BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-19
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: Information belongs to someone else

Complaint:
I received a letter from your firm stating that my letter requesting verification of erroneous items on my report has been classified as " frivolous '' or " irrelevant ''. I assure you that in no way do I consider a matter of such importance to me as frivolous or irrelevant. In fact if you do not honor my original request to verify the items contained in my previous letter, mailed ( DATE SENT ) via certified mail, I will file a complaint with the Federal Trade Commission against your company. 
I have included my original disputes for your convenience below : The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible : 1. The following information is outdated. I would like it removed from my credit history report XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
1. This account does not belong to me. 
XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

2. Other information I would like changed XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX please delete it.

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 2021-05-18
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 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. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: CORELOGIC INC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2019 I were accused of two charges from a Person who does not match my legal name, age or and other specific identifications. My driving record and any other record is clean. I have never been indicted for anything. I work for the XXXX as a XXXX  and XXXX. With a XXXX XXXX ( I will not be able to have if I were charged ). I put a dispute in with Corelogic. The management company for XXXX XXXX   located in Maryland.

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 2017-10-05
Company: Experian Information Solutions Inc.
State: IN
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:
I made a payment on XXXX of {$320.00}. There was already a post dated payment for XXXX that was scheduled on XXXX XXXX via the phone. My total credit that the account holds is only {$500.00}. After making the payment of {$320.00} the other payment processed the next day and later was returned. Then my credit card account went into revoke status on XXXX and closed status. I received a letter stating my account status. I immediately called to fix the problem and the representative told me that it will be taking care of and removed from that status. I then assumed it was done by the time I had made my next payment. I made another payment of {$100.00} on XXXX. I then spoke with the credit card company again on XXXX because I reviewed my statement for XXXX and it showed that I have no available credit, but I already had paid XXXX + {$100.00} and my account reflected an available credit via online. The representative told me on the call that my account is in revoke status, but note I already called between the dates of XXXX to address this situation after I received the letter and the representative told me it would be taken care of, whatever that meant. Now that my account is fixed, which it could have been done when I called between XXXX, the manager stated that my account already have been reported to the credit bureaus as it has been closed on XXXX. But due to the lack of training the representative I spoke with between XXXX my account is being reported in error because of that reason. On XXXX me and the manager fixed my account.

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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX has been reporting a charge off for 2 years after closing my credit card for Exercising my rights. Under the law this is called an adverse action. 

They are reporting to my consumer credit report as a charge off to which as of XXXX XX/XX/2022, I have never received a XXXX. 

I have requested the company to Validate the account pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ). I requested that they provide the original ledger and/ or the authenticated record. They have not. I have also never received any documentation requesting validation. Per FTC 15 USC 1692d ( 4 ) this is called debt parking. 

I am aware that only the holder of a note may collect any alleged debt. This is unlawful extortion by reporting this to my consumer credit report. 

Pursuant to 15 USC 1681b I have not given XXXX XXXXXXXX permission to furnish a consumer report. They are using my identifying information without my consent which is Identity theft under 15 USV 1681a ( q ) ( 3 ).

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 2017-10-05
Company: EQUIFAX, INC.
State: IN
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:
I made a payment on XXXX of {$320.00}. There was already a post dated payment for XXXX that was scheduled on XXXX XXXX via the phone. My total credit that the account holds is only {$500.00}. After making the payment of {$320.00} the other payment processed the next day and later was returned. Then my credit card account went into revoke status on XXXX and closed status. I received a letter stating my account status. I immediately called to fix the problem and the representative told me that it will be taking care of and removed from that status. I then assumed it was done by the time I had made my next payment. I made another payment of {$100.00} on XXXX. I then spoke with the credit card company again on XXXX because I reviewed my statement for XXXX and it showed that I have no available credit, but I already had paid XXXX + {$100.00} and my account reflected an available credit via online. The representative told me on the call that my account is in revoke status, but note I already called between the dates of XXXX to address this situation after I received the letter and the representative told me it would be taken care of, whatever that meant. Now that my account is fixed, which it could have been done when I called between XXXX, the manager stated that my account already have been reported to the credit bureaus as it has been closed on XXXX. But due to the lack of training the representative I spoke with between XXXX my account is being reported in error because of that reason. On XXXX me and the manager fixed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I made a payment on XXXX of {$320.00}. There was already a post dated payment for XXXX that was scheduled on XXXX XXXX via the phone. My total credit that the account holds is only {$500.00}. After making the payment of {$320.00} the other payment processed the next day and later was returned. Then my credit card account went into revoke status on XXXX and closed status. I received a letter stating my account status. I immediately called to fix the problem and the representative told me that it will be taking care of and removed from that status. I then assumed it was done by the time I had made my next payment. I made another payment of {$100.00} on XXXX. I then spoke with the credit card company again on XXXX because I reviewed my statement for XXXX and it showed that I have no available credit, but I already had paid XXXX + {$100.00} and my account reflected an available credit via online. The representative told me on the call that my account is in revoke status, but note I already called between the dates of XXXX to address this situation after I received the letter and the representative told me it would be taken care of, whatever that meant. Now that my account is fixed, which it could have been done when I called between XXXX, the manager stated that my account already have been reported to the credit bureaus as it has been closed on XXXX. But due to the lack of training the representative I spoke with between XXXX my account is being reported in error because of that reason. On XXXX me and the manager fixed my account.

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 2021-05-18
Company: Nelnet, 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:
I have 4 student loans with Nelnet. Nelnet is incorrectly reporting that my student loans were 150 days late twice, back in XXXX, and XXXX. My student loans were never late. I have contacted Nelnet and wrote letters regrading the issue and they have yet to remove the 2 late payments from 2017 and 2019. Also under 15 U.S Code 1681b Permissible Purposes of Consumer Reports I never gave Nelnet written consent to report these accounts. As a consumer these accounts must be deleted immediately, or i will seek monetary damages in small claims court in my city and sate.

Under 15 U.S Code 1681b Permissible purposes of consumer reports i never gave Nelnet any written consent to report anything on my consumer report and no consent is IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
2 weeks ago ( plus/minus ) I requested my 3 annual credit reports. both XXXX and XXXX sent me my reports. transunion sent me a postcard requesting documents that I do not readily have, can they do this when the other 2 did not? and if not what can you do?

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 2022-03-10
Company: Mr. Cooper Group Inc.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX we received a notice our escrow account was underfunded by $ XXXX and that if we did not fund it, our payment would increase by {$100.00} per month. We promptly sent the requested amount. To our shock our payment increased by $ XXXX per month AFTER our check posted. We believe that Mr. Cooper has been deceptive and is overfunding our escrow, in effect forcing us to provide them funds interest free for the next year. We have reached out via their app and can not get answers

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


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 2022-03-01
Company: EQUIFAX, INC.
State: VA
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 got a copy of my credit report from XXXX notice that they are reporting inaccurate personal information about me i sent a certified letter to update my personal information along with an FTC identity theft report and a copy of section 605 B of the fair credit reporting act and a copy of my credit report with all of the fraudrantly items cirlced because i also notice that they were reporting fraudulent accounts on my credit report and they did not update or delete any of my information i am a victim of identity theft and XXXX need to update and delete the inaccurate information they are reporting about me my name is 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: ALLIANT CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/22, I submitted information to open an account online. On same day, I received an automated email message saying they couldnt verify me referencing the Patriot Act. I was provided a phone number which I attempted on 3 separate days. The recording told me to call back in 24 hrs. I could never get through to a representative. 
On XX/XX/22, I submitted an online inquiry form. 
On XX/XX/22, I received another email from XXXX asking me to call another customer service number which I did. The representative ( XXXX ) was very kind and helpful. She sent me a pdf application to complete and return via secure email. She walked me through the completion process ensuring all necessary boxes were checked. Same day, I received a request to provide a copy of my drivers license. I submitted it to XXXX via secure email. She confirmed forwarding to the appropriate department. 
On XX/XX/22, I called back to the working customer service and referenced my prior conversation with XXXX and requested a status. I was told no application for me was in queue. 
On XX/XX/22, I requested escalation to a supervisor and informed them I was considering filing a CFPB complaint. XXXX sent me another pdf application. 
On XX/XX/22, I pulled up the second application form for the first time. This time it was inadvertently pre-filled with another applicants information ( including full social, date of birth, mothers maiden name etc ). I immediately notified XXXX and requested supervisor escalation. XXXX called me and said she and her supervisor are researching my situation. I requested something in writing from her supervisor confirming my information had not been compromised to other applicants. I also requested expedited resolution to my application problems. As of XX/XX/22 at noon ( EST ), I have received neither.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Bridgecrest Acceptance Corporation
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2021 I made a Principle Payment Only of {$250.00} towards my account balance. 2 days after my normal payment was taken out and processed. I've done this before and familiar with the 72 hrs it may take to show on the account ledger. It's now XX/XX/2021 and the ledger still reads normal payment of {$250.00}. I'm charged a daily interest rate on my Principle Balance which is NOT accurate as of XX/XX/2021. This company is stealing money from me. I have called 3 times as well as sent emails and even talked to 3 different reps who've claimed to submitt tickets for the change. I'm doing my part and paying my bills during this pandemic the least they could do is process my payments accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: DISCOVER BANK
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
An investigation was done falsely verifying the fraud on my discover card made several attempts to call and correct error. Have been discriminated against and hung up on and also being charged interest daily on fraud charges on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: CHECK INTO CASH INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I was a former employee of Check into Cash in XXXX MO. The same day XXXX quit I applied for a loan based on my credit score I was approved for a {$500.00} installment loan. The next day I received a phone call from the District manager stating that I had committed fraud and I needed to have funds pain back on the nest business day which was the XXXX. I was not aware that you were not supposed to give loans to prior employees but she told me I would be arrested. I was told that I was not allowed back in the store so I had someone else take the cash in. They did not give her a receipt. I phoned an asked if the cash was received and she said yes. She wo n't give me a receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have on multiple occasions between XXXX of XXXX and as recently as XXXX of XXXX attempted to enroll my loans into an income-based repayment plan. My paperwork has been " lost '' every single time. During my last attempt, I had to point out the math errors that the Navient employee was making when reading my pay stub. I finally just gave up on trying to solve the problem. That 's when I began getting emails that allowed me to take short term forbearances by just replying " Yes '' to a Navient employee 's message. Those began on XXXX/XXXX/XXXX. They ca n't be bothered to do the paperwork to get me into a payment plan that would allow me to make payments and eventually pay down and potentially have my loans forgiven ( I work for a nonprofit ), but increasing my loan amount with accruing interest is as easy as typing " yes '' in an email reply. This is not just incompetence. This is intentional.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
So I got scammed by someone who tried to say I have to resigster defi-plan beacon chain. I did wire transferred on XX/XX/XXXX to XXXX to the Coinbase and transferred to the coinbase wallet. Through the coinbase wallet, and type the XXXX XXXX XXXX Then I clicked " receive '' button. 
Then it atomically move my USDT money to the mining pool. So I lost my control to withdraw my money. 
Now on my account, it is a 0 balance, but on the defi-plan platform, it says XXXX dollars. I've depoisted XXXX dollars from my personal loan, and my parent 's retirement plan. 
I've contacted with this problem with Coinbase customer serive, XXXX bank and police deapartment XXXX MA. Coinbase told me they can't help to get funds back and I am really frustrated how to do it. My payments are coming and I don't have any money left beside the money in the platform. 
I also changed the allowance from unlimited to 0 dollars through XXXX XXXX XXXX XXXX  Please help with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: Academy Mortgage Corporation
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Went to settlement with Academy Mortgage on XX/XX/2018 to purchase our home. We received a bill from our local town this month for city property tax in the amount of {$1000.00}. Apparently Academy forgot to add our local property tax to our escrow account without our knowledge. We are now struggling to find the funds to pay this unexpected tax or face foreclosure on our home

Company response to consumer: Closed with explanation