BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-09
Company: Experian Information Solutions Inc.
State: KS
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:
Im submitting this complaint with XXXX  because my credit score was negatively impacted due to XXXX   reporting a late payments against me. My credit report shows a late payment was reported during the month of XX/XX/XXXX. I was a loyal customer to XXXX ever since received my auto loan in XX/XX/XXXX and I always made my payments on time. I had the ability to pay my bill to XXXX for the month reported as late and I scheduled my payment to be withdrawn from my bank account on-time for that bill. XXXX either did not properly send a request for payment from my bank, or did and something prevented the money transfer to XXXX. I was never properly informed by XXXX about any impending or existing missed payments on my account for the month reported as late. I also never received any indication from my bank account of a returned item due to not having proper funds in my account to pay my bill to XXXX. I only found my original payment was not posted when I logged into my online XXXX account. I immediately paid my bill with my debit card and confirmed with my bank the following day to ensure the payment had successfully been transferred to XXXX. I'm only bringing this issue to the attention of others now because I did not know XXXX was reporting any payment as late to credit reporting agencies until I reviewed my credit report earlier this year. I have been negatively impacted when trying to apply for other forms of credit for over 4 years due to the late payment on my record caused by XXXX. Since this late payment is not the result of my wrongdoing, and due to the circumstances listed above, I respectfully request for XXXX to remove the late payment during the month of JXX/XX/XXXX. Please consider my track record of on-time payments as proof I take my financial obligations seriously. If you have any questions, or require further information from me, please feel free to contact me at your convenience.

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 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report.XXXX charge off account opened in XX/XX/2007 in amount of XXXX in account ending in XXXX should no longer appear on credit reports as it is past the statute of limitations. It still appears on Transunion, XXXX, and XXXX, even after attempts of removal with credit repair company on my behalf.

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 2020-10-31
Company: LD Holdings Group, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I had a mortgage at loandepot and refunded with them. My settlement was XX/XX/XXXX. In order to not have to bring a payment to closing and avoid going to a bank during covid I was advised I could pay my payment due in XX/XX/XXXX early during XXXX and then those funds would be applied at closing so I didnt owe money. I did this and the closing went great. Online I can see my loan was paid in full on XX/XX/XXXX but on XXXX/XXXX/XXXX loan depot incorrectly automatically pulled {$4100.00} from my bank account when my loan was paid in full and my XXXX payment was already made in XXXX. They clearly have a lack of controls on their payment processing process. 

I called up the next day to ask them why they did this and have the payment refunded explaining I did not want to wait for my refund of my loan because they improperly pulled this money and I needed it due to Covid issues. My son got XXXX  back on XXXX and my wife had to quit her job due to care for my son and has been unemployed since without any state unemployment. The person on the phone told me she would process a request to refund it and I should happen in a week. It has now been 24 days since my loan was paid in full I have still not received the refund. I called loandepot on Saturday XX/XX/XXXX and was told that the request for a refund was cancelled because they would refund the money with the normal escrow process 17 business days after the closing. This is unacceptable as they had no right to take this money in the first place but additionally Friday XX/XX/XXXX was 17 business days after the close and I am on the phone with them and am told the escrow refund is still not processed. In my opinion this is unfair business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
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 is missing that should be on the report

Complaint:
XXXX XXXX - Closed Exceptional payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$25000.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount {$25000.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX On Time Data Unavailable Additional info Responsibility Individual Terms 73 Months Company sold - Original creditor - Comments - Your statements -

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 2021-01-26
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I have a dispute with Equifax that was filed on XX/XX/2020 under confirmation number XXXX. 

Equifax has not corrected the information nor completed the investigation in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Debt Recording Act XXXXXXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX # XXXX, XXXX Acct XXXX XXXX, XXXX XXXX Acct # XXXX has violated my rights. 

15 U S C 1681 section 602 A states I have the right to privacy 15 U S C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Tribal Lending Enterprise, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was very unfortunate enough to come across this company for a short term loan I needed when I lost my job to pay bills. I took out a loan for $XXXX  to pay for the bills, and was under the impression that I would make monthly payments on the loan. What I later found out is that the payments would come out every two weeks and would basically cover interest with very little going towards the principal, I made 3 payments of $XXXX towards this loan and still owed over $1000 after the fact. The lending practices of this company are predatory, and they lock you into payments that go well beyond the principal and normal interest rates which I verified and are highly illegal in the state of Florida on top of the fact that they are not even legally registered to conduct business in this state they have no license. To date, I have paid back twice the amount I have borrowed, and am expected to pay three times the amount of what was borrowed. This company is praying on individuals who have an immediate need and turn this nerd into an ongoing. Financial hardship. Charging close to 300 percent interest on their loan. You can not gather information from their website on your loan, get any documents anywhere and can barely contact them whatsoever. This is unethical and should be considered illegal practices by this organization.

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 2020-10-31
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The following account # XXXX does not belong in the collection and should be removed from my credit file. I tried numerous times to pay this account from the day I moved out in XXXX. The information being reported is inaccurate ; the account was not past due and is not a bill from XX/XX/XXXX. My due date to move out was XX/XX/XXXX and the management company asked me to move out in XX/XX/XXXX, because they needed the apartment for a new tenant, due to an issue on their part. 
I agreed to move out in XXXX and pay only the few days of rent while I moved out and cleaned the apartment, which totaled {$390.00}. About a month after turning in the apt keys to the property manager, I attempted to log into my online account to pay the balance, as instructed to do so by the property manager. However, my account was no longer active within the online system ; therefore, I sent an email to both the leasing agent and the property manager to advise them about my inability to access my online account. 
Both emails bounced back ( see attached emails ) and it turned out the property email addresses were deactivated and telephones numbers were disconnected. At this time I decided to physically go into the office to not have any fees lingering over my credit. Upon arrival the leasing agent informed me that the property had been sold and they can not accept my payment and I had to contact the previous property management company. I did a XXXX search for XXXX  XXXX  and found their Corporate office in Illinois and sent an information request through their website and I was informed I had to pay the new property owners and my payment could not be accepted by them. Then I contacted their accounts receivable department where I was informed that they could not locate any account with my name. With that said, please remove account # XXXX XXXX XXXX from my credit file as it no longer belongs to me and has been sold. 
Thank you,

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 2017-12-12
Company: EQUIFAX, INC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am a service connected, XXXX XXXX XXXX XXXX veteran. Although my student loans have been forgiven through XXXX, the loan servicer for the XXXX XXXX XXXX has notified the credit reporting agencies that my student loans are delinquent and have been " Assigned to the government ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
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: Information belongs to someone else

Complaint:
There are multiple accounts on my personal credit reports that are UNVALID as in never been validated items. A few different creditors, none in which i've ever come into relationship with. These accounts just don't belong to me. They've been on my report for about a year now and ive been back and forth with these credit bureaus about removing ( blocking ) these fraud accounts pursuant to the FCRA 605 ( b ) law I've sent out all the necessary documents needed to activate a blocking on these accounts, yet these credit agencies have failed to do so. Why? I have yet to receive any concrete evidence or proof of validation with these reported items from neither party ( credit agencies or creditors ). This is blasphemy, that these credit bureaus have been willfully disobeying credit laws at the consumers expense. It has been XXXX trying to reestablish my identity and these credit agencies have been little to no help. I need the CFPB to oversee this to make sure these credit agencies due their jobs with providing full proof of VALIDATION of the fraud accounts they've deemed " accurate and valid '' Pursuant to Fcra law 809 ( a ) ( b ), and no i've never hired any credit firm to help me amid these tragic events, i sincerely made phonecalls to all 3 bureaus, asked questions, got answers, and went online at FTC.GOV to study the FCRA Laws, THIS IS ALL FREE AND ANYONE CAN DO THIS, IT IS NOT A CRIME TO KNOW MY CONSUMER RIGHTS! So XXXX you guys at the office who left the last cfpb response not honoring my request because you said i hired a credit firm and you didnt think i've authorized these disputes, are XXXX! All of ya, XXXX! THIS IS ME, XXXX XXXX, This isn't rocket science as everything needed to know is ONLINE. Yall have willfully broken fcra laws and i KNOW IT, These are unfair business practices and ill fight tooth and nail until you guys fix these mistakes! Otherwise ill sue and i keep a trail of EVERYTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: PA
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:
On all three of my credit report there is an open account with Dept of Education XXXX with a balance of XXXX. However, this account was closed and my loans was transferred to XXXX. I would like for this account to be updated on all three of my credit report showing that this account has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: GA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
My ReliaCard account has Pandemic Unemployment Assistance monies in it. 

US Bank, without notice or reason, has deactivated my account.

Despite me following all directions of US Bank to upload to them my drivers license and other documentation, US Bank has not activated my account, depriving me of access to my Pandemic Unemployment Assistance monies. 

Please activate 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 2018-09-27
Company: The CMI Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018, a new collection account was added to my credit report by Credit Management , LP, in the amount of {$330.00}. I have previously disputed this debt with the XXXX  ( XX/XX/2018 ) because I had no knowledge of this account, nor had I received any phone or mail communication regarding the debt. Again, I still have not received any communication, yet the collection account has shown up on my credit reports again, causing a significant drop in my credit scores. I would like the inaccurate information/debt removed from my credit reports as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am writing to dispute a XXXX XXXX XXXX account in my credit profile. I reached out to all three credit reporting bureaus to rectify this matter amicably. XXXX  is the only agency to remove this account from my credit profile. 
As I have mentioned before this account is not mine. I believe XXXX XXXX  is falsely billing me for merchandise I never purchased. I did have an account with XXXX  that was paid in full and closed. Secondly, this account is older than 7 years and showing several different dates ( e.g. open date, delinquency date, etc. ). Experian and XXXX  is refusing to remove this negative information from my credit profile as well as completing a thorough investigation. I have reached out to both XXXX and XXXX XXXX  to resolve this matter and have constantly been met with misinformation. XXXX XXXX XXXX has shown me that they are not willing to resolve this matter. I have tried reaching out to the original creditor, XXXX XXXX XXXX/XXXX XXXX, to no avail. I called XXXX XXXX  to verify last day of delinquency and was blindly transferred to XXXX XXXX. The representative stated that she would reach out to XXXX and then give me the information that I requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-31
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am writing to dispute a XXXX XXXX XXXX account in my credit profile. I reached out to all three credit reporting bureaus to rectify this matter amicably. XXXX  is the only agency to remove this account from my credit profile. 
As I have mentioned before this account is not mine. I believe XXXX XXXX  is falsely billing me for merchandise I never purchased. I did have an account with XXXX that was paid in full and closed. Secondly, this account is older than 7 years and showing several different dates ( e.g. open date, delinquency date, etc. ). XXXX  and Equifax is refusing to remove this negative information from my credit profile as well as completing a thorough investigation. I have reached out to both XXXX and XXXX XXXX  to resolve this matter and have constantly been met with misinformation. XXXX XXXX XXXX has shown me that they are not willing to resolve this matter. I have tried reaching out to the original creditor, XXXX XXXX XXXX/XXXX  XXXX, to no avail. I called XXXX XXXX  to verify last day of delinquency and was blindly transferred to XXXX XXXX. The representative stated that she would reach out to XXXX and then give me the information that I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: Caliber Home Loans, Inc.
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020, I started an application process for a Refinance HomXXXX Mortgage with a new lender. The new lender already approved an excellent interest rate with a lower monthly payment compared to my current lender. Now, I did applied for a forbearance program with my current lender in XX/XX/2020. But I reinstate my mortgage payment in XX/XX/2020. Well, my current lender has lien against my primary home and would release the lien. When I am trying to complete my new refinance mortgage process with the new lender. My current lender is claiming that I have to wait 3 months after XX/XX/2020 before I can refinance with a new lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Cash App by the company Square provides a digital wallet for USD/debit card/bit coin and stock purchase. In my account I have XXXXUSD worth of bitcoin. 

On XX/XX/XXXX, I upgraded my XXXX and installed the Cash App on my new phone. The old phone was returned to the XXXX XXXX. 

The App will not allow me to access my account. I have contacted Cash App customer service multiple times. I have receive scripted emails form 4 different representatives. None of which address my problem or seek to resolve their issue in an efficient or timely manner. Nor is there any dialogue, there is just random emails from different reps who don't familiarize themselves with the details of my account or issue. 

I have deleted and installed the app many times to start fresh. The app only allows me to create a NEW account. If I enter my current account username, the app will not let me proceed because the name is already taken ( obviously, by me ) ... 

I have been without access to my money for 7 days. I have had no response from the company that is relevant or attempts to solve my problem. This feels like fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: Fay Servicing, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I'm presently in a Chapter XXXX Bankruptcy Case Case No. XXXX. 
My attorney XXXX XXXX XXXX of XXXX XXXX XXXX who had filed and handled my case has retired. I notified the servicing company Fay Servicing LLC. who handles the servicing of my mortgage of the current change. I was informed by my account manager XXXX XXXX that until they receive a letter from my previous attorney who has since retired on his official letterhead that they will not be sending any statements to me including my IRS 1098 statement that will be needed by me in the next couple of months. I forwarded a letter to Mrs. XXXX regarding this as well an email forwarded by Mr. XXXX. Mrs. XXXX was adamant in the fact that none of the documentation was sufficient and that they would still be forwarding all documents to a law practice that is closed even though knowing that I will not be receiving any important documentation regarding my mortgage.

Company response to consumer: Closed with explanation