BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-18
Company: Cedars Business Services, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
DEAR CFPB I, XXXX XXXX HAD APPLIED FOR A CARD WITH XXXX. I NEVER HAD A CREDIT CARD BUT A VOUCHER SAYING I WAS APPROVED WITH THEM. THEY SENT OUT A DEFECTIVE PRODUCT AND WANTED ME TO PAY THE POSTAGE TO SEND IT BACK. WE ALL CAME TO AN AGREEMENT AND THE MATTER WAS SOLVED. IN RETURN I CANCELLED THE ACCOUNT THIS WAS ABOUT A YEAR AGO. IN RETURN THE COMPANY CREDIT BUREAU BEGAN TO CALL ME AND HARASS ME CEDARS BUSINESS SERVICES. I TOLD THEM THAT I DID NOT OWE XXXX ANYTHING AND HOW THE MATTER HAD BEEN SOLVED OVER A YEAR AGO. I HAVE EMAILS STATING THE ACCOUNT WAS CLOSED AND SOLVED I ALSO HAVE THE INFORMATION ON A RECORDED MESSAGE. I INFORMED CEDAR BUSINESS SERVICES AND THEY DID NOTHING BUT KEEP SENDING ME EMAILS AND CALLING ME SAYING THEY DONT CARE WHAT XXXX SAYS THAT I OWE THEM. IF THIS DONT STOP A LAWSUIT IS GOING TO BE FILED AGAINST BOTH PARTIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: Oklahoma Student Loan Authority
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have disputed this collection numerous of times they have yet to produce any of the information that I ask requestion through the 3 credit bureaus they always say updated information but it never confirms the accuracy of this charge no documentation has ever been giving to me or anything Im just being billed I dont even know the terms because I havent been giving any please remove this from my report it shows multiple inconsistencies certain dates say paid on one report than on another it says late this is in violation of my fcra.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/XXXX I sent the letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignore of my dispute. Section 611 ( a ). It is plainly stated that A 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 explanation
Consumer complaint received 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXX issued a statement Were here to help, in order to support customers experiencing financial difficulties due to COVID-19. It appeared that they were prepared to work with me in order to provide payment relief without causing late payments to appear on my credit report. They did not honor that statement as my credit report reflects late during the months of XXXX, XXXX and XX/XX/2020.

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 2021-03-27
Company: Mar Joe Enterprises
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The photos Im sending will show you what CBC has been doing to me.if you look at dates they are different. XXXX is unpaid because it was in bankruptcy XXXX they tried to collect money from me. XXXX same. They had three of the same one in a row on one report. XXXX. Putting duplicate or multiple collections in any report could be a violation of the Debt Collection Act or fair report act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
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:
Equifax ; XXXX  and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
THIS IS NOT A DUPLICATE. XXXX continue to report inaccurate data to my credit reports. There is a second account showing on my report from XXXX listed dated XX/XX/XXXX on my credit report. It is listed that is was closed XX/XX/XXXX and XX/XX/XXXX. It is listed that was transferred to another lender. The lender it is shown transferred XX/XX/XXXX. The dates are incorrect. The account was closed over 7 years ago and should not be listed on my credit reports.

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 2019-08-15
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
In an event unrelated to the company, I have a missing payment. However, the past due minimum payment that was disclosed in the billing statement, and the payment module for the company was made on XX/XX/2019. The payment was not applied to the payment due, and delinquency was reported to the consumer credit reporting agencies. I have requested the delinquent comment be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I made a transfer from my XXXX XXXX XXXX account into my XXXX XXXX Account. This transfer amount was for {$25000.00}. The transfer was processed and credited into my XXXX account on XX/XX/XXXX. Later once the transfer cleared, I requested XXXX XXXX XXXX to close my account, which had approx less than {$1.00} remaining. The next few weeks, everything was normal and I has no issues. I had about 60 % of my cash savings held at XXXX. 

On XX/XX/XXXX, XXXX XXXX decided to temporarily lock my account and requested I call them to get this unlocked. I decided to call XXXX on XX/XX/XXXX, which was the only day I had time to get this resolved and had to wait over 20 minutes to reach someone. After, reaching someone, the customer representative explained to me that they locked my account because they were unable to verify that the funds that were deposited on XX/XX/XXXX came from an account under my name. I can confirm that the money from this account did get sent from an account belonging to me and is in my name ( see attached screenshot for proof ). After about 40 minutes, I was told that the only way this lock can be removed was by getting this money reversed back into my old account. This is the same account I closed. Even after explaining this, they stated, unless the money was reversed, there would be no way they could unlock the account. As such, I requested to speak to a supervisor and was told someone would contact me the following business day. On XX/XX/XXXX, I received no phone call. I called back a spoke to another customer representative and decided that as they held my funds hostage, I had no choice but to get the money transferred back to my closed account. I spent another 20 minutes speaking with XXXX XXXX XXXX about how they would get the money back to me, however that conversation yielded no answer apart from, we can tell you once the money hits our account. So on XX/XX/XXXX I called XXXX and spent another 15 minutes on hold and reluctantly provided authorization for them to reverse the funds to the closed account. 

So far, I'm very unhappy about this. Had there been an issue with the naming on my account, this should have been caught way before XX/XX/XXXX and if they did have this issue I could have provided proof that the account was in my name. In addition, if they were not happy with the proof, at least the account would be open and that would ensure that I can easily have access funds once the reversal was processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24
Company: First Data Corporation
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Third party XXXX XXXX involved in XXXX XXXX. 

XXXX XXXX extortion is an infringement of XXXX. XXXX XXXX has neglected to give data to the buyer and characterize how the purchaser can constrain risk on account of theft-loss, or dispute or cash was stolen from account-holder by deceitful falsification, portrayals or guarantees profited XXXX. 

Denied bank administrations : ATM, immediate store ( payroll checks ), ACH or point of sales, Getting cash back. 

XXXX XXXX administrations being conveyed with suspicious requests and/or dark record information. 

Hasnt enabled me to get cash from my paycheck utilizing their XXXX XXXX payroll card by XXXX. Doesnt permit me record views, i.e. Statement, Checks paid, Transfer, transaction history. 

XXXX XXXX is liable to compensate to consumer as it amounts to deficiency in service.

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 2019-08-15
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
In an event unrelated to the company, I have a missing payment. However, the past due minimum payment that was disclosed in the billing statement, and the payment module for the company was made on XX/XX/2019. The payment was not applied to the payment due, and delinquency was reported to the consumer credit reporting agencies. I have requested the delinquent comment be removed.

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 2018-09-22
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is reporting several accounts on my credit files and has not validated any of the debts. XXXX XXXX XXXX began reporting XX/XX/XXXX. After I learned of this I contacted Midland several times XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and most recently XX/XX/XXXX. Each time I asked for validation of the alleged debt. Midland responded that they were uncertain of what I am specifically disputing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This complaint concerns Experian, with almost complete lack of ability to unfreeze a credit report in order to obtain a mortgage. This started about XX/XX/19 with " unfreezing '' such reports with both XXXX and XXXX  -- both were easy and correct the first time. It has taken me a week to figure out how to do this with Experian. I thought I had done it correctly, AND I received an email saying it had been temporarily unfrozen, so I told the mortgage lender ( XXXX XXXX XXXX XXXX  in North Carolina ) to try. He could never get into the account for that third credit report. So I tried again, and again, and it was never possible to reach a human being -- the telephone number ( s ) for consumer support ( a robot voice, apparently ) either just said ( a ) go to the website or ( b ) thank you and hung up. On one of these calls, where you are asked to press 2 or say " freeze, '' said said freeze. That was a mistake, because then Experian " refroze '' ( apparently ) my account. In the end, I had to request a new PIN, pay {$20.00} to get it XXXX to me ( great way for Experian to make money, apparently ), and try yet again. The telephone menu may have worked ( it is now XX/XX/19 ), but I am completely unconvinced that Experian can be trusted. The idea that one can not reach a human being except through really strange numbers ( not obviously ones that anybody would try, and not available on the web ), is infuriating. Whether Experian has done what I requested today is still unclear. I plan on writing my North Carolina Senators to ask whether either of them is in a position to look into Experian 's business practices and lack of adequate consumer service and protection.

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 2019-08-15
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:
I recently went to check out a new car at XXXX. After carefull consideration I was decided to apply for a loan for this car. I was declined for a good rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. I have reached out to the FTC and to my local police department. I am doing this all on my own, and these items need to be deleted from my credit report. Chapter XXXX Bankruptcy, XXXXXXXX XXXX. XXXX/XXXX. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX. inquiries : XXXX, XXXX XXXX. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29
Company: Rocket Mortgage, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I financed my home purchase with Quicken Loans and had my house payment jump XXXX XXXX dollars a month after first year due to 'unforeseen ' increases in their property taxes. The taxes doubled, this was a gross underestimate of taxes by Quicken and title company, I assume to make loan payments seem smaller when I purchased. Be aware or these so called experts who claim to be XXXX XXXX high rated lender, they don't care about you and they XXXX. Don't trust Quicken Loans/Rocket Mortgage to be in your best interest!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Mortgage Research Center, LLC
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
After my first initial contact with XXXX I sent all my financial info and stuff that was required. XXXX knew I had a timetable of when I wanted to be out of my old apartment and she assured me that all was well while this is going on XXXX had me to pay for a home inspection, appraisal and under false pretenses had me pay an early car note that wouldn't even make a difference all the while stalling putting me off evasive behavior. To add injury to insult neither XXXX nor XXXX her supervisor made no attempt nor did they not care about having me sitting around waiting to hear great news and I find out from my realtor that I was denied. To this very day neither one of them have called to offer any APOLOGIES for what they put me through.

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 2021-03-27
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recently requested debt validation for a debt showing on my credit report reported by Receivables Management Partners LLC. I mailed a letter ( certified ) XX/XX/XXXX requesting debt validation. They did not respond so I filed a CFBP complaint on XX/XX/XXXX complaint ID XXXX. The company responded to the complaint on XX/XX/XXXX and stated that the trade line would be removed from my credit report. XX/XX/XXXX they mailed a deletion letter for this particular debt the debt was then removed from my credit report. Fast forward, XX/XX/XXXX they mailed a letter to my home with a copy of medical records in attempt to collect on this same debt. This is a Hipaa violation. I did not sign a Hipaa form or give authorization to Receivables Management Partners LLC to access my medical records. Therefore the information reported to the credit bureaus in correlation with this debt is faulty and I would like for XXXX XXXX to cease all collection efforts immediately! I have attached supporting documents below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: LEXISNEXIS
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hi, so I submitted a dispute with XXXX to verify a bankruptcy listed on my credit report. I was told it was verified by Lexis Nexis. I, then, contacted Lexis Nexis to address the inaccuracies, I was told the information was being provided from a different source. I understand The Fair Credit Reporting Act ( FRCA ), states that any information reported to credit bureaus needs to be verified with the original furnisher. I contacted the clerk for XXXX XXXX XXXX  and was told they do not report information. So they are illegally sending my information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 was trying to cosign for my cousin a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 

XXXX XXXX {$1600.00} XXXX XXXX {$370.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2017-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 was notified by Bank Of America that I was committing a form of fraud because checks were being written and funds were not available intentionally. I had funds available per my account balance shown online and based on this information I continued to use checks. I then was one day notified account was closed due to fraudulent activity and was reported to XXXX XXXX and have been trying to resolve issue for about 2 years now. No help from Bank Of America and I even wrote them an explanation for good faith due to being unaware of process and delay to updates made on account when using checks. I resolved anything owed to the bank and then asked to be removed from XXXX XXXX and nothing has been done.

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 2022-12-29
Company: EQUIFAX, INC.
State: PA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation