BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-05
Company: LEXISNEXIS
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX XX/XX/XXXX I am trying to get my address and personal information all correct and together. I was in contact with XXXX XXXX and I was told that I had to send in proof of address my information is being confused with another XXXX XXXX XXXX and I have never lived at these address listed below. I do not wish to file a police report unless I have to. Please delete these following addresses the are no a previous address or current address : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Back in XXXX of 2015 I wrote my daughter a {$50.00} check to give to her friend XXXX to pay for parking permit at college. Her friend XXXX lost the check and an unauthorized recipient found the lost check and changed the amount from {$50.00} to {$3500.00} and changed the name on the check from XXXX XXXX to Essence XXXX XXXX. This person deposited the money through mobile banking app for Bank XXXX XXXX. I bank with Regions and they have acknowledge that it was check fraud but they refuse to give me my money back while Bank XXXX XXXX investigates. This have been going on for over a month, my dispute with Regions Bank and today they told me it would take 90 more days until the investigation ends. Every time I go up to Regions they are always making excuses and telling me its going to take a bit longer. First they told me I would get my money back within 3-7 business days, then told me 14 days, now they are saying 90 days. I should have received my money within the first week when I filed check fraud with Regions Bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-03
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I signed loan number XXXX for $ XXXX with XXXX XXXX, and soon after they filed BK in New York. The then servicer XXXX promised me a no cost loan modification with the Federal Government HAMP program. I have made all my payments to all the servicers including XXXX XXXX loan number XXXX on time and was never late, therefore I received Principal payments from the Government which were never applied correctly to my loan. In XX/XX/XXXX I got divorced and had to file BK. My non negotiable instrument somehow allegedly changed hands from XXXX Loan Number XXXX to XXXX loan number : XXXX to the recent Caliber loan number XXXX. Now I have come to understand via a ruling of the State of California that chain of title has been broken and that my contracts have been breached. Therefore I have had to hire the Consumer Law Attorneys to investigate my loan and attach a signed authorization for Caliber to  send them all the requested documentation as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: Coinbase, Inc.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2018, I attempted twice to purchase {$100.00} in ETH from CoinBase.com. Both transactions were cancelled by the bank and while no digital currency was added to my account, {$200.00} was debited from my checking. {$100.00} was eventually returned to my account, leaving {$100.00} still owed to me. I have since contacted support and received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The original creditor is " XXXX XXXX XXXX '' and I have contacted them via telephone and was told that they had billed a different source responsible for my services than the usual one and that they would correct the billing to the one they usually billed.I was told that they would notify " TransWorld Systems Inc '' to Cease and Desist immediately.TransWorld Systems has reported this account to the CRA 's as a COLLECTION ACCOUNT to my credit files in the amount of {$1700.00} which has had a damaging effect to my credit record with the ( 3 ) reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
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: Was not notified of investigation status or results

Complaint:
I am filled with every emotion! I am XXXX and sad at the same time! My initial response to the INACCURATE items on my credit report sent as stated in an earlier message on XX/XX/2020 and I also sent another letter ( demand to comply ) on XXXX which was 45 days letter from the initial letter I sent. Today is XX/XX/2020.. Commonly by law, you should react inside 30 days. During these troublesome occasions, all of you have been given an augmentation which I comprehend. In any case, it has been well over the expansion period given. I have exhorted you on in excess of 3 distinct events. I am beginning to accept this is a slow down strategy on you folks ' end. I interest your organization eliminate this blunder from my credit report or face suit. In the event that you don't eliminate this mistaken data promptly I will record a formal complete with the FEDERAL TRADE COMMISSION! I am staying aware of the entirety of my records and types of correspondence with you on this issue simply if there should be an occurrence of documenting a grievance with the FTC on the off chance that you keep on choosing not to coordinate. In Wenger v. Trans Union Corp., No 95-6445 ( C.D.Cal.Nov. 14, 1995 ), you will be considered liable for your choice not to not consent. My family and I are being compelled to pay higher loan fees and denied by numerous organizations when attempting to buy important necessities to get by during this troublesome financial period. In the event that your next reaction to me is definitely not a unique application with my mark on it or a letter expressing that the deceptive data that is disregarding the Fair Credit Reporting Act isn't erased I will proceed with my FTC protest. As shown by the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by government law to affirm, through the real check of the principal stamped purchaser contract, all records that you post on a credit report. Else anyone paying for your specifying organizations could fax, mail, or email in a bogus record. I interest to see obvious proof ( i.e. : an exceptional buyer contract with my imprint on it ) that you have on the archive for the record recorded underneath. Also I will be contacting the Attorney General to help me assist with this matter along with seeking litigation.

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 2020-05-15
Company: Law Offices of Robert J. Colclough, III
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I rented a car from XXXX  XXXX XXXX  XXXX in XXXX XXXX on XX/XX/XXXX. I paid the invoice by credit card upon returning the car on XX/XX/XXXX. In XXXX, XXXX a collections/non-payment report was put on my credit report at XXXX  by Allied Collection Services of California. I provided a copy of my invoice and credit card statement to XXXX  and to Allied Collection Services of California. They have never provided me with anything in writing, will not answer my calls, and will not return my calls. Allied Collections keeps verifying that the charges are accurate to XXXX, where I am disputing the charges. 

I have only rented from XXXX  that one time. These are the only charges that I have incurred from 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 2021-09-02
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no acknowledgement of the account with " LVNV FUNDING LLC ''. I already disputed with them and I still see the account on my profile. I do Not Owe a debt of {$390.00} and also each bureau is stating something different for the account. XXXX is stating that this account is a collection, while XXXX is stating this account as 120 days late. Also XXXX is stating the last date active is XXXX while XXXX  is stating XXXX and XXXX  stating XXXX. This is a false inaccurate account that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I previously filed a complaint against Transunion for failure to fully investigate my complaint, Transunion response was that they reinvestigated and updated my file based upon the reinvestigation, and they provided documentation to reflect their response, however my credit score remained the same.

It appeared that Transunion removed the derogatory information from my file, however whenever I check my credit score, it states that my credit score is reflective of 2 late payments, the same late payments that should have been removed from my credit file.

Transunion appeared to remove the late payments from my credit report, however they are still using the late payments to determine my credit score.

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 2018-07-03
Company: Southwest Credit Systems, L.P.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received a letter from the collection agency XXXX XXXX stating that I owe them for an account with XXXX. I had XXXX XXXX insurance and renter 's insurance from XX/XX/2017 to XX/XX/2017. I paid up until the renewal date. I elected not to renew. 

I asked for verification of the debt and XXXX sent me a letter from XXXX stating that I must show coverage from XX/XX/2017 to XX/XX/2017 in order to receive credit for the {$150.00} they were trying to charge me. My policy renewed on XX/XX/2017 and I didn't renew. XXXX 's policy states on page 51 if their Missouri XXXX XXXX XXXX : # 3. Nonrenewal by YOU " If we offer or continue and you or your representative do no accept, this policy will automatically terminate at the end of the current policy period. Failure to pay the required renewal or continuation premium when due shall mean that you have not accepted our offer. '' I did not accept their offer and there is no language in their manual that stated that I needed to pay anything beyond the date of renewal if I didn't want to renew with them. 

They did not respond to the letter I sent to them explaining this and continued to pursue via collections. I didn't know this until I received notifications that a change was made to my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have made more 3 types with XXXX, Equifax, and XXXX XXXX to update my personal address to my credit reports. They continued to denied my request. I also advised that any social security numbers that have listed to my account are to be removed and they have not compiled with request. Also, they are listing multiple contact phone numbers to my report. And I advised I have no numbers listed. I see that here you state not to list personal information in compliant as to have them update account. Please can you assist to have it updated and request to show updates to my report. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
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: Was not notified of investigation status or results

Complaint:
My personal information was exposed in several data breaches, bank & credit was compromised, resulting in accounts being closed. All documents were sent via certified mail to the credit bureaus to request items be deleted from credit reports. As of yet, I have not received a response from documents dated XX/XX/2021.

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 2018-03-27
Company: AES/PHEAA
State: OR
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:
PSLF COMPLAINT : The PSLF program is riddled with delays and inaccurate calculations. I believe that these delays and errors are specifically intentional in order to delay the processing of the loan forgiveness.

In XX/XX/XXXX, I submitted paperwork for the PSLF program to my lender XXXX, they then transferred my loan to PHEA, XXXX. Last year in XX/XX/XXXX my loan officially transferred to PHEAA, XXXX XXXX  due to the fact that I am eligible for the Public Service Loan Forgiveness ( PSLF ). Initially, I was told that it would take 90 days to process my eligibility for the program and calculate my payments. I contacted XXXX  in XX/XX/XXXX and they said that one of my employers wasn't verified even though it was a public school. I finally had the school call after resubmitting some paperwork and finally at the end of XX/XX/XXXX XXXX  approved my employment history as I have been XXXX   for 11 years.

After the employment verification was complete, I contacted XXXX again and they said that in a couple of weeks, my payment history would be calculated. As ofXX/XX/XXXX my payments were calculated however, there were substantial issues. I made another phone call on XX/XX/XXXX to discuss this matter and all of the payments that were not counted were flagged and the account is now headed back to be reviewed. The only evidence that XXXX   gave to why years of payments didn't count was because they were stated as though the payments were not fully satisfied in the month. I have been on the correct Income based repayment plan, have never been late on a payment in the last 11 years, and had all of my payments Direct Debited from the same bank account so this claim is quite confusing. There were a few months of forbearance or deferment while my loan was being updated or transferred. Upon asking how long this process might take, I was told that it could take 6 months. At every step in the application process I have faced substantial processing delays as well as errors that caused me to get a review of the application taking a process which should have been under 6 months and extending it to over a year. Meanwhile I'm making payments but I'm quite frustrated with the fact that it appears like there are huge inefficiencies in processing loans for PSLF. I even went through and calculated my payments made to my student loans that should qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rushmore flagged my account and has not allowed me to make payments. Rushmore states missing documents from loan modification even though I have all documents. They were faxed on XX/XX/XXXX. Seen XXXX XXXX in XXXX XXXX XXXX on XX/XX/XXXX. Judge ordered Rushmore to unflag my account and allow me to receive a modification. 

Account is still flagged. Now Rushmore is in defiance of a Judge 's order.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX has opened charges previously diemissed by credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was put in checking system in XXXX which I was not told buy bank of America I try to open a account on XX/XX/17 thay said I was in the system for overdraft my account I was advise that no reason to put me in the system. 
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 2018-02-15
Company: Exeter Finance Corp.
State: FL
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:
To whom this concerns, I carefully viewed my credit report and seen that your company ran my credit without my knowledge. I would like for this inquiry to be removed from my credit report swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Resurgent Capital Services L.P.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently got a lawsuit filed from a company called lvnv funding. I have never even heard of this company. I filed a request with the court asking that lvnv prove the bill was valid. They simply ignored my request and ruled in favor of lvnv and are working towards collecting. I feel my privacy rights may have been violated as well as the court in XXXX XXXX Indiana violating my rights to a fair trial by ignoring my request for proof I owe this company. I tried to take a screenshot of the court records but it would not let me. 
My contact information is XXXX. 
My phone number is XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I had funds put on my account on the XX/XX/XXXX so I could order two items on XXXX. The orders caused two separate holds on my checking account. I than canceled those orders an hour later and all record of those funds disappeared. It is as if I never had the money, and I know XXXX doesn't have it. The bank than tried to convince me that they I never had the money, and that there is a hold for a third item coming out, and that must be my refund but I know for a fact the third hold item which was canceled is not the funds missing from the first two canceled items that are now missing from all record or trace. Furthermore my stimulus check also disappeared, and records are missing from the Irs about where my stimulus payment is. The a

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I WAS SPEAKING WITH A LADY ON THE PHONE REGARDING THE DEFERMENTS XXXX XXXX WAS GIVING DUE TO COVID TO PUSH BACK PAYMENT. I WAS SENT A BILL I WASN'T AWARE OF ABOUT THE DEFERMENT SO I CALLED AND ON THE PHONE SHE INFORMED ME THAT IT WAS AUTOMATICALLY GENERATED FOR ALL CUSTOMERS BUT DON'T WORRY ABOUT THE BILL.I SAID OK PERFECT AND WHILE I'M ON THE PHONE CAN I PUT ANOTHER DEFERMENT IN FOR THE FOLLOWING MONTH? THE WOMAN ON THE PHONE SAID YES I CAN DO THAT FOR YOU. I SAID GREAT THANK YOU SO MUCH. I DIDN'T WORRY ABOUT THE NEXT MONTH AND THOUGHT MY ACCOUNT WAS IN DEFERMENT AS THE LADY TOLD ME. COME THE FOLLOWING MONTH I GET A PHONE CALL TOWARD THE END OF THE MONTH MAYBE 15 20 DAYS OR SO INTO THE MONTH SAYING MY CAR PAYMENT IS LATE. I WAS IN SHOCK. I HAVE NEVER BEEN LATE ON A PAYMENT IN MY LIFE. I TOLD HER THIS ENTIRE STORY AND SHE COULD SEE THAT I DID CALL IN AND SPEAK TO SOMEONE SO SHE WAIVED MY LATE PAYMENT FEE WHICH I HAVE PROOF OF ON THE SITE AND SAID CAN I PAY NOW. I SAID ABSOLUTELY OF COURSE I WILL PAY IT RIGHT NOW AND ALSO ASKED HER TO TRY AND MAKE SURE THIS IS NOT ON MY CREDIT BECAUSE I WASN'T LATE I NEVER KNEW I HAD TO MAKE A PAYMENT.

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