyone tell me about The PSLF Program. It was not until XX/XX/XXXX that a representative informed me of The PSLF Program. I immediately completed my paperwork to consolidate my loans to take advantage of loan forgiveness. At the time, I did not know the program was introduced in XX/XX/XXXX, eight years prior. I often think about how I could be nearing the end of my 120 payments, and I get upset. I have since voiced my concerns with XXXX XXXX XXXX, and the rep told me many servicers were not well versed with the subject. I do not feel I should have to suffer due to misinformed or uninformed customer service reps. I have not contacted the original servicer, SC Student Loan Corporation, but I will. Also, any assistance that can be provided will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: SYNCHRONY FINANCIAL
State: IL
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:
{$1000.00} Called and kept saying they would take legal action numerous times before even asking to set up payment arrangements. Was verbally abusive.

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